SI CAPITAL & FINANCIAL SERVICE

Operates as a Non-Banking Financial Company (NBFC) based in Coimbatore, Tamil Nadu, earning revenue primarily through interest income on loans extended to borrowers. Total income for FY26 stood at Rs 371.21 lakhs, up 42.7% year-on-year, with net profit after tax of Rs 33.37 lakhs and EPS of Rs 0.67. The lending business reports a debt-equity ratio of 1.40 and a capital adequacy ratio of 40.87%. Stage 3 (non-performing) loan assets stood at 3.48% of gross loans with a provision coverage ratio of 90.10%. Employee costs are the largest operating expense at 29.1% of revenue, followed by other operating expenses at 16.1%. Operating cash flow turned negative at Rs 216.66 lakhs in FY26 due to significant increases in loans and other financial assets, with funding supplemented by a Rights Issue of up to Rs 757.50 lakhs (3:2 entitlement ratio) and Secured Unlisted Redeemable NCDs of up to Rs 50 lakhs at 12% per annum, payable monthly, with a maximum tenure of 60 months.