Capital India Finance Assets Under Management Crosses ₹1000 Crore in FY25

Capital India Finance Limited, a Middle Layer Non-Banking Financial Company (NBFC), proudly announces that it has surpassed ₹1000 Crore in Assets Under Management (AUM) in the Financial Year 2024-2025. As of March 31, 2025, CIFL's AUM stands at ₹1,004.52 crore, marking a 7% year-on-year growth from ₹935.15 crore in March 2024.

This milestone underscores CIFL’s prudent lending strategy, sharp focus on asset quality, and a steadfast commitment to empowering India's underserved MSME sector. As of FY2024-25, 84% of CIFL’s AUM are secured and 16% are unsecured. With a strong ALM profile, conservative leverage and a diversified funding base, CIFL is poised for sustained growth in the coming years. A net NPA of 0.98% reflects CIFL’s robust risk assessment protocols and ranks it amongst the best in its peer group.

With a Debt equity ratio of 1.06x and a Capital Adequacy Ratio of 36.08% as at March 31, 2025, CIFL is strategically positioned to capitalize on emerging opportunities in the MSME lending space.

“We have laid a robust foundation to drive sustainable and profitable growth. The framework and systems implemented over the past year will begin delivering results from FY26 onwards. Our diversified lending approach, strong asset quality, and conservative leverage provide the strength to grow responsibly. The sale of Capital India Home Loans allows us to sharpen our strategic focus on the MSME lending opportunity – a core area where we see significant potential. We aim to expand our NBFC branch network to 100 branches over the next two years,” says Mr. Pinank Shah, CEO, Capital India Finance Limited

Some of the key highlights for FY 2024-2025 included:

Robust Financial Performance

• Standalone Total Income: ₹184.45 crore
• Consolidated Total Income: ₹618.71 crore
• Standalone PBT: ₹12.88 Crore
• Standalone PAT: ₹11.78 crore

Strong Asset Quality & Capital Position

• Net NPA: 0.98% | Gross NPA: 1.83%
• Capital Adequacy Ratio (CRAR): 36.08%
• Debt-to-Equity Ratio: 1.06x
• Net Worth: ₹621.54 crore

Disbursements

• Q4 FY25: ₹172.69 crore (up 78% QoQ)
• FY25 Total Disbursements: ₹465.41 crore

Funding & Credit Rating

• ₹400 crore debt raised during FY25.
• Outstanding Debt of ₹666.17 Crores from a diversified base of 20 lenders as on March 31, 2025 (including 6 new lenders added during FY25)
• Received “A” rating from Infomerics Valuation and Rating Pvt. Ltd.

Performance of Subsidiaries

Capital India Home Loans Ltd.:

• FY25: Total Income: ₹74.55 Crores | Profit After Tax : ₹2.78 Crores
• AUM: ₹490.03 Crores as on March 31, 2025 (9% YoY growth)
• CIFL Board approved sale of entire stake to Weaver Services Private Limited for ₹266.53 Crores (October 16, 2024); Shareholders approved on January 29, 2025; RBI approval received in May 2025 and transaction closure expected within first half of FY2025-26

Rapipay Fintech Pvt. Ltd.:

• Total Income: ₹360.03 Crores during FY25
• Cash Profit of 1.54 cr in Q4FY2025
• FY25: Losses reduced by 35% YoY