Capital India Finance’s AUM grows 22% YoY to Rs1,227 crore; disbursements up 62%
FinTech BizNews Service
Mumbai, 20 May 2026: Capital India Finance Limited (CIFL) reported strong growth in profitability and lending momentum for FY26, a result of the company’s increasing focus on secured MSME lending, distribution expansion, and balance sheet strengthening initiatives.
Its standalone PAT is Rs40 cr for FY26, registering a sharp 243% YoY increase, while total revenue rose 11% YoY to Rs229.67 crore. Interest income grew 15% YoY to Rs186.09 crore, indicating continued traction in the company’s core lending business.
Commenting on the results, Mr. Surender Rana, Executive Vice Chairman, CIFL, said: “FY26 was a year of strategic recalibration for CIFL as we sharpened our focus on secured MSME and retail lending. Alongside balance sheet strengthening through the divestment of CIHL, the Company expanded its distribution network and reinforced its leadership team and employee base to support continued growth.”
Mr. Pinank Shah, Chief Executive Officer, CIFL, commented: “The expansion of our network to 46 locations, combined with our continued focus on secured and granular lending, is helping us build a scalable and disciplined lending franchise. We are seeing improving traction across our core business segments. As we continue to scale our lending business, we believe the combination of prudent risk management, technology-led execution and a stronger liability profile positions us well for the next phase of sustainable growth.”
Capital India Finance’s Assets Under Management (AUM) stood at Rs1,227.37 crore as of March 31, 2026, reflecting 22% YoY growth, while disbursements increased 62% YoY to Rs753.54 crore, driven by improving customer acquisition and expansion across MSME lending segments.
The company also maintained strong balance sheet metrics, with Capital Adequacy Ratio (CAR) at 40.99% and Net NPA at 1.32%.
During FY26, CIFL expanded its branch and distribution network from 29 branches to 46 branches, while also strengthening its leadership and employee base to support future growth. The company raised total debt of Rs600 crore during the year, including NCD issuance, supported by participation from both existing and new lenders.
A key strategic development during the financial year was the divestment of Capital India Home Loans Limited (CIHL) for Rs267 crore as part of the company’s sharpened focus on its core lending franchise and capital allocation strategy.
The company’s fintech subsidiary, Rapipay Fintech Pvt. Ltd., also reported operational improvement during FY26, achieving EBITDA positivity with EBITDA of Rs6.89 crore and reducing overall losses compared to the previous year.
On a consolidated basis, CIFL reported total revenue of Rs532.84 crore and Profit After Tax of Rs30.89 crore for FY26, compared to a loss in FY25.
Management indicated that the company remains focused on scaling its secured MSME lending franchise while leveraging technology-led processes, distribution expansion, and a strengthened liability profile to support future growth.
