Real Touch Finance Limited

Operates as a non-banking financial company (NBFC), earning most of its income from interest on loans extended to borrowers. For FY26, revenue from operations stood at Rs 3,917.39 lakhs, up 36.65% from Rs 2,866.68 lakhs in FY25, with total income at Rs 4,044.85 lakhs. In Q1 FY27, interest income was Rs 794.57 lakhs against total income of Rs 864.29 lakhs, confirming lending as the main line of business. The company carries outstanding borrowings of Rs 253.99 crore as of March 31, 2026, and finance costs rose to Rs 585.23 lakh in Q1 FY27 from Rs 406.86 lakh a year earlier, making interest expense its dominant cost. Total assets stood at Rs 32,150.47 lakhs at FY26 year-end, and impairment on financial instruments jumped to Rs 504.64 lakhs from Rs 62.54 lakhs. The company is restructuring - it approved the closure of 8 Tamil Nadu branches (Arani, Kanchipuram, Vandavasi, Tindivanam, Villupuram, Tiruvannamalai, Chengalpattu, Thiruvallur) effective July 10, 2026, with accounts to be serviced from the corporate branch in Chennai, and in April 2026 it transferred an identified loan portfolio of Rs 13.03 crore. Funds are raised through instruments like secured NCDs (Rs 2.56 crore allotted in March 2026) and the company carries a credit rating of IVR BBB/Stable from Infomerics.