CSL Finance Limited has informed the Exchange about Credit Rating
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Acuite Ratings & Research has reaffirmed the long-term rating of 'ACUITE A-' with a Stable outlook on CSL Finance's existing Rs. 800 crore bank loan facilities. Fresh ratings of 'ACUITE A-' Stable have been assigned on a new Rs. 200 crore bank loan facility and a new Rs. 150 crore Non-Convertible Debenture (NCD) issue, taking the total rated amount to Rs. 1,150 crore. The rating reflects comfortable capitalisation (CAR of 46.95%), healthy profitability (FY25 PAT of Rs. 72.09 crore, up from Rs. 63.36 crore), and strong asset quality (GNPA of 0.46%, NNPA of 0.34%) with on-time portfolio at 95.71%. The AUM has grown steadily to Rs. 1,459.90 crore as of December 31, 2025. Constraints include geographical concentration in Delhi-NCR, wholesale book exposure, and low seasoning of the SME portfolio.
This is a neutral-to-positive development for shareholders — the rating was reaffirmed (not upgraded or downgraded), confirming the company's credit standing, while the fresh rating on Rs. 150 crore NCDs opens a new avenue for fundraising from the debt market. The Stable outlook signals continued lender confidence, though concentration risks remain a watch point for future ratings.