Board Meeting Details
The Board of Directors meeting was held on November 6, 2026, through video conferencing, commencing at 02:00 PM and concluding at 04:00 PM.
Key Approvals and Notings
1. Approved the Unaudited Financial Results (Standalone and Consolidated) for the quarter and half year ended September 30, 2026
2. Noted the Limited Review Report(s) on the Financial Results issued by V. Sankar Aiyar & Co., Chartered Accountants
3. Noted email from BSE regarding non-compliance with Regulation 60(2) of Listing Regulations
Financial Results - Standalone (₹ in Lakhs)
Quarterly Performance (Q2 FY27)
- Revenue from operations: ₹7,232.47
- Total Income: ₹7,579.53
- Profit before tax: ₹534.41
- Profit after tax: ₹395.53
- EPS (Basic): ₹0.10
- EPS (Diluted): ₹0.10
Half Yearly Performance (H1 FY27)
- Revenue from operations: ₹14,131.42
- Total Income: ₹14,632.19
- Profit before tax: ₹1,028.69
- Profit after tax: ₹771.27
- EPS (Basic): ₹0.20
- EPS (Diluted): ₹0.19
Comparative Figures (Q2 FY26)
- Revenue from operations: ₹4,800.56
- Total Income: ₹4,841.43
- Profit before tax: ₹4,407.08 (includes exceptional item)
- Profit after tax: ₹3,769.92
Exceptional Items
For year ended March 31, 2026: Gain of ₹9,791.83 lakhs from sale of entire 99.82% stake in Capital India Home Loans Limited
Asset Quality Indicators (Standalone)
- Gross NPA: 2.89%
- Net NPA: 1.65%
- Capital to Risk-weighted Assets Ratio (CRAR): 40.77%
Balance Sheet Position (Standalone as at Sep 30, 2026)
- Total Assets: ₹1,66,152.15 lakhs
- Total Financial Assets: ₹1,59,623.55 lakhs
- Loans: ₹1,19,193.93 lakhs
- Investments: ₹20,477.97 lakhs
- Cash and cash equivalents: ₹12,207.12 lakhs
- Total Equity: ₹67,884.70 lakhs
- Debt Securities: ₹14,573.80 lakhs
- Borrowings: ₹73,944.93 lakhs
Regulatory Compliance Matter
- Received email from BSE regarding one-day delay in intimating record date for payment of interest on Non-Convertible Debentures
- SOP fine of ₹10,000 (plus applicable taxes) levied and paid within prescribed timeline
- Board noted delay was inadvertent without mala fide intent
- Management advised to ensure strict adherence to regulatory requirements
Fundraising Activity
- Issued 100,000 senior, secured, rated, listed, redeemable, transferable, taxable non-convertible debentures (NCDs)
- Face value: ₹10,000 each
- Aggregate amount: ₹10,000 lakhs (₹100 crore)
- Issue date: September 29, 2026
- Funds remained unutilized as of September 30, 2026
Business Segment Performance (Standalone)
Lending Business
- Q2 FY27 Revenue: ₹6,906.15 lakhs
- Q2 FY27 Segment Results: ₹554.85 lakhs
- H1 FY27 Revenue: ₹13,197.78 lakhs
- H1 FY27 Segment Results: ₹1,045.87 lakhs
Forex Business
- Q2 FY27 Revenue: ₹673.38 lakhs
- Q2 FY27 Segment Results: (₹20.44) lakhs
- H1 FY27 Revenue: ₹1,334.41 lakhs
- H1 FY27 Segment Results: (₹17.18) lakhs
Asset Sale Agreement
- Entered Asset Purchase Agreement with Kanji Forex Private Limited for sale of RemitX forex business assets
- Aggregate consideration: ₹1,140 lakhs payable upon fulfillment of terms and conditions
- Received facilitation fees of ₹310 lakhs during quarter for employee transition
- RemitX business assets disclosed as Assets Held for Sale at ₹178.80 lakhs
Co-Lending Arrangements
As Partner RE
- 8 active CLA partners
- Gross principal outstanding: ₹10,119.73 lakhs
- Weighted average interest rate: 16.05%
- MSME exposure: ₹9,694.25 lakhs
- Standard Loans: ₹10,074.39 lakhs
- NPA: ₹45.34 lakhs
As Originating RE
- 1 active CLA partner
- Gross principal outstanding: ₹34.69 lakhs
- Weighted average interest rate: 16.80%
- Entire exposure to MSME sector
- All loans standard performance
Security Cover Certification
- Security cover ratio: 1.33 times (against pari-passu charge debt)
- Assets charged: Book debts/loan receivables amounting to ₹1,18,754.73 lakhs
- Total pari-passu debt: ₹89,366.91 lakhs
- Certificate issued by V. Sankar Aiyar & Co. confirming adequacy of security cover
Consolidated Financial Results (₹ in Lakhs)
Quarterly Performance (Q2 FY27)
- Total Income: ₹12,807.69
- Profit after tax from continuing operations: (₹213.75)
- EPS (Basic) from continuing operations: ₹0.02
Half Yearly Performance (H1 FY27)
- Total Income: ₹25,660.62
- Profit after tax from continuing operations: (₹1,176.56)
- EPS (Basic) from continuing operations: (₹0.06)
Subsidiaries Included in Consolidation
1. Rapipay Fintech Private Limited
2. Capital India Asset Management Private Limited
3. NYE Investech Private Limited (formerly Kuants Wealth Private Limited)
4. Rapipay Payments Private Limited (formerly NYE Insurance Broking Private Limited)
Labour Code Impact
- Estimated incremental impact of New Labour Codes: ₹150.45 lakhs recognized in FY26 results
- Company monitoring finalization of Central/State Rules for appropriate accounting treatment
Documents Submitted
1. Financial Results and Limited Review Reports for quarter and half year ended September 30, 2026
2. Disclosure under Regulation 52(4) of Listing Regulations
3. Security creation details and certificate under Regulation 54(2) & 54(3)
4. Utilization/deviation statement of NCD proceeds under Regulation 52(7) & 52(7A)
Additional Information
- Financial results uploaded on company website: www.capitalindia.com
- Company registered as NBFC-ND with RBI and classified as NBFC - Middle Layer
- Previous period figures regrouped/reclassified for comparability