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. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Interest income from lending, Other income. Tamil Nadu-focused NBFC with an asset-liability (spread-driven) model, moderate credit quality, undergoing branch consolidation and loan portfolio rationalisation
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 2 | 9 | 19 | 29 | 39 |
| EBITDA (ex other income) | 2 | 7 | 13 | 20 | 27 |
| margin % | 80.4 | 77.6 | 71.5 | 69.6 | 67.8 |
| Owners' profit | 1 | 3 | 3 | 5 | 5 |
| EPS, as reported (₹) | 1.14 | 2.06 | 2.07 | 3.64 | 4.09 |
| ROE % · ROCE % | 4.0 · — | 6.7 · — | 6.3 · — | 9.8 · — | 9.9 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | 1 | (87) | (50) | (26) | 33 |
| Capex | (0) | 0 | 0 | (0) | (0) |
| ₹ crore | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 6 | 7 | 8 | 8 | 8 | 9 | 9 | 11 |
| Profit before tax | 1 | 2 | 2 | 1 | 2 | 3 | 1 | 2 |
| Net profit | 1 | 1 | 2 | 1 | 1 | 2 | 1 | 1 |
| EPS (₹) | 0.82 | 0.92 | 1.36 | 0.54 | 1.06 | 1.59 | 0.68 | 0.76 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| CRISIL LTD | 34,342 | 38.9 | 10.50 | — | 13.7 | 16.1 | — | 30.6 |
| ONEMI TECHNOLOGY SOL LTD | 5,526 | 19.6 | 4.12 | 9.4 | 21.0 | 18.8 | — | 32.0 |
| GYFTR LIMITED | 1,359 | — | 2.80 | 41.8 | 4.5 | 5.3 | 32.8 | 4.3 |
| CENTRUM CAPITAL LIMITED | 1,077 | — | 0.82 | 9.7 | (21.4) | (2.5) | 49.7 | 29.7 |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 5 Sept 2026 · AGM notice and annual report link sent to shareholders without registered emails | compliance | minimal | — | — |
| 5 Sept 2026 · Newspaper publication of 41st AGM notice and e-voting details | compliance | minimal | — | — |
| 4 Sept 2026 · 41st AGM notice with director appointments and higher borrowing limit | board shareholder meetings | low | — | — |
| 4 Sept 2026 · Real Touch Finance files 41st Annual Report, 41st AGM notice for Sep 26 2026 | results | high | — | — |
| 3 Sept 2026 · RBI approves Director appointment of Mr. Chinnian Mani Sundarraj till Sep 2031 | management changes | medium | — | — |
| 3 Sept 2026 · Credit rating reaffirmed at IVR BBB/Stable, loan facilities cut to Rs 75 Cr | credit debt | medium | — | — |
| 31 Aug 2026 · Board approves MD appointment, director changes and AGM on Sept 26 | board shareholder meetings | low | — | — |
| 31 Aug 2026 · Board approves CFO to MD transition, new director appointments, 41st AGM on Sep 26 | board shareholder meetings | low | — | — |
| 31 Aug 2026 · Board outcome: AGM on Sept 26, CFO elevated to MD, WTD resigns | board shareholder meetings | low | — | — |
| 25 Aug 2026 · CFO resigns to take up Managing Director role | management changes | high | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| PRIME SECURITIES LIMITED |
| 961 |
| 171.5 |
| 3.75 |
| 87.4 |
| 5.1 |
| — |
| 25.7 |
| 19.0 |
| WEALTH FRST PORT. MG. LTD | 900 | 27.3 | 5.29 | 17.3 | 22.5 | 30.3 | — | 97.5 |
| STELLANT SECURITIES (INDIA) LT | 559 | — | 1784.58 | — | 18.2 | 18.2 | — | 56.7 |
| THE INVEST TRUST OF IND L | 511 | 15.3 | 0.70 | 7.1 | 4.7 | 3.9 | (2.4) | 23.4 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 10.1 | 17.9 | 33 of 95 | 66% |
| P/B | 1.0 | 1.2 | 44 of 101 | 57% |
| ROE | 9.9 | 1.3 | 17 of 115 | 86% |
| Debt / Equity | 0.0 | 0.0 | 4 of 115 | 37% |
| EBITDA margin | 75.0 | 25.6 | 24 of 91 | 74% |
| Revenue growth | 44.5 | (4.1) | 23 of 85 | 74% |
| Profit growth | 42.0 | (0.2) | 43 of 109 | 61% |
| Market cap | 53 | 28 | 41 of 109 | 63% |
| A rating (BUY / ADD / REDUCE / SELL) |
| A state: the latest filed quarter and the measured reactions |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
