Capfin India Limited Reports Net Loss of ₹4.59 Lakhs in Q3FY26
Capfin India Limited reported a net loss of ₹4.59 lakhs for Q3FY26 versus a profit of ₹7.02 lakhs in Q3FY25, with revenue from operations declining to ₹5.99 lakhs from ₹7.47 lakhs year-on-year. For the nine-month period, the company posted a net loss of ₹32.81 lakhs compared to a profit of ₹49.42 lakhs in the previous year. Total expenses increased significantly to ₹12.12 lakhs in Q3FY26 from ₹1.38 lakhs in Q3FY25, driven by employee costs and fees & commission expenses. The Board approved these unaudited results on January 23, 2026, with statutory auditors providing an unqualified review report.
*this image is generated using AI for illustrative purposes only.
Capfin India Limited has announced its unaudited financial results for the quarter and nine months ended December 31, 2025, revealing a challenging performance with the company reporting a net loss of ₹4.59 lakhs for the third quarter compared to a profit of ₹7.02 lakhs in the corresponding quarter of the previous year.
Financial Performance Overview
The company's quarterly performance showed a marked deterioration across key metrics. Revenue from operations declined to ₹5.99 lakhs in Q3FY26 from ₹7.47 lakhs in Q3FY25, representing a significant decrease in business activity.
| Metric | Q3FY26 | Q3FY25 | Change |
|---|---|---|---|
| Revenue from Operations | ₹5.99 lakhs | ₹7.47 lakhs | Decline |
| Total Income | ₹5.99 lakhs | ₹8.40 lakhs | Decline |
| Net Profit/(Loss) | (₹4.59 lakhs) | ₹7.02 lakhs | Loss |
| Basic EPS | (₹0.16) | ₹0.25 | Decline |
Nine-Month Performance Analysis
The nine-month period ending December 31, 2025, presented an even more concerning picture for the financial services company. Total revenue from operations reached ₹17.90 lakhs compared to ₹86.03 lakhs in the corresponding nine-month period of the previous year.
| Parameter | 9M FY26 | 9M FY25 | Variance |
|---|---|---|---|
| Revenue from Operations | ₹17.90 lakhs | ₹16.54 lakhs | Increase |
| Interest Income | Nil | ₹69.49 lakhs | Significant decline |
| Total Revenue | ₹17.90 lakhs | ₹86.03 lakhs | Major decline |
| Net Loss | (₹32.81 lakhs) | ₹49.42 lakhs profit | Turnaround to loss |
Expense Structure and Operational Metrics
The company's expense profile showed significant changes during the quarter. Total expenses increased to ₹12.12 lakhs in Q3FY26 from ₹1.38 lakhs in Q3FY25. Key expense components included:
- Employee benefit expenses: ₹3.25 lakhs (compared to nil in Q3FY25)
- Fees & Commission expenses: ₹4.87 lakhs (new expense category)
- Impairment of Financial Instruments: ₹0.66 lakhs
- Other expenses: ₹3.26 lakhs (increased from ₹1.38 lakhs)
Corporate Governance and Compliance
The Board of Directors of Capfin India Limited convened on January 23, 2026, from 4:16 PM to 4:41 PM IST to approve the unaudited financial results. The results were reviewed and recommended by the Audit Committee before board approval. The company's statutory auditors, Mehra Goel and Company, issued a limited review report with no qualifications for the quarter and nine months ended December 31, 2025.
Share Capital and Earnings Per Share
The company maintained its paid-up equity share capital at ₹293.82 lakhs, with each equity share having a face value of ₹10.00. The basic and diluted earnings per share for Q3FY26 stood at negative ₹0.16 compared to positive ₹0.25 in Q3FY25. For the nine-month period, the EPS declined to negative ₹1.12 from positive ₹1.73 in the corresponding period of the previous year.
Capfin India Limited, engaged in financial lending as its primary business segment, operates from its registered office in Pune, Maharashtra. The company's results reflect the challenges faced in its core lending operations during the reported period.
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