Real Touch Finance Limited's Board of Directors concluded its meeting on March 20, 2026, approving two major financial decisions that will impact the company's capital structure and asset portfolio. The board session, which commenced at 12:30 PM and concluded at 2:15 PM, addressed critical matters related to fundraising and asset management as communicated to BSE Limited.

Non-Convertible Debenture Issuance Approval

The board approved the proposal for issuing unlisted, secured, 9.50% redeemable non-convertible debentures (NCDs) worth ₹2.56 crore on a private placement basis. The debentures will be issued in one or more tranches, providing the company flexibility in its fundraising approach.

The NCDs will be secured by way of hypothecation of book debts, maintaining a security cover of at least 110%. The principal amount will be repaid on the redemption date, while interest payments will be made annually. The issuance follows SEBI's Master Circular guidelines and applicable listing regulations.

Receivable Write-off Decision

The board simultaneously approved the write-off of outstanding receivables amounting to ₹3.48 crore, classified as irrecoverable after thorough assessment by management and recommendations from the Audit Committee. These receivables were long-standing non-performing assets that had been classified as such in earlier periods.

Financial Impact and Management Assessment

The company's management indicated that this write-off represents a one-time adjustment with contained impact on overall profitability and net worth. The organization maintains adequate provisioning buffers and a comfortable capital position to absorb such losses without material adverse impact on capital adequacy or ongoing operations.

The write-off amount represents approximately 12.05% of the company's total turnover of ₹28.89 crore based on last audited financials, qualifying it as a material event under the company's Materiality Policy and SEBI regulations. Despite the write-off, the company will continue pursuing recovery efforts through legal and other appropriate channels where feasible.

Corporate Communication and Compliance

The decisions were communicated to BSE Limited through official correspondence signed by Company Secretary Varsha Gupta, maintaining transparency with stakeholders. Both decisions were made in compliance with applicable regulations, with comprehensive documentation including detailed annexures outlining the terms and conditions of the NCD issuance and the rationale behind the receivable write-off decision under Regulation 30 of SEBI (LODR) Regulations, 2015.

Real Touch Finance Limited has announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The Board of Directors approved these results at their meeting held on February 12, 2026, following recommendation from the Audit Committee pursuant to Regulation 33 of the SEBI Listing Regulations.

Quarterly Financial Performance

The company's financial performance for Q3 FY26 showed mixed results compared to the previous year. Total revenue from operations reached ₹871.59 lakhs, representing an increase from ₹759.13 lakhs in the corresponding quarter of the previous year.

Nine-Month Performance Analysis

For the nine months ended December 31, 2025, Real Touch Finance demonstrated strong operational performance. The company achieved total revenue from operations of ₹2556.36 lakhs compared to ₹2083.68 lakhs in the corresponding nine-month period of the previous year.

Expense Structure and Profitability

The company's expense profile showed significant variations during the quarter. Total expenses for Q3 FY26 amounted to ₹763.91 lakhs compared to ₹551.24 lakhs in Q3 FY25. Finance costs increased substantially to ₹546.25 lakhs from ₹370.98 lakhs in the previous year quarter. Employee benefit expenses rose to ₹107.38 lakhs from ₹86.88 lakhs, while impairment on financial instruments increased to ₹41.89 lakhs from ₹13.08 lakhs.

Earnings Per Share and Capital Structure

The company maintained its paid-up equity share capital at ₹1269.27 lakhs with a face value of ₹10.00 per share. Basic earnings per share for Q3 FY26 stood at ₹0.68 compared to ₹1.36 in Q3 FY25. For the nine-month period, basic EPS was ₹3.33 versus ₹3.10 in the corresponding period of the previous year.

Regulatory Compliance and Audit

The financial results have been prepared in accordance with Indian Accounting Standards (Ind AS) as prescribed under section 133 of the Companies Act, 2013. M/s G.S. Chugh & Associates, Chartered Accountants, conducted a limited review of the unaudited financial results. The auditors confirmed that nothing came to their attention suggesting the results were not prepared in accordance with applicable accounting standards or contained material misstatements.