Capital India Finance Appoints Executive Vice Chairman, Reports Q2 Results
Filing Summary
Capital India Finance Limited has appointed Mr. Surender Rana as Executive Vice Chairman, effective November 18, 2025, for a three-year term. The company reported its Q2 FY 2025-26 financial results, highlighting an 11.43% increase in Assets Under Management (AUM) to ₹ 1024 Crore. Standalone Profit Before Tax (PBT) was ₹ 44 Crore, and Profit After Tax (PAT) was ₹ 38 Crore. The company divested its housing finance subsidiary for ₹ 267 Crore. Disbursements for Q2 reached ₹ 156 Crore, a 45% year-on-year increase. The company raised ₹ 193 Crore in funds during H1 FY 2026.
Capital India Finance Limited has announced the appointment of Mr. Surender Rana as the Executive Vice Chairman. Mr. Rana, previously the Deputy Managing Director at State Bank of India, will serve a three-year term starting November 18, 2025, pending shareholder approval. The announcement coincides with the release of the company’s Q2 FY 2025-26 financial results.
The financial results for Q2 FY 2025-26 show an increase in Assets Under Management (AUM) to ₹ 1024 Crore, marking an 11.43% rise from the previous year. The company’s Standalone Profit Before Tax (PBT) for the first half of the fiscal year was ₹ 44 Crore, while the Profit After Tax (PAT) stood at ₹ 38 Crore. The company reported a Net Non-Performing Asset (NPA) ratio of 0.98% and a Gross NPA ratio of 1.70% as of September 30, 2025. The Capital Adequacy Ratio (CRAR) was recorded at 51.24%, and the Debt-to-Equity Ratio was 1.03x. The company’s Net Worth was ₹ 662 Crore.
Operationally, Capital India Finance Limited divested its housing finance subsidiary, Capital India Home Loans Limited, for ₹ 267 Crore. This move is intended to sharpen the company’s focus on its core lending operations. The company’s disbursements for Q2 FY 2025-26 amounted to ₹ 156 Crore, reflecting a 27% quarter-on-quarter increase and a 45% year-on-year increase. Total disbursements for the first half of the fiscal year reached ₹ 278 Crore, up 41% compared to the previous year.
In terms of funding, the company introduced a new source of funds through Non-Convertible Debentures (NCDs) worth ₹ 50 Crore during Q2 FY 2025-26. The total funds raised during the first half of the fiscal year amounted to ₹ 193 Crore. As of September 30, 2025, the company’s outstanding debt was ₹ 685 Crore, sourced from a diversified base of 23 lenders.
The board meeting held on November 14, 2025, was pivotal in announcing these financial results and the strategic appointment of Mr. Rana. The company’s focus remains on expanding its MSME financing operations while maintaining strong capitalisation and disciplined growth.
Capital India Finance Limited is a non-deposit taking Middle Layer NBFC registered with the Reserve Bank of India. The company provides customized credit solutions to micro, small, and medium enterprises, professionals, and retail customers. It combines strong underwriting expertise with a phygital operating model to serve underserved segments with high-quality credit solutions.