CAPITAL INDIA FINANCE Latest Share Price (CIFL)
TODAY IN ONE LINE
CIFL is little changed at ₹20.20 on above-average volume (2.1x avg) — a quiet consolidation day.
With a market cap of ₹795.8 Cr., it trades at a P/E of 20.40. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
How good is this company?
Overall performance across 5 key dimensions.
CAPITAL INDIA FINANCE flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Healthy Operating MarginsOPM is structurally strong at 60.2%
- ●High Promoter HoldingPromoters hold 72.6% skin-in-the-game
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
- ●Sales ContractionQuarterly sales dropped 46.0% YoY
- ●Poor Capital ReturnsLow ROE of 6.0%
Latest CAPITAL INDIA FINANCE News
What changed recently?
Recent events, corporate actions, and announcements.
CAPITAL INDIA FINANCE valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for CAPITAL INDIA FINANCE, framed against the sector median so the premium or discount is obvious at a glance.
CAPITAL INDIA FINANCE trades at a P/E of 20.40× and P/B of 1.17×.
Market-priced ratios use the latest available quote; accounting metrics use the latest reported filing. Compare values with matched peers and the company's own history.
Valuation
Profitability
Growth
Financial Health
CAPITAL INDIA FINANCE technical analysis: indicators, pivots and CPR.
Latest RSI, MACD and moving-average signals plus the latest pivot and Central Pivot Range levels for CAPITAL INDIA FINANCE — derived from the latest tape, not yesterday's close.
CAPITAL INDIA FINANCE last traded at ₹20.2 with an intraday range of ₹19.9–₹20.36 — latest indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Last: ₹20.20| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 21.33 | +1.13 | +5.58% |
| R3 | 20.87 | +0.67 | +3.30% |
| R2 | 20.61 | +0.41 | +2.05% |
| R1 | 20.41 | +0.21 | +1.02% |
| PIVOT | 20.15 | -0.05 | -0.23% |
| CURRENT | 20.20 | — | — |
| S1 | 19.95 | -0.25 | -1.25% |
| S2 | 19.69 | -0.51 | -2.51% |
| S3 | 19.49 | -0.71 | -3.53% |
| S4 | 19.03 | -1.17 | -5.81% |
CIFL is trading Above CPR, indicating Bullishness
CPR is Average
Day's range: ₹20.06–₹20.36
Trading Inside opening range
CAPITAL INDIA FINANCE financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for CAPITAL INDIA FINANCE — consolidated or standalone — with margins, YoY growth and key ratios inline.
CAPITAL INDIA FINANCE reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹795.8 Cr. and reported EPS of ₹0.10.
| Metric | Mar 2025 | Mar 2026 |
|---|---|---|
| Interest Earned | 228 | 188 ▼ 17.7% |
| 4 | 5 ▲ 17.0% | |
| Total Income | 619 | 533 ▼ 13.9% |
| Net Interest Income (NII)Derived | 228 | 188 ▼ 17.7% |
| Profit Before Tax (PBT) | -9 | 37 ▲ 516.3% |
| 1 | 5 ▲ 278.4% | |
| Effective Tax %Derived | -15.00% | 13.64% |
| Profit/Loss from Discontinued Ops | — | -1 |
| Total Profit for Period | -10 | 31 ▲ 402.1% |
| Less: Non-controlling Interests | -12 | -8 ▲ 32.0% |
| Net Profit (Owner's PAT)Derived | 2 | 39 ▲ 2413.0% |
| PAT Growth YoY %Derived | -86.71% | 2,413.01% |
| Earnings Per Share (EPS ₹) | 0.04 | 0.99 ▲ 2375.0% |
| Diluted Shares Outstanding (Cr) | 39 | 39 ▲ 0.5% |
| Other Comprehensive Income (Net of Tax) | 1 | 0 ▼ 88.0% |
| Fees & Commission Expense | 246 | 229 ▼ 7.0% |
| Impairment On Financial Instruments | 6 | 36 ▲ 470.1% |
| Net Gain Amortised Derecognition | 16 | 1 ▼ 96.3% |
| Net Gain Fair Value Changes | 6 | 11 ▲ 67.3% |
| Net Loss Amortised Derecognition | — | — |
| Other Revenue From Operations | 15 | 17 ▲ 11.1% |
| Revenue Sale Of Product | 121 | 125 ▲ 3.6% |
| Period | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | — | 107 | 106 ▼ 1.5% | 145 ▲ 37.5% | 177 ▲ 21.8% | 213 ▲ 20.0% | 228 ▲ 7.2% | 188 ▼ 17.7% | |
3 | 0 ▼ 99.3% | 0 ▼ 44.2% | 2 ▲ 18166.9% | 7 ▲ 228.5% | 8 ▲ 8.7% | 4 ▼ 47.1% | 5 ▲ 17.0% | ||
| Total Income | 59 | 119 ▲ 100.3% | 580 ▲ 387.0% | 532 ▼ 8.2% | 657 ▲ 23.5% | 688 ▲ 4.7% | 619 ▼ 10.1% | 533 ▼ 13.9% | |
| Net Interest Income (NII)Derived | — | 107 | 106 ▼ 1.5% | 145 ▲ 37.5% | 177 ▲ 21.8% | 213 ▲ 20.0% | 228 ▲ 7.2% | 188 ▼ 17.7% | |
| Profit Before Tax (PBT) | 10 | 24 ▲ 140.4% | 15 ▼ 39.4% | -18 ▼ 219.1% | -85 ▼ 386.3% | 1 ▲ 101.5% | -9 ▼ 787.6% | 37 ▲ 516.3% | |
4 | 10 ▲ 146.4% | 9 ▼ 17.3% | 3 ▼ 63.9% | 2 ▼ 47.5% | 8 ▲ 370.6% | 1 ▼ 82.7% | 5 ▲ 278.4% | ||
| Effective Tax %Derived | 42.01% | 43.06% | 58.76% | -17.80% | -1.92% | 597.68% | -15.00% | 13.64% | |
| Profit/Loss from Discontinued Ops | — | — | — | — | — | — | — | -1 | |
| Total Profit for Period | 6 | 14 ▲ 136.0% | 6 ▼ 56.1% | -21 ▼ 440.1% | -87 ▼ 320.8% | -6 ▲ 92.6% | -10 ▼ 58.9% | 31 ▲ 402.1% | |
| Less: Non-controlling Interests | — | -3 | -4 ▼ 4.4% | -18 ▼ 411.2% | -46 ▼ 153.3% | -18 ▲ 60.3% | -12 ▲ 34.9% | -8 ▲ 32.0% | |
| Net Profit (Owner's PAT)Derived | 6 | 17 ▲ 193.4% | 10 ▼ 44.3% | -3 ▼ 128.2% | -42 ▼ 1434.9% | 12 ▲ 128.1% | 2 ▼ 86.7% | 39 ▲ 2413.0% | |
| PAT Growth YoY %Derived | — | 193.42% | -44.26% | -128.16% | -1,434.94% | 128.06% | -86.71% | 2,413.01% | |
| Earnings Per Share (EPS ₹) | 0.15 | 0.44 ▲ 193.3% | 0.25 ▼ 43.2% | -0.06 ▼ 124.0% | -1.06 ▼ 1666.7% | 0.30 ▲ 128.3% | 0.04 ▼ 86.7% | 0.99 ▲ 2375.0% | |
| Diluted Shares Outstanding (Cr) | 39 | 39 ▲ 0.0% | 39 ▲ 0.0% | 39 ▲ 0.0% | 39 ▲ 0.0% | 39 ▲ 0.0% | 39 ▲ 0.1% | 39 ▲ 0.5% | |
| Other Comprehensive Income (Net of Tax) | — | 0 | 0 ▲ 124.2% | 0 ▲ 70.1% | 0 ▼ 36.5% | -1 ▼ 271.8% | 1 ▲ 212.6% | 0 ▼ 88.0% | |
| Fees & Commission Expense | — | — | 114 | 199 ▲ 74.6% | 361 ▲ 81.5% | 319 ▼ 11.6% | 246 ▼ 22.7% | 229 ▼ 7.0% | |
| Impairment On Financial Instruments | — | 14 | 0 ▼ 99.8% | 3 ▲ 9930.0% | 1 ▼ 65.7% | 3 ▲ 152.7% | 6 ▲ 108.9% | 36 ▲ 470.1% | |
| Net Gain Amortised Derecognition | — | — | — | — | — | 10 | 16 ▲ 53.0% | 1 ▼ 96.3% | |
| Net Gain Fair Value Changes | — | 2 | 1 ▼ 43.1% | 1 ▼ 53.6% | 2 ▲ 311.0% | 4 ▲ 65.3% | 6 ▲ 58.8% | 11 ▲ 67.3% | |
| Net Loss Amortised Derecognition | — | 1 | — ▼ 100.0% | — | — | — | — | — | |
| Other Revenue From Operations | — | 2 | 267 ▲ 11645.5% | 12 ▼ 95.7% | 27 ▲ 133.7% | 37 ▲ 38.1% | 15 ▼ 58.9% | 17 ▲ 11.1% | |
| Revenue Sale Of Product | — | 0 | 76 ▲ 25466.7% | 134 ▲ 75.2% | 140 ▲ 4.8% | 130 ▼ 7.1% | 121 ▼ 7.2% | 125 ▲ 3.6% |
CAPITAL INDIA FINANCE segment analysis : revenue and profit mix.
Disclosed business segments at CAPITAL INDIA FINANCE with their share of revenue and profit, switchable between consolidated and standalone reporting.
CAPITAL INDIA FINANCE discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for CAPITAL INDIA FINANCE.
Our AI distills the core fundamental drivers supporting CAPITAL INDIA FINANCE, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
CAPITAL INDIA FINANCE's investment case rests on 10 positive markers and 15 flagged concerns drawn from the latest reported filings.
What you're getting.
Promoter holding 72.59% demonstrates strong founder commitment and long-term alignment.
Current ratio 17.75x indicates robust short-term liquidity and immediate solvency.
Price-to-book 1.22x among lowest peers signals potential undervaluation opportunity.
Fintech arms RapiPay and RemitX provide revenue diversification beyond core lending.
Small market cap ₹0.01 LCr offers asymmetric upside potential for contrarian investors.
Key Risks.
Latest quarterly PAT loss ₹9.63 Cr signals operational distress and profitability collapse.
Operating cash flow swung negative ₹278.72 Cr from positive ₹47.93 Cr prior year.
ROE 4.63% destroys shareholder value and signals severe capital misallocation.
Debt-to-equity 1.31x extreme leverage for NBFC limits financial flexibility significantly.
TTM revenue declined 7% YoY indicating contracting business and persistent headwinds.
Flip Conditions.
Valuation risk. a P/E above 27 would leave less room for earnings disappointment.
Reassess if Net Interest Margin (NIM) contracts for two consecutive quarters.
Watch for asset quality deterioration if Gross NPA trends upward.
Return-quality risk. ROE below 8% would indicate weaker capital compounding.
CAPITAL INDIA FINANCE peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — CAPITAL INDIA FINANCE is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
|---|
CAPITAL INDIA FINANCE chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for CAPITAL INDIA FINANCE — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
CAPITAL INDIA FINANCE delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for CAPITAL INDIA FINANCE over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in CAPITAL INDIA FINANCE stood at 83.8% of traded volume, against a 20-day average of 80.9%.
CAPITAL INDIA FINANCE announcements: results, concalls, ratings, M&A.
Filings CAPITAL INDIA FINANCE sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
CAPITAL INDIA FINANCE files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 85 documents below.
Resignation of Director/KMP/SMP
Capital India Finance Limited has informed the Exchange about Resignation of Director/KMP/SMP
Press Release
Capital India Finance Limited has submitted to the Exchange press/media release titled "Capital India Finance Approves Transfer of RemitX Forex…
Outcome of Board Meeting
Capital India Finance Limited has submitted to the Exchange regarding Outcome of Board Meeting held on August 31, 2026 for the transfer of the assets…
Updates
Capital India Finance Limited has informed the Exchange regarding 'Letter dispatched to the Members of the Company - Weblink of Annual Report…
Copy of Newspaper Publication
Capital India Finance Limited has informed the Exchange about Copy of Newspaper Publication informing dispatch of Notice and Annual Report for the…
Investor decks & rating reports.
CAPITAL INDIA FINANCE dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue CAPITAL INDIA FINANCE has declared, sequenced by announce and record date.
CAPITAL INDIA FINANCE corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About CAPITAL INDIA FINANCE: business, sector, key facts.
What CAPITAL INDIA FINANCE does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
CAPITAL INDIA FINANCE operates in the Non Banking Financial Company (NBFC) industry under the Financial Services sector, listed as NSE: CIFL, BSE: 530879.
Capital India Finance Limited (CIFL) is a non-banking finance company (NBFC) operating primarily in India, specializing in lending and foreign exchange (forex) services. Its core business revolves around providing financial solutions to both businesses and individuals. The company has a strong presence in various segments of the Indian financial market, leveraging its expertise to cater to diverse client needs.
A significant portion of CIFL's business focuses on small business finance. This includes offering secured loans to facilitate business operations and expansion. Further bolstering its support for small businesses, CIFL provides equipment and supply chain finance products, addressing crucial financial needs throughout the production and distribution process. This targeted approach to financing small businesses allows CIFL to tap into a significant market segment in India.
On the retail finance side, CIFL offers a broad spectrum of loan products to individual customers. These include various home loans such as home loans, home improvement loans, home extension loans, NRI (Non-Resident Indian) home loans, and home loan balance transfer options. The breadth of its retail offerings provides diverse solutions for individual financial needs related to property and housing.
Beyond its lending operations, CIFL also operates in the fintech space with RapiPay and RemitX. RapiPay provides assisted payment services and Point of Sale (POS) solutions, facilitating transactions and streamlining financial processes. RemitX focuses on retail forex services, offering products such as foreign currency notes, overseas remittances, foreign currency prepaid travel cards, and import/export of foreign currency notes. This diversification into fintech expands CIFL’s reach and revenue streams, adding another layer of complexity to its overall business model.
In summary, CIFL's business model is characterized by its diverse offerings, covering both traditional lending and modern fintech solutions. Its strategic focus on small businesses and retail consumers, combined with its forex services, positions it as a multifaceted player in the Indian financial landscape. The company's history, dating back to 1994, and its current structure as a subsidiary of Capital India Corp Private Limited, highlight its evolution and standing within the broader financial sector.
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Questions investors ask about CAPITAL INDIA FINANCE (CIFL).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of CAPITAL INDIA FINANCE (CIFL)?
The current share price of CAPITAL INDIA FINANCE (CIFL) is ₹20.20. Today, the stock has gained by ₹0.01 (0.05%), trading in a range of ₹19.90 to ₹20.36. The stock opened at ₹20.08 with a trading volume of 2,47,154 shares.
02Is CAPITAL INDIA FINANCE stock a good investment for long-term?
CAPITAL INDIA FINANCE can be considered for long-term investment based on several factors. The company has a market capitalization of ₹795.8 Cr., P/E ratio of 20.4, ROE of 6.03%, and ROCE of 9.31%. The dividend yield stands at 0.1%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of CAPITAL INDIA FINANCE stock?
The 52-week high price of CAPITAL INDIA FINANCE (CIFL) is ₹39.69, while the 52-week low is ₹19.56. Currently trading at ₹20.20, the stock is 3.27% above its 52-week low and 49.11% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy CAPITAL INDIA FINANCE stock at the current price?
Whether to buy CAPITAL INDIA FINANCE stock at ₹20.20 depends on multiple factors. The stock is currently trading with a P/E ratio of 20.4 and P/B ratio of 1.17. Today's performance shows a gain of 0.05%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of CAPITAL INDIA FINANCE and when is the next dividend?
CAPITAL INDIA FINANCE offers a dividend yield of 0.1%, which means for every ₹100 invested at the current price of ₹20.20, you can expect to receive approximately ₹0.10 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of CAPITAL INDIA FINANCE?
CAPITAL INDIA FINANCE's key financial metrics include: P/E Ratio: 20.4, P/B Ratio: 1.17, ROE: 6.03%, ROCE: 9.31%, Dividend Yield: 0.1%, EPS: ₹0.10, Book Value: ₹17.66, and Debt-to-Equity: 1.31. The company's market cap stands at ₹795.8 Cr.. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is CAPITAL INDIA FINANCE stock performing today in the market?
CAPITAL INDIA FINANCE stock opened at ₹20.08 and is currently trading at ₹20.20, showing a gain of ₹0.01 (0.05%). The intraday high is ₹20.36 and low is ₹19.90. The trading volume stands at 2,47,154 shares, indicating moderate market participation today.
08What is the P/E ratio of CAPITAL INDIA FINANCE and what does it indicate?
CAPITAL INDIA FINANCE has a Price-to-Earnings (P/E) ratio of 20.4, which means investors are willing to pay 20.40 for every ₹1 of earnings. With an EPS of ₹0.10, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about CAPITAL INDIA FINANCE (CIFL) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.