India Finsec
INDIAFINSECLTD NSE
India Finsec
Financial ServicesNSE: INDIAFINSECLTD BSE: 535667 NBFC
Key Fundamentals
MicrocapNBFCFinancial ServicesMarket Cap
₹689 Cr
Volatility
Moderate
P/E Ratio
29.7
EBITDA
₹63.72 Cr
Return on Equity
11.27%
Debt to Equity
2.13
Book Value
₹26.95
EPS
₹4.53
52W High
₹284.95
52W Low
₹140.1
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
2- Company is expected to give good quarter
- Company has delivered good profit growth of 33.7% CAGR over last 5 years
Weaknesses
6- Stock is trading at 5.63 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Company has a low return on equity of 12.6% over last 3 years.
- Promoters have pledged 84.2% of their holding.
- Working capital days have increased from 1,052 days to 1,958 days
Growth Rate
Revenue Growth
17% lower than
3Y
Net Income Growth
19.83% lower than
3Y
Cash Flow Change
-87.24% lower than
3Y
ROE
0.99% lower than
3Y
ROCE
1.93% lower than
3Y
EBITDA Margin (Avg.)
3.27% lower than
3Y
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 14.94 | 15.86 | 16.19 | 16.7 | 16.55 | 18.03 | 18.53 | 18.05 | 18.58 | 20.17 | 21.59 | 24.41 | 28.55 |
| Expenses | 4.67 | 5.71 | 5.79 | 6.46 | 5.13 | 4.88 | 5.3 | 4.77 | 4.54 | 4.94 | 5.09 | 5.83 | 6.04 |
| Financing Profit | 4.55 | 4.34 | 4.33 | 4.51 | 5.8 | 6.65 | 6.74 | 6.61 | 7.56 | 8.15 | 7.82 | 7.62 | 9.44 |
| Fin. Margin % | 30.46% | 27.36% | 26.74% | 27.01% | 35.05% | 36.88% | 36.37% | 36.62% | 40.69% | 40.41% | 36.22% | 31.22% | 33.06% |
| Other Income | 0 | 0.21 | 0.19 | 0.04 | 0.55 | 0.05 | 0.07 | 0.1 | 0.12 | 0.28 | -0.11 | 1.04 | 0.74 |
| Interest | 5.72 | 5.81 | 6.07 | 5.73 | 5.62 | 6.5 | 6.49 | 6.67 | 6.48 | 7.08 | 8.68 | 10.96 | 13.07 |
| Depreciation | 0.5 | 0.51 | 0.53 | 0.56 | 0.52 | 0.66 | 0.69 | 0.71 | 0.65 | 0.74 | 0.77 | 0.93 | 0.77 |
| PBT | 4.05 | 4.04 | 3.99 | 3.99 | 5.83 | 6.04 | 6.12 | 6 | 7.03 | 7.69 | 6.94 | 7.73 | 9.41 |
| Tax % | 28.4% | 27.48% | 23.81% | 17.04% | 24.7% | 25.33% | 24.67% | 23.67% | 23.61% | 27.83% | 27.23% | 26.13% | 26.89% |
| Net Profit | 2.9 | 2.93 | 3.03 | 3.31 | 4.39 | 4.51 | 4.61 | 4.57 | 5.35 | 5.54 | 5.05 | 5.72 | 6.89 |
| EPS in Rs | 0.75 | 0.72 | 0.72 | 1.33 | 1.1 | 1.13 | 0.69 | 1.12 | 1.3 | 1.35 | 1.21 | 1.39 | 1.68 |
Profit & Loss
| Particulars | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8 | 9 | 7 | 10 | 18 | 18 | 24 | 45 | 64 | 72 | 85 | 95 |
| Expenses | 6 | 7 | 5 | 7 | 9 | 6 | 12 | 21 | 23 | 19 | 20 | 22 |
| Financing Profit | 1 | 2 | 2 | 3 | 4 | 7 | 6 | 8 | 18 | 26 | 31 | 33 |
| Fin. Margin % | 13% | 27% | 24% | 27% | 24% | 37% | 27% | 17% | 28% | 37% | 37% | 35% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 1 | 2 |
| Interest | 1 | 0 | 0 | 1 | 5 | 5 | 6 | 17 | 23 | 26 | 33 | 40 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 0 | 2 | 2 | 2 | 3 | 3 | 3 |
| PBT | 1 | 2 | 2 | 3 | 4 | 6 | 5 | 6 | 16 | 24 | 29 | 32 |
| Tax % | 31% | 29% | 26% | 23% | 31% | 23% | 25% | 28% | 24% | 24% | 26% | — |
| Net Profit | 1 | 2 | 2 | 2 | 3 | 5 | 4 | 5 | 12 | 18 | 22 | 23 |
| EPS in Rs | 0.24 | 0.69 | 0.76 | 0.73 | 0.71 | 1.44 | 2.06 | 1.23 | 3.06 | 4.03 | 5.27 | 5.63 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
| Particulars | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 29 | 29 |
| Reserves | 17 | 19 | 20 | 22 | 24 | 28 | 33 | 36 | 43 | 85 | 100 |
| Borrowing | 0 | 0 | 0 | 39 | 37 | 51 | 85 | 170 | 190 | 198 | 401 |
| Other Liabilities | 2 | 0 | 1 | 7 | 13 | 20 | 37 | 48 | 45 | 51 | 60 |
| Total Liabilities | 44 | 44 | 47 | 93 | 98 | 123 | 180 | 279 | 304 | 363 | 590 |
| Fixed Assets | 0 | 0 | 0 | 0 | 2 | 3 | 10 | 9 | 9 | 13 | 16 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2 | 1 | 2 | 4 | 4 | 11 | 3 | 1 | 0 | 0 | 0 |
| Other Assets | 42 | 42 | 44 | 89 | 93 | 109 | 168 | 269 | 295 | 350 | 575 |
| Total Assets | 44 | 44 | 47 | 93 | 98 | 123 | 180 | 279 | 304 | 363 | 590 |
Cash Flow
| Particulars | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -1 | 10 | 0 | -41 | -3 | -5 | -42 | -90 | -15 | -29 | -121 |
| Investing | -1 | 0 | 0 | -3 | -1 | -8 | -1 | 0 | 0 | 3 | -4 |
| Financing | 1 | 0 | 1 | 43 | -2 | 14 | 40 | 92 | 13 | 36 | 170 |
| Net Cash Flow | -1 | 10 | 0 | -1 | -6 | 1 | -2 | 2 | -2 | 10 | 45 |
| Free Cash Flow | -1 | 10 | -1 | -42 | -4 | -7 | -51 | -91 | -16 | -32 | -127 |
| CFO/OP | -45 | 418 | 13 | -1,153 | -12 | -28 | -332 | -358 | -28 | -46 | -188 |
Ratios
| Particulars | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 1% | 4% | 4% | 4% | 4% | 7% | 9% | 5% | 12% | 13% | 13% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view India Finsec insights
53 extracted metrics + investor summaries across FY11–FY26.
Documents
1
Compliances-Reg.24(A)-Annual Secretarial Compliance
10h - Annual Secretarial Compliance Report for FY 2025-26 filed under Regulation 24A. 10h - Annual Secretarial Compliance Report for FY 2025-26 filed under Regulation 24A.
2
Board Meeting Intimation for Intimation Of Board Meeting Pursuant To Regulation 29 & 33 Of SEBI (LODR) Regulations, 2015
2d - Board meets on 14 May 2026 to approve audited standalone and consolidated FY26 results. 2d - Board meets on 14 May 2026 to approve audited standalone and consolidated FY26 results.
5
Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A
22 Apr - India Finsec confirms it is not a large corporate for FY ended 31 March 2026. 22 Apr - India Finsec confirms it is not a large corporate for FY ended 31 March 2026.
Frequently Asked Questions about India Finsec
What does India Finsec Ltd do?
Incorporated in 1994, India FinSec Ltd is in the business of loans and investments[1]
Where is India Finsec Ltd (535667) listed?
India Finsec Ltd trades as INDIAFINSECLTD on the NSE and under code 535667 on the BSE.
Which sector does India Finsec Ltd belong to?
India Finsec Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of India Finsec Ltd?
India Finsec Ltd has a market capitalisation of ₹689.4 Cr, which places it in the Small Cap band.
What is the PE ratio of India Finsec Ltd?
India Finsec Ltd trades at a PE ratio of 29.70, on earnings per share of ₹4.53, against a book value of ₹26.95 per share.
What is the 52-week high and low of India Finsec Ltd?
Over the last 52 weeks India Finsec Ltd has traded between ₹140.1 and ₹284.95.
What is the Return on Equity (ROE) of India Finsec Ltd?
India Finsec Ltd reported a return on equity of 11.27%. Its debt-to-equity ratio is 2.13.
Company Information
Incorporated in 1994, India FinSec Ltd is in the business of loans and investments[1]
For AI agents and developers
Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/535667.md for India Finsec Ltd: company profile, latest price, key fundamentals, the Tapetide Score, growth rates, quarterly and annual financial statements, shareholding pattern, technical indicators, analyst ratings and exchange filings.
Append .md to any Tapetide URL for the
same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For live,
structured queries instead of documents, use our MCP server.