Capital India Finance Limited (NSE & BSE: CIFL), a middle-layer NBFC, has surpassed Rs 10 billion in Assets Under Management (AUM) for the financial year 2024–25. As of 31 March 2025, CIFL’s AUM stood at Rs 10.04 billion, reflecting a 7 per cent year-on-year rise from Rs 9.35 billion in March 2024.This milestone highlights the company’s disciplined lending, strong asset quality, and unwavering focus on India’s underserved MSME segment. Secured lending accounted for 84 per cent of the AUM, with the remainder being unsecured. The NBFC reported a net NPA of just 0.98 per cent and maintained a debt-to-equity ratio of 1.06x alongside a robust Capital Adequacy Ratio of 36.08 per cent.CEO Pinank Shah said, “The sale of Capital India Home Loans will help sharpen our focus on MSME lending. With a sound framework now in place, we expect to see results from FY26 onwards. Our aim is to grow our branch network to 100 locations over the next two years.”FY25 HighlightsFinancials (Standalone):20. Total Income: Rs 1.84 billion21. Profit Before Tax: Rs 128.8 million22. Profit After Tax: Rs 117.8 millionAsset Quality & Capital:23. Net NPA: 0.98% | Gross NPA: 1.83%24. Capital Adequacy Ratio: 36.08%25. Debt-to-Equity Ratio: 1.06x26. Net Worth: Rs 6.22 billionDisbursements:27. Q4 FY25: Rs 1.73 billion (up 78% QoQ)28. FY25 Total: Rs 4.65 billionFunding & Credit Rating:1. Rs 4 billion raised during FY252. Total Outstanding Debt: Rs 6.66 billion from 20 lenders (6 new)3. Received “A” rating from Infomerics Valuation and Rating Pvt LtdSubsidiary PerformanceCapital India Home Loans Ltd.:1. Total Income: Rs 745.5 million | PAT: Rs 27.8 million2. AUM: Rs 4.9 billion (up 9% YoY)3. Entire stake approved for sale to Weaver Services Pvt Ltd for Rs 2.67 billionRapipay Fintech Pvt. Ltd.:1. FY25 Income: Rs 3.6 billion2. Q4 Cash Profit: Rs 15.4 million3. Losses reduced by 35% YoYCIFL’s performance positions it strongly for future growth, particularly within MSME lending, as it leverages its strengthened capital structure, robust asset quality, and diversified funding base.