Capital India Finance has crossed the ₹1,200 crore asset under management (AUM) in FY26 as the company continued to strengthen its secured MSME lending business through distribution expansion, technology-led execution and strategic balance sheet recalibration.
The company’s AUM stood at ₹1,227 crore as of March-end, reflecting 22 per cent y-o-y growth, while disbursements increased 62 per cent y-o-y to ₹754 crore during the year.
CIFL also expanded its branch and distribution network from 29 to 46 locations as part of its scale-up strategy across key markets.
Surender Rana, Executive Vice Chairman, CIFL said last fiscal was strategic recalibration as the company sharpened focus on secured MSME and retail lending.
The balance sheet was strengthened through the divestment of CIHL, distribution network was enhanced and employee base increased to support continued growth, he said.
Pinank Shah, Chief Executive Officer, CIFL said the focus on secured and granular lending helped to build a scalable and disciplined lending franchise.
“We are seeing improved traction across our core business segments. The next phase of growth hinges on of prudent risk management, technology-led execution and a stronger liability profile, he added.
During FY26, CIFL maintained Capital Adequacy Ratio (CAR) at 41 per cent and Net NPA at 1.32 per cent. It raised ₹600 crore in debt, including listed NCD issuances, supported by participation from both existing and new lenders. As part of its strategic realignment, the company divested Capital India Home Loans for ₹267 crore to sharpen focus on its core lending franchise and improve capital allocation efficiency.
The company’s fintech subsidiary Rapipay Fintech also reported operational improvement in FY26, achieving EBITDA positivity and reducing losses compared to the previous year.
On the financial performance front, CIFL reported net profit of ₹40 crore in FY26, while total revenue rose 11 per cent y-o-y to ₹230 crore.
Published on May 21, 2026