Company Overview

Real Touch Finance Limited (CIN: L01111WB1997PLC085164, Scrip Code: 538611) convened its 41st Annual General Meeting on 26th September 2026 and disclosed comprehensive FY 2025-26 financial results through regulatory filings to BSE Limited.

Financial Performance

For FY 2025-26, the company reported strong growth with total income increasing 40.10% to ₹40.45 crore (vs ₹28.87 crore in FY24-25) and profit after tax rising 12.63% to ₹5.19 crore (vs ₹4.61 crore). Key financial metrics include:

  • Capital Adequacy Ratio: 23.37% (Tier I: 16.25%, Tier II: 7.12%)
  • Gross NPA: 0.36% with total ECL provisions of ₹99.08 lakhs
  • Loan Book: ₹19,207.36 lakhs with 86.1% secured exposure
  • Net Debt to Equity: 4.90 (Net Debt: ₹25,633.87 lakhs, Equity: ₹5,226.83 lakhs)
  • Total Assets: ₹32.15 crore vs ₹23.05 crore previous year

AGM Resolutions and Corporate Actions

Shareholders approved several key resolutions including:

  • Adoption of audited FY26 financial statements
  • Appointment of Mr. Angalappan Anandakumar as Managing Director for 5 years at ₹25 lakh P.A (with RBI approval dated 5 August 2026)
  • Re-appointment of Mrs. Padmini Ceruseri Srikanth and Mr. Somnath Sarkar as Directors
  • Increase in borrowing limit to ₹1,000 crore from ₹500 crore under Section 180(1)(c)
  • Material related-party transactions totaling ₹1,000 crore with Khivraj group entities

Risk Management and RBI Compliance

As an RBI-registered Non-Deposit taking NBFC, the company maintained robust risk management frameworks:

  • Credit Risk: Stage 1 ECL of 0.02%, Stage 2 at 9.70%, Stage 3 at 58.16%
  • Liquidity Risk: ₹336.16 lakhs in reserves with maturity analysis of liabilities
  • Interest Rate Risk: 25 bps increase would decrease profit by ₹8.09 lakhs
  • Investments: ₹12,501.41 lakhs in financial assets including ₹12,500 lakhs in Security Receipts (Level 3)

Corporate Governance and Disclosures

The Board comprised 5 directors with 8 meetings held during the year. The company reported:

  • Employee stock-based compensation expense of ₹60.39 lakhs
  • Gratuity obligation of ₹5.69 lakhs with 7.20% discount rate
  • 95.47% shares in dematerialized form with 54.12% promoter holding
  • No exposure to capital markets or foreign currency
  • Compliance with SEBI LODR Regulations and Companies Act requirements

Sectoral Exposure and Business Operations

The company's loan portfolio showed diversified exposure:

  • Financial institutional & lending: 24.5% (₹4,697.20 lakhs)
  • Retail loans: 13.5% (₹2,601.61 lakhs)
  • Real estate: ₹3,809.49 lakhs (Residential: ₹1,271.40 lakhs, Commercial: ₹2,538.09 lakhs)
  • Borrowings composition included ₹10,601.00 lakhs from related parties

The financial statements were approved by the Board of Directors on May 30, 2026, with unmodified audit opinions from statutory and secretarial auditors.