Press Release - Capital India Finance Reports F.Y. 26 Results; FY27 focus on scalable MSME lending franchise
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Capital India Finance reported standalone PAT of ₹40.36 crore for FY26, up 243% YoY, with total income of ₹229.67 crore, up 11% YoY. AUM grew 22% to ₹1,227 crore, while disbursements surged 62% YoY to ₹754 crore, driven by branch expansion from 29 to 46 locations. The company divested its housing finance subsidiary CIHL for ₹267 crore in August 2025 and achieved listing on NSE. Capital adequacy remains robust at 40.99%, with Net NPA at 1.32%. Management flagged FY27 focus on building a scalable MSME lending franchise with technology-led execution and stronger liability franchise.
Strong profit growth and improved asset quality signal a healthier NBFC, though the strategic shift away from housing finance toward secured MSME lending carries execution risk as the company scales its branch network and loan book.