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
Real Estate

Marathon, Adani Launch Rs 34 Bn Commercial Project in Mumbai

Marathon Nextgen Realty, in a joint venture with Adani Realty, has announced Monte South Commercial, a major office and retail development in Byculla, Mumbai. With a built-up area of approximately 1.2 million sq ft and an estimated Gross Development Value (GDV) of Rs 34 billion, the project significantly strengthens Marathon’s commercial portfolio in South Mumbai.Monte South Commercial is part of the larger Monte South campus, which includes four residential towers totalling over 1.6 million sq ft of saleable area. Tower A is ready with its Occupation Certificate (OC), Tower B has topped out..

Next Story
Infrastructure Urban

PTC Industries and BDL Form JV for Missile and UAV Propulsion

PTC Industries, a leading manufacturer of high-performance materials and precision-engineered components for Defence and Aerospace, has signed a Memorandum of Understanding (MoU) with Bharat Dynamics (BDL) to establish a Joint Venture (JV) for the design, development, and manufacture of propulsion systems, aero-engines, guided bombs, and loitering munitions for missiles and UAVs, subject to regulatory approvals.The MoU was exchanged during the Lokarpan Ceremony of PTC’s Titanium & Superalloys Materials Plant at the Strategic Materials Technology Complex (SMTC), Lucknow, in the presence o..

Next Story
Infrastructure Urban

J&K Bank Reports H1 Net Profit of Rs 9.79 Bn, Q2 at Rs 4.94 Bn

J&K Bank announced a net profit of Rs 4.94 billion for the July–September quarter (Q2) of the current financial year (CFY), bringing its half-year (H1) net profit to Rs 9.78 billion, up from Rs 9.66 billion in H1 last fiscal. The results were approved by the Bank’s Board of Directors at a meeting held at its Corporate Headquarters.The Q2 performance was moderated by Rs 920 million provisioning towards its investment in Jammu and Kashmir Grameen Bank following the amalgamation of Ellaquai Dehati Bank under the “One State, One RRB” initiative. Total provisioning for H1 stands at Rs 1..

Advertisement

Subscribe to Our Newsletter

Get daily newsletters around different themes from Construction world.

STAY CONNECTED

Advertisement

Advertisement

Advertisement

Talk to us?