Capital India Finance Limited reported mixed quarterly results for Q3FY26, with the company posting a net loss despite achieving notable revenue growth during the quarter ended December 31, 2025.

Financial Performance Overview

The Non-Banking Financial Company registered a net loss of ₹41.84 lakhs for Q3FY26, marking a significant decline from the net profit of ₹292.19 lakhs recorded in Q3FY25. However, the company demonstrated resilience in revenue generation, with total revenue from operations growing 19.44% to ₹6,249.88 lakhs compared to ₹5,231.18 lakhs in the corresponding quarter last year.

Revenue Drivers and Segment Performance

Interest income emerged as the primary growth driver, increasing 28.77% to ₹5,143.53 lakhs from ₹3,994.40 lakhs in Q3FY25. The company's lending business segment generated revenue of ₹5,699.81 lakhs, while the forex business contributed ₹651.83 lakhs during the quarter.

Fees and commission income rose to ₹420.14 lakhs compared to ₹378.97 lakhs in the previous year quarter. Income from foreign exchange services increased to ₹302.27 lakhs from ₹241.70 lakhs, reflecting improved operational performance across business verticals.

Nine-Month Performance Highlights

Despite the quarterly loss, Capital India Finance maintained strong performance for the nine-month period ended December 31, 2025. The company reported a net profit of ₹3,739.30 lakhs for the nine-month period, substantially higher than ₹1,064.69 lakhs in the corresponding period of the previous year.

Expense Management and Operational Metrics

Total expenses for Q3FY26 increased significantly to ₹6,471.61 lakhs from ₹4,879.60 lakhs in Q3FY25. Finance costs rose to ₹2,197.32 lakhs, while employee benefits expenses increased to ₹1,971.02 lakhs. The company reported impairment of financial instruments at ₹214.83 lakhs during the quarter.

The company's earnings per share for Q3FY26 stood at (₹0.01) on both basic and diluted basis, compared to ₹0.08 in the corresponding quarter last year. For the nine-month period, basic earnings per share improved to ₹0.96 from ₹0.27 in the previous year.

Regulatory Compliance and Capital Position

Capital India Finance Limited operates as a Non-Deposit taking Non-Banking Financial Company registered with the Reserve Bank of India and classified as NBFC - Middle Layer under Scale Based Regulations. The company maintains strong capital adequacy with a Capital to Risk-Weighted Assets Ratio of 45.88%, well above regulatory requirements.

The company's Net Worth stood at ₹66,510.15 lakhs for the nine-month period, with Gross Non-Performing Assets at 2.44% and Net Non-Performing Assets at 1.39% of the loan portfolio, indicating healthy asset quality management.

Source:

Capital India Finance Limited has successfully completed the appointment of Mr. Surender Rana (DIN: 10315624) as Wholetime Director, designated as Executive Vice Chairman, through a postal ballot process. The appointment was approved with overwhelming shareholder support and has been formally disclosed to stock exchanges in compliance with SEBI regulations.

Appointment Details and Term

The shareholders approved Mr. Rana's appointment for a term of 3 consecutive years commencing from November 18, 2025, with liability to retire by rotation. The appointment was ratified through a special resolution passed on February 12, 2026, following the completion of the postal ballot voting process.

Professional Background and Expertise

Mr. Rana brings extensive banking experience with over 34 years of distinguished service at the State Bank of India (SBI), India's largest commercial bank. He culminated his career at SBI as Deputy Managing Director – SME & Agri Business, where he successfully led diverse functional areas and drove strategic initiatives.

Voting Results and Shareholder Participation

The postal ballot achieved remarkable shareholder participation with 90.79% of total shares participating in the voting process. Out of 39,10,56,300 total shares, 35,50,21,298 votes were polled, with 35,50,21,268 votes in favor and only 30 votes against, resulting in 100.00% approval rate.

Regulatory Compliance and Process

The postal ballot was conducted entirely through remote e-voting in compliance with the Companies Act, 2013, and SEBI Listing Regulations. The voting period ran from January 14, 2026, to February 12, 2026, with KFin Technologies Limited serving as the e-voting service provider. The company has disclosed the appointment to BSE and NSE under Regulations 30 and 51 of SEBI Listing Regulations.