CSL Finance Kicks Off FY26 with 23% AUM Growth and ₹169 Cr in Fresh Debt Raised
By Shishta Dutta | Updated at: Oct 30, 2025 12:27 PM IST
Mumbai, 01 July 2025: CSL Finance Limited has commenced FY26 with a notable 23% year-on-year rise in Assets Under Management (AUM), reaching ₹1,305 crore as of 30 June 2025, compared to ₹1,065 crore in the corresponding quarter of the previous year. This increase reflects the company’s strategic lending expansion and consistent market engagement.
Quarterly Performance Reflects Operational Strength and Lending Growth
| Particulars | Q1 FY26 (₹ Cr) | Q1 FY25 (₹ Cr) | Growth (%) |
|---|---|---|---|
| Assets Under Management (AUM) | 1,305* | 1,065* | 23% |
| Loans Disbursed | 356 | Not disclosed | – |
| Collections | 245 | Not disclosed | – |
| Fresh Debt Raised | 169 | Not disclosed | – |
| Liquidity Surplus | 86** | Not disclosed | – |
| Capital Adequacy Ratio (CAR) | ~43% | Not disclosed | – |
*Includes Direct Assignment (DA): ₹50 Cr in Q1 FY26 vs ₹59 Cr in Q1 FY25
**Includes undrawn sanctions of ₹10 Cr
Lending Focus Shifts Further Towards Wholesale Segment
The company’s loan portfolio has shown a deliberate shift towards wholesale lending. As of June 2025, the Wholesale Lending (WSL) to SME Lending ratio stands at 69:31, up from 66:34 at the end of March 2025. This shift highlights CSL Finance’s strategic preference for larger ticket-size loans, likely aimed at improved margins and scalability.
New Partnerships and Fresh Capital Raise Expand Lending Capacity
In Q1 FY26, CSL Finance brought Karur Vysya Bank on board as a new lending partner, broadening its institutional network. The company also raised ₹169 crore in fresh debt from both existing and new banking and financial institutions. This injection of capital enhances its lending capabilities and reflects market confidence in its business model.
Liquidity Position Remains Sound at ₹86 Cr Buffer
CSL Finance maintained a liquidity surplus of ₹86 crore, which includes ₹10 crore in undrawn sanctions. This solid cash reserve ensures readiness for upcoming disbursements and provides a cushion against unforeseen financial pressures, supporting operational continuity.
Capital Adequacy at 43% Signals Strong Financial Health
With a Capital Adequacy Ratio of approximately 43%, CSL Finance remains well-capitalised, far exceeding regulatory requirements. This robust capital base underpins its ability to pursue growth while maintaining financial stability and compliance.
Provisional Data Awaiting Auditor Review
The Q1 FY26 performance data is provisional and currently under limited review by the statutory auditors. A comprehensive financial report and detailed presentation are expected to be released soon.
About CSL Finance
CSL Finance Limited is a publicly listed non-banking financial company (NBFC) engaged in SME and wholesale lending. The company is listed on the NSE and BSE, operating from its registered office in New Delhi and corporate office in Noida.
REF:https://nsearchives.nseindia.com/corporate/CSLFINANCELIMITED_01072025135509_Investor_UpdateQ1_FY26_signed.pdf
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