Capital India Finance Crosses ₹1,000 Cr AUM Milestone in FY25; Strengthens MSME Focus
By Ankur Chandra | Updated at: May 31, 2025 10:41 PM IST
MUMBAI, May 26, 2025 : Capital India Finance Limited (NSE: CIFL | BSE: 530879), announced that it has crossed the ₹1,000 crore mark in Assets Under Management (AUM) for the financial year ended March 31, 2025. This is a 7% YoY growth from ₹935.15 crore to ₹1,004.52 crore.
Key Financial Highlights
| Particulars | FY25 (₹ Cr) |
|---|---|
| Standalone Total Income | 184.45 |
| Consolidated Total Income | 618.71 |
| Standalone PBT | 12.88 |
| Standalone PAT | 11.78 |
| Net NPA | 0.98% |
| Gross NPA | 1.83% |
| Capital Adequacy Ratio | 36.08% |
| Debt-to-Equity Ratio | 1.06x |
| Net Worth | 621.54 |
| FY25 Disbursements | 465.41 |
| Q4 FY25 Disbursements | 172.69 (↑78% QoQ) |
| Debt Raised in FY25 | 400.00 |
| Outstanding Debt (Mar 2025) | 666.17 |
| Credit Rating | A (Infomerics) |
Segment-Wise Snapshot
- Secured vs Unsecured AUM: 84% of CIFL’s AUM is secured, and the remaining 16% is unsecured.
- Funding Base: The funding base of the company includes 20 lenders. From this, six were added during FY25.
Subsidiary Performance
Capital India Home Loans Ltd.
- FY25 Income: ₹74.55 crore
- PAT: ₹2.78 crore
- AUM: ₹490.03 crore (9% YoY growth)
- The entire stake was sold to Weaver Services Pvt. Ltd. for ₹266.53 crore. The company received RBI approval in May 2025. This transaction is to close in H1 FY26.
Rapipay Fintech Pvt. Ltd.
- FY25 Income: ₹360.03 crore
- Cash Profit (Q4 FY25): ₹1.54 crore
- FY25 Loss Reduction: 35% YoY
Strategic Commentary
“Our diversified lending approach, strong asset quality, and conservative leverage provide the strength to grow responsibly. The sale of Capital India Home Loans allows us to sharpen our strategic focus on the MSME lending opportunity — a core area where we see significant potential. We aim to expand our NBFC branch network to 100 branches over the next two years,” said Mr. Pinank Shah, CEO, Capital India Finance Ltd.
Strategic Outlook
With a capital adequacy ratio of over 36% and low net NPA at 0.98%, CIFL is strategically positioned to deepen its focus on MSMEs while maintaining financial discipline. The company sees FY26 as the inflection point where its strengthened operational systems and digital-first approach will start yielding enhanced returns.
About the Company:
Capital India Finance Limited, incorporated in 1994 and restructured under new management in 2017, operates across MSME lending and forex (via RemitX), with digital banking exposure through Rapipay. As of March 2025, its consolidated AUM stands at ₹1,474.79 crore.
REF: https://nsearchives.nseindia.com/corporate/CIFL_26052025125823_Intimation_Press_Release.pdf
