CSL Finance Limited has demonstrated continued growth momentum with its Assets Under Management (AUM) reaching ₹1,450 crore by March 2026, representing a robust 21.13% year-on-year growth from ₹1,197 crore in March 2025. The company maintains strong capitalization with a Capital Adequacy Ratio (CAR) of 44% and holds a substantial liquidity surplus of ₹108 crore.

Latest Business Performance and Growth Metrics

CSL Finance has achieved significant expansion across its business segments, with the latest quarterly data showing strong operational performance:

The company's collections performance remained robust with ₹93 crore in SME and ₹905 crore in WSL segments during the year, while quarterly collections of ₹352 crore exceeded disbursements of ₹300 crore.

Expanded Lender Network and Funding Growth

CSL Finance has significantly strengthened its funding partnerships, onboarding six new lenders during FY26. The expanded network now includes Karur Vysya Bank, Paul Merchants Bank, City Union Bank, SBM Bank (India) Ltd, Punjab & Sindh Bank, and Bank of Baroda, bringing the total lender count to 35 institutions.

The company secured fresh sanctions of ₹82 crore from four lenders, including one new lender, in the current quarter, demonstrating continued confidence from financial institutions.

Portfolio Mix and Strategic Focus

The portfolio composition remained stable at 69:31 (WSL:SME) as of March 2026, unchanged from December 2025. This strategic positioning reflects the company's prudent approach amid microeconomic headwinds affecting the MSME sector across the industry.

Strong Financial Performance Track Record

CSL Finance has consistently demonstrated robust operational and financial performance. The company's historical profitability metrics showed healthy improvement:

Credit Rating and Operational Infrastructure

CSL Finance has received comprehensive credit rating actions from Acuite Ratings & Research on its banking facilities and debt instruments totaling ₹1,150 crore, with ACUITE A- stable ratings across various facilities. The company operates through 44 operational branches with a team strength of 469 employees.

CSL Finance Limited, incorporated on December 28, 1992, operates as a Non-Banking Finance Company registered with the Reserve Bank of India. The New Delhi-based company serves as a comprehensive financial solutions provider for Small and Medium-Sized Enterprises (SMEs) and real estate and non-real estate corporates, led by Mr. Rohit Gupta, who also serves as the promoter.

CSL Finance Limited has received board approval for the private issuance of Non-Convertible Debentures (NCDs) worth ₹150 crore. The board meeting held on March 18, 2026, formally approved this significant capital raising initiative under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Board Meeting Outcome

The Board of Directors, in their meeting that commenced at 12:30 p.m. and concluded at 01:30 p.m., approved the issuance of non-convertible debentures of various types on a private placement basis. The company has been authorized to issue these instruments in one or more tranches or series up to an aggregate limit of ₹150 crore.

Regulatory Compliance and Listing

The NCD issuance has been structured to comply with SEBI Master Circular No. SEBI/HO/CFD/PoD2/CIR/P/0155 dated November 11, 2024. The company plans to list these debentures on BSE Limited, providing liquidity options for investors.

Strategic Capital Structure

The board has authorized the Management Committee, constituted on February 12, 2020, to finalize and approve all relevant documents necessary for the NCD issuance. This delegation enables efficient execution of the fund raising process while maintaining proper governance oversight.

The flexible structure allows CSL Finance to determine specific terms including tenure, coupon rates, security arrangements, and redemption schedules for each tranche based on market conditions and investor requirements. This strategic approach to debt capital raising demonstrates the company's commitment to diversifying its funding sources through institutional debt markets.