CIFL Crosses Rs 10 Billion AUM in FY25
ECONOMY & POLICY

CIFL Crosses Rs 10 Billion AUM in FY25

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 Highlights
Financials (Standalone):
20. Total Income: Rs 1.84 billion
21. Profit Before Tax: Rs 128.8 million
22. Profit After Tax: Rs 117.8 million
Asset Quality & Capital:
23. Net NPA: 0.98% | Gross NPA: 1.83%
24. Capital Adequacy Ratio: 36.08%
25. Debt-to-Equity Ratio: 1.06x
26. Net Worth: Rs 6.22 billion
Disbursements:
27. Q4 FY25: Rs 1.73 billion (up 78% QoQ)
28. FY25 Total: Rs 4.65 billion
Funding & Credit Rating:
1. Rs 4 billion raised during FY25
2. Total Outstanding Debt: Rs 6.66 billion from 20 lenders (6 new)
3. Received “A” rating from Infomerics Valuation and Rating Pvt Ltd
Subsidiary Performance
Capital India Home Loans Ltd.:
1. Total Income: Rs 745.5 million | PAT: Rs 27.8 million
2. AUM: Rs 4.9 billion (up 9% YoY)
3. Entire stake approved for sale to Weaver Services Pvt Ltd for Rs 2.67 billion
Rapipay Fintech Pvt. Ltd.:
1. FY25 Income: Rs 3.6 billion
2. Q4 Cash Profit: Rs 15.4 million
3. Losses reduced by 35% YoY

CIFL’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.

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.

Next Story
Infrastructure Urban

DCPC Prepares for Special Campaign 5.0 with Focus on E-Waste

The Department of Chemicals and Petrochemicals (DCPC), Ministry of Chemicals and Fertilisers, is gearing up for Special Campaign 5.0, to be held from 2nd to 31st October 2025. The initiative will focus on e-waste disposal as per MoEFCC’s E-Waste Management Rules 2022, space optimisation, and enhancing workplace efficiency across field offices.Special Campaign 4.0, conducted between October 2023 and October 2024, delivered notable results in record management, grievance redressal, scrap disposal, and cleanliness drives.Key outcomes of Special Campaign 4.0Records management: 2,443 physical fil..

Next Story
Real Estate

BlackRock India Leases 1.4 Lakh Sq Ft in Bengaluru

BlackRock Services India, the domestic arm of global asset manager BlackRock, has leased 1.4 lakh sq ft of office space at IndiQube Symphony in Bengaluru, according to Propstack data. The 10-year deal is valued at around Rs 4.10 billion.The lease, among the largest transactions in India’s co-working sector, highlights the growing preference of global institutions for flexible office providers. The agreement, commencing October 1, 2025, covers ground plus five floors in KNG Tower 1 at Ashoknagar, MG Road — one of Bengaluru’s prime commercial hubs.As per the lease document, BlackRock will ..

Next Story
Infrastructure Transport

L&T Bags Rs 25–50 Bn Order for Mumbai-Ahmedabad Bullet Train Track Works

Larsen & Toubro’s (L&T) Transportation Infrastructure business has secured an order valued between Rs 25 crore and Rs 50 billion from the National High Speed Rail Corporation Limited (NHSRCL) for the Mumbai-Ahmedabad High Speed Rail (MAHSR) corridor.The contract, Package T1, involves the design, supply, construction, testing, and commissioning of 156 route km of high-speed ballastless track on a Design-Build Lump Sum Price basis. The stretch runs from Mumbai’s Bandra-Kurla Complex to Zaroli village in Gujarat and includes 21 km of underground track and 135 km of elevated viaduct.Se..

Advertisement

Subscribe to Our Newsletter

Get daily newsletters around different themes from Construction world.

STAY CONNECTED

Advertisement

Advertisement

Advertisement

Talk to us?