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.

Real Touch Finance Limited , a non-banking financial company, has reported a significant shift in its financial performance and taken steps to address non-performing assets, according to its latest quarterly results and board meeting outcome.

Financial Performance

The company reported a net loss of ₹486.41 lakhs for the quarter, marking a substantial downturn from the profit of ₹308.56 lakhs recorded in the previous period. This shift underscores the challenges faced by Real Touch Finance in the current financial landscape.

Write-Off of Bad Debts

In a strategic move to clean up its balance sheet, Real Touch Finance's Board of Directors has approved the write-off of ₹2.22 crore in outstanding receivables. This decision was made after a thorough evaluation by the management and recommendations from the Audit Committee. The write-off represents approximately 7.68% of the company's total turnover, which stands at ₹28.89 crores based on the last audited financials.

Impact and Future Actions

Real Touch Finance has stated that the write-off will not have any additional material impact on its financial position or operations. This is due to adequate provisions that were already in place for these non-performing assets. Despite the write-off, the company has expressed its intention to continue pursuing recovery through legal channels where feasible.

Key Details of the Write-Off

The company's decision to write off these bad debts aligns with its commitment to maintaining transparency and adhering to regulatory norms. As per the disclosure, this action is in compliance with Regulation 30 of SEBI (LODR) Regulations, 2015.

Real Touch Finance's proactive approach in addressing non-performing assets, while potentially impacting short-term results, may be seen as a step towards improving the overall health of its loan portfolio. However, the shift from profit to loss in the quarterly results suggests that the company may face ongoing challenges in the current economic environment.

Investors and stakeholders will likely be watching closely to see how these measures impact the company's performance in the coming quarters and whether they lead to improved financial health in the long term.