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Real Touch Finance

538611 BSE
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Real Touch Finance (RTFL) share price was ₹32.23 at the 28 Oct 2026 close; market capitalisation ₹40.90 Cr; P/E (TTM) 8.18; sector Financial Services. The share price fell 35.5% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Jun 2026 quarter, revenue rose 5.5% year on year to ₹8.63 Cr and net profit fell 13.4% year on year to ₹1.16 Cr (compared with Jun 2025). Promoters held 54.12% of Real Touch Finance in Sep 2026, unchanged from Jun 2026. Its Tapetide Score is 55/100 (Good) as of 28 Oct 2026.

Close 28 Oct 2026 ₹32.23 −17.72 −35.48% 1Y

Key Fundamentals

MicrocapFinanceFinancial Services
Market Cap
₹40.90 Cr
P/E (TTM)
8.18
EBITDA
₹27.80 Cr
Return on Equity
9.93%
Debt to Equity
4.91
Book Value
₹41.18
EPS (TTM)
₹3.94
52W High
₹64.80
52W Low
₹32.23

Price-based figures as of 28 Oct 2026, 15:30 IST · EPS basis: Standalone · TTM

Peer Comparison

Financial Services › Other Financial Services

CRISIL
₹4,691.9038.8034,312 Cr10.490.77%25.25%31.04%4,420 Cr884 Cr
RRP Semiconductor
——10,960 Cr1,266.830.00%-85.77%-48.08%-7 Cr-8 Cr
OnEMI Technology Solutions
₹316.908.735,618 Cr2.140.00%20.96%32.93%2,420 Cr317 Cr
Colab Platforms
—515.002,521 Cr—0.02%0.00%0.00%174 Cr5 Cr
Algoquant Fintech
₹76.1547.892,141 Cr15.930.00%24.84%28.77%259 Cr45 Cr
Real Touch Finance (this company)
—8.1841 Cr0.780.00%9.93%9.01%41 Cr5 Cr
Asset Reconstruction Company (India)
₹129.20————————
GYFTR
₹158.99————————
Median 8 companies₹158.9938.804,070 Cr10.490.00%15.45%18.89%217 Cr25 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

55 Good
Overall score

Data confidence 100/100

Category scores

Quality Strong 78
Returns, margins, earnings quality 22% weight
Valuation Strong 74
Cheap vs sector & own history 24% weight
Growth Good 59
Sales & profit trajectory 9% weight
Financial Health Poor 18
Solvency, leverage, coverage 9% weight
Momentum Poor 7
Trend strength, vol-adjusted 12% weight
Ownership Average 50
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Stock is trading at 0.86 times its book value
  • Company has delivered good profit growth of 29.2% CAGR over last 5 years

Weaknesses

3
  • 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 9.23% over last 3 years.

Technical Indicators

Oscillators

Bullish

Bearish
2
Neutral
4
Bullish
3

Overall

Bearish

Bearish
12
Neutral
4
Bullish
3

Moving Averages

Bearish

Bearish
10
Neutral
0
Bullish
0

Growth Rate

Revenue Growth
39.79% lower than 3Y

change over 1 year

Net Income Growth
13.04% lower than 3Y

change over 1 year

Cash Flow Change
228%

change over 1 year

EBITDA Margin Change
-1.42%

change over 1 year Operating margin 84.36% · Jun 2026

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales
4.66
5.12
5.2
3.8
6.42
6.82
7.59
7.83
8.18
8.67
8.72
11.32
8.63
Expenses
1.2
2.43
1.62
0.09
1.62
1.81
1.73
3.54
2.32
4.4
2.12
3.78
1.35
Operating Profit
3.46
2.69
3.58
3.71
4.8
5.01
5.86
4.29
5.86
4.27
6.6
7.54
7.28
OPM %
74.25%
52.54%
68.85%
97.63%
74.77%
73.46%
77.21%
54.79%
71.64%
49.25%
75.69%
66.61%
84.36%
Other Income
0
0
0.05
0.06
0.01
0.03
0.07
0.1
0.06
2.49
0.07
0.95
0.01
Interest
2.09
1.76
2.19
3.32
3.35
3.41
3.71
3.73
4.07
4
5.46
6.39
5.85
Depreciation
0.06
0.05
0.07
0.08
0.06
0.07
0.07
0.09
0.05
0.06
0.07
0.07
0.04
PBT
1.31
0.88
1.37
0.37
1.4
1.56
2.15
0.57
1.8
2.7
1.14
2.03
1.4
Tax %
30.53%
61.36%
37.96%
-43.24%
25%
25%
20%
-19.3%
25%
25.19%
25.44%
52.22%
17.14%
Net Profit
0.91
0.34
0.86
0.53
1.04
1.17
1.72
0.68
1.34
2.02
0.86
0.97
1.16
EPS (₹)
0.72
0.27
0.68
0.42
0.82
0.92
1.36
0.54
1.06
1.59
0.68
0.76
0.91
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales
0.91
0.73
0.83
0.45
1.82
1.88
2.27
2.36
10.39
18.74
28.86
40.39
37.34
Expenses
0.23
0.09
0.17
0.26
0.29
0.3
0.33
0.46
2.15
5.26
8.62
12.52
11.65
Operating Profit
0.68
0.64
0.66
0.19
1.53
1.58
1.94
1.9
8.24
13.48
20.24
27.87
25.69
OPM %
74.73%
87.67%
79.52%
42.22%
84.07%
84.04%
85.46%
80.51%
79.31%
71.93%
70.13%
69%
68.8%
Other Income
0
0
0
0
0
0
0
0.05
0
0.15
0.01
0.06
3.52
Interest
0.01
0
0
0
0
0
0
0
4.45
9.44
14.29
20
21.7
Depreciation
0
0
0
0
0
0
0
0
0.06
0.26
0.29
0.25
0.24
PBT
0.67
0.64
0.66
0.19
1.53
1.58
1.94
1.95
3.73
3.93
5.67
7.68
7.27
Tax %
26.87%
39.06%
34.85%
121.05%
26.8%
27.85%
25.77%
25.64%
29.76%
32.82%
18.69%
32.29%
—
Net Profit
0.49
0.39
0.43
-0.04
1.11
1.14
1.44
1.45
2.62
2.63
4.61
5.19
5.01
EPS (₹)
0.39
0.31
0.34
-0.03
0.87
0.9
1.13
1.14
2.06
2.07
3.63
4.09
3.94
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
12.69
12.69
12.69
12.69
12.69
12.69
12.69
12.69
12.69
12.69
12.69
12.69
Reserves
17.97
18.36
18.79
18.64
19.68
20.8
22.25
23.77
26.5
29.14
34.36
39.58
Borrowings
0
0
0
0
0
0
0
0
89.02
139
165
257
Other Liabilities
0.25
0.44
0.8
0.53
0.21
0.23
0.68
0.41
2.46
11.22
18.97
12.74
Total Liabilities
30.91
31.49
32.28
31.86
32.58
33.72
35.62
36.87
131
193
231
322
Fixed Assets
0
0
0
0
0
0
0
0.03
0.6
0.65
0.61
0.53
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
1.06
0.72
1.44
0.11
0.07
1.35
1.35
1.39
1.43
0.01
0.01
125
Other Assets
29.85
30.77
30.84
31.75
32.51
32.37
34.27
35.45
129
192
230
196
Total Assets
30.91
31.49
32.28
31.86
32.58
33.72
35.62
36.87
131
193
231
322
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
0.47
-0.74
0.76
-1.29
-0.76
-3.08
-4.89
0.42
-87.24
-49.72
-26.07
33.42
Investing
-0.09
0.34
-0.72
1.33
2.05
1.7
4.94
-0.03
-1.62
1.15
-0.01
-127
Financing
0
0
0
0
0
0
0
0
89.01
50.43
25.06
91.99
Net Cash Flow
0.38
-0.4
0.03
0.04
1.28
-1.38
0.05
0.39
0.15
1.86
-1.01
-1.3
Free Cash Flow
0.47
-0.74
0.76
-1.29
-0.76
-3.08
-4.89
0.42
-87.87
-50.03
-26.32
33.25
CFO/OP
75
-112
180
-679
-34
-168
-244
71
-1,042
-362
-123
128
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days
0
0
0
0
0
0
0
0
0.35
0.78
0
0
Cash Conversion Cycle
0
0
0
0
0
0
0
0
0.35
0.78
0
0
Working Capital Days
7,709
10,180
8,808
17,171
1,570
934
-93.26
12.37
-67.45
-217
-239
-115
ROCE %
2.24%
2.07%
2.11%
0.6%
4.8%
4.8%
5.67%
5.46%
9.94%
8.64%
10.16%
10.64%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Real Touch Finance insights

58 extracted metrics + investor summaries across FY03–FY27.

Shareholding Pattern

DIIs0.03%Promot.54.12%Public14.17%Others31.68%As ofSep 2026

Documents

1
Concall - Mar 2024 Mar 2024
2
Concall - Nov 2023 Nov 2023
3
Concall - Aug 2023 Aug 2023
4
Concall - Jun 2023 Jun 2023
5
Concall - Feb 2023 Feb 2023

Frequently Asked Questions about Real Touch Finance

What does Real Touch Finance Ltd. do?
Incorporated in 1984, Real Touch Finance Ltd is in the business of offering various types of loans.[1]
Where is Real Touch Finance Ltd. (RTFL) listed?
Real Touch Finance Ltd. trades under code 538611 on the BSE.
Which sector does Real Touch Finance Ltd. belong to?
Real Touch Finance Ltd. is classified under the Financial Services sector, in the Other Financial Services industry.
What is the market capitalisation of Real Touch Finance Ltd.?
Real Touch Finance Ltd. has a market capitalisation of ₹40.9 Cr as of 28 Oct 2026, which places it in the Small Cap band.
What is the PE ratio of Real Touch Finance Ltd.?
Real Touch Finance Ltd. trades at a PE ratio of 8.18 as of 28 Oct 2026, on earnings per share of ₹3.94, against a book value of ₹41.18 per share.
What is the 52-week high and low of Real Touch Finance Ltd.?
Over the last 52 weeks Real Touch Finance Ltd. has traded between ₹32.23 and ₹64.8 as of 28 Oct 2026.
What is the Return on Equity (ROE) of Real Touch Finance Ltd.?
Real Touch Finance Ltd. reported a return on equity of 9.93%. Its debt-to-equity ratio is 4.91.

Company Information

Incorporated in 1984, Real Touch Finance Ltd is in the business of offering various types of loans.[1]

Website realtouchfinance.com
Face Value ₹ 10
Shares Outstanding 1,26,89,076

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