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CSL Finance Sets Sep 12, 2026 Record Date for ₹10/Share (100%) Final Dividend
CSL Finance Limited has fixed September 12, 2026, as the record date for determining shareholder entitlement to a final dividend of ₹10.00 per equity share (100% on ₹10 face value) for FY26. At the current share price of ₹228.10, this payout translates to a dividend yield of approximately 4.38%. The 34th Annual General Meeting (AGM) to approve the dividend is scheduled for September 19, 2026. The AGM agenda also includes the re-appointment of Managing Director Rohit Gupta for a 5-year term at ₹84 lakh annual remuneration and approval of material related-party transactions.
Confidence: HIGH
What changedCSL Finance has formally notified the record date (Sep 12, 2026) and issued the notice for its 34th AGM to declare the ₹10 per share final dividend.
Why it mattersProvides a sizeable cash return to shareholders with a ~4.38% dividend yield, funded out of FY26 net profit of ₹85 Cr.
Dividend per share: ₹10.00Dividend yield: ~4.38%Record date: 12-Sep-2026AGM date: 19-Sep-2026Proposed MD Remuneration: ₹84 lakh per annum
📅 Short termStock may see yield-focused buying interest leading up to the ex-dividend date ahead of September 12, 2026.
📈 Long termLimited; reflects regular distribution of annual earnings rather than structural shifts in the lending business.
⚠ Risk flags
- Material related-party transactions with CSL Capital Private Limited seeking shareholder approval
- Top 20 borrower concentration accounts for approximately 41% of AUM
Key Highlights
Final dividend of ₹10.00 per share (100% of face value) recommended for FY26
Record date established as September 12, 2026
34th AGM scheduled for Saturday, September 19, 2026
Proposed 5-year re-appointment of MD Rohit Gupta (Aug 2027 to Aug 2032) at ₹84 lakh per annum
Special resolution proposed to alter AoA for Debenture Trustee nominee director rights
👀 What to Watch
Track the ex-dividend date ahead of the September 12, 2026 record date for dividend entitlement, and observe shareholder voting outcomes at the AGM on September 19, 2026.
CSL Finance Sets Sep 12 Record Date for ₹10/Share Dividend; 34th AGM on Sep 19, 2026
CSL Finance has issued the notice convening its 34th Annual General Meeting (AGM) on September 19, 2026. The company has fixed September 12, 2026, as the record date for determining eligibility for the recommended final dividend of ₹10 per equity share (100% of ₹10 face value) for FY26. Key special business items at the AGM include the re-appointment of Managing Director Rohit Gupta for a 5-year term from August 2027 to August 2032 at a remuneration of up to ₹84 lakh per annum, approval of material related-party transactions with CSL Capital Private Limited, and an amendment to the Articles of Association allowing debenture trustees to appoint nominee directors.
Confidence: HIGH
What changedCSL Finance announced its AGM schedule, set the record date for its FY26 final dividend, and placed board re-appointments and related-party transactions up for shareholder approval.
Why it mattersConfirms the ₹10 per share cash distribution (~4.4% yield at the current price of ₹228.1) and ensures long-term leadership continuity for promoter-management.
Final Dividend: ₹10.00 per shareDividend Yield vs CMP: ~4.38%Record Date: September 12, 2026AGM Date: September 19, 2026MD Remuneration Ceiling: ₹84 lakh per annum
📅 Short termThe stock will likely trade cum-dividend until the September 12, 2026 record date with dividend support around current market price levels.
📈 Long termLimited operational impact; provides governance clarity and institutionalizes leadership tenure through 2032.
⚠ Risk flags
- Material related-party transactions proposed with associate company CSL Capital Private Limited
- High borrower concentration (top 20 borrowers constitute ~41% of AUM)
Key Highlights
Final dividend of ₹10.00 per equity share (100% on face value ₹10) for FY26
Record date fixed as Saturday, September 12, 2026 for dividend entitlement
34th AGM scheduled for Saturday, September 19, 2026 at 12:30 PM IST via VC/OAVM
Re-appointment of MD Rohit Gupta for 5 years (Aug 10, 2027 to Aug 09, 2032) at up to ₹84 lakh p.a.
Proposed AoA alteration (Article 107A) for Debenture Trustee nominee director appointment
👀 What to Watch
Track the ex-dividend date ahead of the September 12, 2026 record date and watch for shareholder voting outcomes post-AGM on September 19, 2026.
CSL Finance Q1FY27: AUM Grows 16% YoY to ₹1,505 Cr; Asset Quality Improves to 0.95% GNPA
CSL Finance reported a 16% YoY growth in Assets Under Management (AUM) to ₹1,505 Cr for Q1 FY27, primarily driven by the Wholesale segment. While SME Retail disbursements remained muted due to internal credit policy tightening, overall PAT grew 14% sequentially to ₹22.1 Cr. Asset quality improved with Gross NPA declining 15 bps QoQ to 0.95%, supported by a consistent 98% collection efficiency. The company maintains a conservative leverage of 1.39x and has ₹179.5 Cr in available liquidity (including undrawn facilities).
Confidence: HIGH
What changedThe company has shifted its AUM mix slightly more toward Wholesale (70%) while cleaning up its SME branch network and improving asset quality metrics sequentially.
Why it mattersMaintaining a GNPA below 1% in a tough SME lending environment demonstrates strong risk management, while the A- credit rating allows the company to access cheaper capital to drive its ₹1,500+ Cr loan book.
Total AUM: ₹1,505 CrAUM vs Market Cap: 298.6%Gross NPA: 0.95%PAT (Q1FY27): ₹22.1 CrLeverage Ratio: 1.39xCapital Adequacy Ratio: 42.90%
📅 Short termThe sequential improvement in PAT and reduction in NPA levels are likely to be viewed positively by the market in the coming weeks.
📈 Long termThe company's focus on branch-level profitability and a 100% secured loan book provides a stable foundation for long-term growth, though concentration in the Wholesale segment remains a factor to watch.
⚠ Risk flags
- High concentration risk with top 20 borrowers historically accounting for ~41% of AUM
- Slowdown in SME Retail disbursements
- Exposure to real estate sector cycles
Key Highlights
Total AUM reached ₹1,505 Cr, a 16% YoY increase from ₹1,299 Cr in Q1FY26.
Gross NPA improved to 0.95% from 1.10% in the previous quarter (Q4FY26).
Net Interest Income (NII) grew 12% YoY to ₹45.0 Cr, though it dipped 1% sequentially.
Collection efficiency remained robust and consistent at 98% for the fifth consecutive quarter.
Wholesale segment now dominates the AUM mix at 70%, up from 69% a year ago.
👀 What to Watch
Monitor the recovery in SME Retail disbursements as the company reorganizes its branch network and credit policies. Investors should also track the utilization of the ₹90 Cr undrawn NCD facility which could support further AUM expansion.
CSL Finance Q1 PAT Grows 3.9% to ₹22.15 Cr; MD Rohit Gupta Re-appointed for 5 Years
CSL Finance reported a 17.7% YoY increase in total revenue to ₹69.97 Cr for Q1 FY27, driven by higher interest income. However, Net Profit grew more modestly by 3.9% YoY to ₹22.15 Cr, primarily due to a 29.9% surge in finance costs to ₹23.69 Cr. The Board also approved the re-appointment of Managing Director Rohit Gupta for a five-year term starting August 2027 and amended the Articles of Association to allow Debenture Trustees to appoint a nominee director in case of default, per SEBI norms.
Confidence: HIGH
What changedCSL Finance released its Q1 FY27 financial results, confirmed leadership continuity for the next six years, and updated its Articles of Association to comply with SEBI Debenture Trustee regulations.
Why it mattersThe results show steady top-line growth, but the sharp rise in finance costs highlights the pressure on NBFC margins in a high-interest-rate environment. The MD's re-appointment ensures management stability for the company's planned shift toward SME retail lending.
Q1 Revenue (YoY): ₹69.97 CrQ1 PAT (YoY): ₹22.15 CrFinance Cost Increase (YoY): 29.9%Basic EPS: ₹9.72Promoter Holding (Mar 2026): 47.66%
📅 Short termThe stock may see neutral to slightly cautious movement as the market digests the impact of rising finance costs on bottom-line growth despite healthy revenue expansion.
📈 Long termStructural growth depends on the company's execution of its SME Retail strategy and its ability to manage high borrower concentration (top 20 borrowers = 41% of AUM).
⚠ Risk flags
- Rising finance costs impacting margins
- High borrower concentration risk
- Exposure to real estate sector (65% of portfolio)
Key Highlights
Total Revenue from operations rose to ₹69.97 Cr in Q1 FY27 from ₹59.45 Cr in Q1 FY26.
Net Profit for the quarter stood at ₹22.15 Cr, a marginal increase from ₹21.32 Cr in the previous year's corresponding quarter.
Finance costs increased significantly to ₹23.69 Cr from ₹18.24 Cr YoY, reflecting higher borrowing expenses.
Basic EPS for the quarter improved to ₹9.72 from ₹9.36 in Q1 FY26.
MD Rohit Gupta re-appointed for a 5-year term effective from August 10, 2027, to August 09, 2032.
👀 What to Watch
Investors should monitor the company's ability to pass on rising finance costs to borrowers to maintain margins, and track the progress of the SME retail loan book toward its ₹800-850 Cr target.
₹22.15 Cr Q1 PAT: CSL Finance Reports 3.9% Profit Growth; MD Re-appointed for 5 Years
CSL Finance reported a total income of ₹70.35 Cr for Q1 FY27, an 18% increase compared to ₹59.59 Cr in Q1 FY26. However, Profit After Tax (PAT) grew more modestly by 3.9% YoY to ₹22.15 Cr, primarily due to a 29.9% surge in finance costs which reached ₹23.69 Cr. The Board has approved the re-appointment of Mr. Rohit Gupta as Managing Director for a five-year term effective from August 2027. Additionally, the company amended its Articles of Association to allow Debenture Trustees to appoint a nominee director in case of default, aligning with SEBI regulations.
Confidence: HIGH
What changedCSL Finance released its Q1 FY27 results showing steady top-line growth but compressed profit margins, alongside a long-term leadership extension for the Managing Director.
Why it mattersThe results indicate that while the loan book is likely expanding, the cost of funds is rising, which is a critical metric for NBFCs. Leadership continuity provides stability, but high borrower concentration (41% in top 20) remains a structural risk.
Q1 Total Income: ₹70.35 CrQ1 Net Profit: ₹22.15 CrYoY Revenue Growth: 18.0%YoY Finance Cost Increase: 29.9%Basic EPS (Q1): ₹9.72
📅 Short termThe stock may see neutral to slightly cautious sentiment as the market digests the margin compression caused by higher interest expenses despite healthy revenue growth.
📈 Long termThe company's focus on increasing branch density in North India and shifting toward SME Retail (target ₹800-850 Cr book) is structurally positive if they can maintain asset quality (GNPA 0.46%).
⚠ Risk flags
- High borrower concentration (top 20 accounts for 41% of AUM)
- Rising finance costs impacting net interest margins
- 65% portfolio exposure to the real estate sector
Key Highlights
Total Income grew 18% YoY to ₹70.35 Cr for the quarter ended June 30, 2026.
Net Profit (PAT) increased by 3.9% YoY to ₹22.15 Cr from ₹21.32 Cr.
Finance costs rose significantly by 29.9% YoY to ₹23.69 Cr, impacting bottom-line margins.
Managing Director Rohit Gupta re-appointed for a 5-year term from August 10, 2027, to August 09, 2032.
Impairment on financial instruments (provisions) increased to ₹2.83 Cr from ₹2.43 Cr YoY.
👀 What to Watch
Investors should monitor the company's ability to pass on rising borrowing costs to customers, as finance costs are currently outpacing revenue growth. Watch for updates on the planned shift toward a 60% SME Retail product mix to improve yields and reduce wholesale concentration.
CSL Finance Q1 PAT Grows 4% to ₹22.15 Cr; MD Re-appointed for 5-Year Term
CSL Finance reported a steady Q1 FY27 with total income rising 18% YoY to ₹70.35 Cr. Net profit grew more modestly by 3.9% YoY to ₹22.15 Cr, as profitability was tempered by a 29.9% surge in finance costs (₹23.69 Cr). The board has approved the re-appointment of Mr. Rohit Gupta as Managing Director for a five-year term starting August 2027, ensuring leadership continuity. Additionally, the company amended its Articles of Association to allow for nominee directors by debenture trustees in case of default, aligning with SEBI regulations.
Confidence: HIGH
What changedThe company reported its first-quarter results for FY27 and secured a 5-year leadership extension for its Managing Director.
Why it mattersThe results show continued top-line growth, but the compression in profit growth highlights the impact of rising borrowing costs on NBFCs. Leadership continuity is crucial as the company attempts to shift its product mix toward SME Retail.
Q1 Total Income: ₹70.35 CrQ1 PAT: ₹22.15 CrYoY Revenue Growth: 18.0%Finance Cost Increase: 29.9%Q1 Revenue vs TTM Revenue: 27.4%
📅 Short termThe stock may see neutral to slightly cautious sentiment as the market digests the modest bottom-line growth despite healthy revenue expansion.
📈 Long termThe long-term trajectory depends on the company's ability to scale its SME Retail segment to ₹800-850 Cr and reduce its high concentration in the real estate sector.
⚠ Risk flags
- Rising finance costs impacting margins
- High borrower concentration (top 20 account for 41% of AUM)
- Significant exposure (65%) to the real estate sector
Key Highlights
Total Income increased 18% YoY to ₹70.35 Cr for the quarter ended June 30, 2026.
Net Profit (PAT) stood at ₹22.15 Cr, representing a 3.9% growth over the ₹21.32 Cr reported in Q1 FY26.
Finance costs rose significantly to ₹23.69 Cr from ₹18.24 Cr in the previous year's corresponding quarter.
Earnings Per Share (EPS) for the quarter was ₹9.72, up from ₹9.36 YoY.
MD Rohit Gupta re-appointed for a 5-year term effective from August 10, 2027, to August 09, 2032.
👀 What to Watch
Investors should monitor the company's Net Interest Margins (NIMs) as finance costs are rising faster than interest income. Watch for updates on the SME Retail loan book growth, which is the company's primary strategic focus for diversification.
15% YoY AUM Growth to ₹1,510 Cr and ₹110 Cr Fresh Funding Raised
CSL Finance reported a 15% YoY increase in Assets Under Management (AUM) to ₹1,510 crore for the quarter ended June 2026. The company demonstrated strong liquidity management by raising ₹110 crore through fresh bank sanctions and NCDs, with an additional ₹90 crore in the pipeline. Quarterly disbursements stood at ₹320 crore, slightly exceeding collections of ₹290 crore. While the company maintains a robust Capital Adequacy Ratio of 44%, the portfolio mix shifted marginally toward Wholesale lending (70%) compared to the previous quarter (69%).
Confidence: HIGH
What changedThe company increased its AUM by ₹200 crore YoY and secured ₹110 crore in new funding to support its lending operations.
Why it mattersThe successful fundraise of ₹110 crore (approx. 17.7% of net worth) validates the company's ability to access debt markets to fuel its targeted 29% growth rate.
AUM Growth (YoY): 15%Total AUM: ₹1,510 crNew Funding Raised: ₹110 crFundraise vs Net Worth: 17.7%Capital Adequacy Ratio: 44%Disbursements (Q1): ₹320 cr
📅 Short termThe stock may react positively to the steady AUM growth and successful capital raising, which ensures near-term disbursement capacity.
📈 Long termWhile growth is steady, the 15% YoY AUM increase is below the company's stated 29% growth target; structural success depends on shifting the mix toward SME Retail as originally planned.
⚠ Risk flags
- High borrower concentration (top 20 account for 41% of AUM)
- Portfolio shift toward Wholesale (70%) contrary to the long-term SME-heavy target
- Dependency on debt markets for liquidity
Key Highlights
Assets Under Management (AUM) grew 15% YoY to ₹1,510 crore as of June 30, 2026
Raised ₹110 crore in fresh capital through a ₹50 crore bank sanction and ₹60 crore via NCDs
Quarterly disbursements reached ₹320 crore against collections of ₹290 crore
Maintained a high Capital Adequacy Ratio (CAR) of approximately 44%
Liquidity surplus of ₹175 crore reported, including ₹90 crore in undrawn NCD sanctions
👀 What to Watch
Monitor the upcoming full financial results to assess if the slight shift toward Wholesale lending (70% of mix) impacts gross margins or asset quality, especially given the historical 41% concentration in the top 20 borrowers.
CSL Finance FY26 Net Profit Rises 19.4% to ₹86.11 Cr; Loan Book Grows to ₹1,374 Cr
CSL Finance reported a steady performance for the fiscal year ended March 31, 2026, with total revenue from operations increasing by 19% to ₹256.06 crore. Net profit for the year grew by 19.4% to ₹86.11 crore, supported by a significant expansion in the loan book, which reached ₹1,373.94 crore. While Q4 FY26 profit showed a modest year-on-year growth to ₹19.42 crore compared to ₹18.98 crore in Q4 FY25, the overall annual EPS improved from ₹31.64 to ₹37.80.
Key Highlights
Annual Revenue from Operations grew 19% YoY to ₹25,606.23 lakh in FY26.
Net Profit for the full year increased to ₹8,611.02 lakh from ₹7,209.27 lakh in FY25.
The loan book expanded by 20% to reach ₹1,37,393.81 lakh as of March 31, 2026.
Finance costs rose significantly to ₹8,357.16 lakh in FY26, reflecting increased borrowing to fund asset growth.
Earnings Per Share (Basic) for the year improved to ₹37.80 from ₹31.64 in the previous fiscal.
👀 What to Watch
Investors should view the consistent growth in the loan book and profitability as a positive sign, though they should monitor the rising finance costs and impairment levels for any impact on margins.
CSL Finance FY26 PAT Rises 19% to ₹86 Cr; AUM Grows 21% to ₹1,448 Cr Despite SME Headwinds
CSL Finance Limited reported a steady financial performance for FY26, with PAT increasing 19% YoY to ₹86 crore and AUM growing 21% to ₹1,448 crore. The wholesale segment remains the primary growth engine, now making up 69% of the AUM, while the SME retail segment faced challenges due to high competition and borrower over-leverage. Asset quality showed some deterioration with GNPA rising to 1.1% from 0.46% YoY, though ROE improved to 14.81%. The company is pivoting towards higher ticket sizes in SME and expanding its co-lending partnerships to boost fee income.
Key Highlights
AUM increased by 21% YoY to ₹1,448 crore, with the wholesale segment contributing 69% of the total mix.
Full-year PAT grew 19% to ₹86 crore, and ROE improved significantly to 14.81% from 13.31% in FY25.
Gross NPA stood at 1.1% in Q4FY26 compared to 0.46% in Q4FY25, impacted by lower resolutions and revised provisioning norms.
The company diversified its funding by onboarding Bank of Baroda and concluding a ₹30 crore NCD issue.
Management provided AUM growth guidance of 15-25% for FY27, supported by a comfortable leverage ratio of 1.39x.
👀 What to Watch
Investors should focus on the company's ability to manage asset quality in the SME segment and the successful execution of its new co-lending strategy. The healthy ROE and conservative leverage provide a good cushion for the guided 15-25% growth in FY27.
CSL Finance FY26 Net Profit Rises 19% to ₹86 Cr; AUM Grows 21% to ₹1,448 Cr
CSL Finance delivered a steady performance for FY26, with Assets Under Management (AUM) growing 21% YoY to reach ₹1,448 crore. Full-year Net Profit increased by 19% to ₹86 crore, supported by a 15% growth in Net Interest Income to ₹168 crore. While the wholesale segment remains robust, the company adopted a cautious stance on SME Retail due to a challenging operating environment, leading to a slight deterioration in asset quality with GNPA rising to 1.10% from 0.46% YoY. The company maintains a very strong capital position with a Capital Adequacy Ratio of 43% and low leverage of 1.39x.
Key Highlights
AUM increased 21% YoY to ₹1,448 crore, with the Wholesale segment now comprising 69% of the total mix.
Full-year Net Profit grew 19% to ₹86 crore, though Q4 PAT growth was muted at 2% YoY due to higher impairments.
Asset quality saw pressure with GNPA at 1.10% and NNPA at 0.81%, compared to 0.46% and 0.34% respectively in the previous year.
Profitability remains high with a Return on Assets (ROA) of 6.30% and Return on Equity (ROE) of 14.81% for FY26.
Funding base diversified by onboarding Bank of Baroda as a new lender and concluding a ₹30 crore NCD issue term sheet.
👀 What to Watch
Investors should monitor the stabilization of NPA levels and the recovery of growth in the SME Retail segment. The company's high capital adequacy and low leverage provide a significant safety buffer and headroom for aggressive growth when market conditions improve.
CSL Finance Recommends INR 10 Dividend per Share Including 70% Special Dividend
CSL Finance Limited has approved its audited financial results for the fiscal year ended March 31, 2026. A key highlight for shareholders is the recommendation of a substantial final dividend of INR 10.00 per equity share, representing 100% of the face value. This payout is uniquely structured as a 30% normal final dividend and a 70% special final dividend. The company's statutory auditors have issued an unmodified opinion on the financial statements, indicating no major accounting discrepancies.
Key Highlights
Recommended a total final dividend of INR 10.00 per equity share for the financial year 2025-26.
Dividend structure consists of a 30% normal final dividend and a 70% special final dividend on a face value of INR 10.
Audited financial results for the quarter and year ended March 31, 2026, have been approved by the Board.
Statutory auditors M/s S.R Dinodia & Co. LLP issued an unmodified opinion on the financial results.
The dividend is subject to approval by members at the upcoming Annual General Meeting.
👀 What to Watch
Investors should look out for the record date to qualify for the INR 10.00 per share dividend, which offers a significant yield. The inclusion of a special dividend suggests strong liquidity or a one-time surplus that benefits current shareholders.
CSL Finance Recommends ₹10 Final Dividend Including 70% Special Dividend for FY26
CSL Finance Limited has recommended a final dividend of ₹10 per equity share for the financial year 2025-26. This 100% dividend consists of a 30% normal final dividend and a substantial 70% special final dividend on a face value of ₹10. The announcement followed the approval of the company's audited financial results for the quarter and year ended March 31, 2026. The dividend is subject to shareholder approval at the upcoming Annual General Meeting.
Key Highlights
Recommended a total final dividend of ₹10.00 per equity share for FY 2025-26
Dividend comprises a 30% normal component and a 70% special component
The total payout represents 100% of the face value of ₹10 per share
Audited financial results for FY26 were approved with an unmodified auditor's opinion
👀 What to Watch
Investors should hold the stock to benefit from the ₹10 per share dividend, keeping an eye on the upcoming record date. The special dividend indicates a strong capital position or exceptional performance for the year.
CSL Finance Recommends ₹10 Dividend (100%) Including Special Dividend for FY26
CSL Finance Limited has announced its audited financial results for the quarter and full year ended March 31, 2026. A key highlight is the recommendation of a substantial final dividend of ₹10.00 per equity share, representing a 100% payout on the face value of ₹10. This payout is structured as a ₹3.00 normal final dividend and a ₹7.00 special final dividend. The statutory auditors have provided an unmodified opinion on the financial statements, ensuring transparency in the reported figures.
Key Highlights
Recommended a total final dividend of ₹10.00 per equity share for the financial year 2025-26.
Dividend includes a 30% normal final dividend (₹3) and a 70% special final dividend (₹7).
The total dividend payout represents 100% of the face value of ₹10 per share.
Audited financial results for Q4 and FY26 approved with an unmodified auditor's opinion.
The board meeting concluded with the approval of the Statement of Assets, Liabilities, and Cash Flows.
👀 What to Watch
Investors should monitor the upcoming Annual General Meeting for dividend approval and the subsequent announcement of the record date to be eligible for the ₹10 payout. The high special dividend suggests a strong liquidity position or a one-time performance boost.
CSL Finance Allots NCDs Worth Rs 30 Crore at 11% Interest Rate
CSL Finance Limited has successfully allotted the second tranche of its Secured, Rated, Listed, Redeemable Non-Convertible Debentures (NCDs), raising Rs 30 crore. The NCDs carry a coupon rate of 11% per annum with interest payable on a quarterly basis. The instruments have a tenure of two years and are secured by a 1.25x charge on loan receivables along with a personal guarantee from the promoter. This capital infusion is intended to support the company's lending operations and liquidity requirements.
Key Highlights
Allotment of 30,000 NCDs with a face value of Rs 10,000 each, totaling Rs 30 crore.
Fixed coupon rate of 11% per annum with quarterly interest payment schedules.
Tenure of 2 years with the maturity date set for May 21, 2028.
Security includes a 1.25x cover on loan receivables and a personal guarantee by Mr. Rohit Gupta.
The issuance was conducted on a private placement basis and will be listed on the BSE.
👀 What to Watch
Investors should monitor the company's deployment of these funds into high-yield assets to offset the 11% borrowing cost. The personal guarantee by the promoter is a positive sign of management's commitment to debt obligations.
CSL Finance to Raise Up to Rs 30 Crore via Second Tranche of NCDs
CSL Finance Limited has announced the issuance of the second tranche of Non-Convertible Debentures (NCDs) for an amount up to Rs 30 crore. This issuance is part of a larger board-approved plan to raise up to Rs 150 crore through private placements. The securities are proposed to be listed on the BSE, with specific terms like tenure and interest rates to be finalized in the disclosure document. This move reflects the company's strategy to secure debt capital to fuel its lending operations.
Key Highlights
Issuance of second tranche of NCDs aggregating up to Rs 30 crore.
Part of a total board-approved fundraising limit of Rs 150 crore.
Up to 30,000 securities proposed to be issued via private placement.
The NCDs are proposed to be listed on the BSE Limited.
👀 What to Watch
Investors should monitor the final coupon rates and tenure of these NCDs to understand the company's cost of borrowing. Efficient deployment of this capital into high-yield assets will be key to maintaining the company's net interest margins.
CSL Finance Allots ₹30 Crore Secured NCDs at 11% Coupon
CSL Finance Limited has successfully completed the allotment of 30,000 Secured, Rated, Listed, Redeemable Non-Convertible Debentures (NCDs) on a private placement basis. The issuance raised a total of ₹30 Crores with a face value of ₹10,000 per debenture. These instruments carry a coupon rate of 11% per annum with interest payable quarterly and have a tenure of two years. The debt is secured by a 1.25x cover on loan receivables and a personal guarantee from Mr. Rohit Gupta.
Key Highlights
Allotment of 30,000 NCDs aggregating to ₹30 Crores via private placement
Fixed coupon rate of 11% per annum with quarterly interest payment schedule
Instrument tenure of 2 years with maturity set for April 20, 2028
Security includes a 1.25x charge on loan receivables and a personal guarantee by the promoter
👀 What to Watch
Investors should view this as a positive step for capital adequacy and lending capacity, though the 11% cost of debt is relatively high. Monitor the company's NIMs to ensure they can effectively deploy this capital at higher yields.
CSL Finance FY26 AUM Grows 21% YoY to INR 1,450 Cr; Capital Adequacy Strong at 44%
CSL Finance reported a solid 21.13% YoY growth in Assets Under Management (AUM), reaching approximately INR 1,450 crore for the fiscal year ended March 2026. The company maintains a very strong balance sheet with a Capital Adequacy Ratio of 44% and a liquidity surplus of INR 108 crore. While Wholesale Lending (WSL) dominated the year's disbursements at INR 1,115 crore, the SME segment saw moderated growth due to a prudent approach amid macroeconomic headwinds. The company successfully diversified its funding by onboarding 6 new lenders, including major banks like Bank of Baroda and Karur Vysya Bank.
Key Highlights
AUM increased by 21.13% YoY to INR 1,450 crore from INR 1,197 crore in the previous year.
Maintained a robust Capital Adequacy Ratio (CAR) of approximately 44% as of March 31, 2026.
Raised cumulative debt of INR 523.53 crore during FY26, expanding the total lender base to 35.
Quarterly disbursements stood at INR 300 crore, while collections for the same period were higher at INR 352 crore.
Portfolio mix remained steady at 69:31 (WSL:SME) due to cautious lending in the MSME segment.
👀 What to Watch
Investors should view the strong AUM growth and high capital adequacy as positive indicators of stability and growth potential. However, keep a watch on the SME segment's performance and asset quality in the upcoming detailed financial results given the company's cautious stance.
CSL Finance Gets 'ACUITE A-' Rating for Rs 1,150 Cr Facilities; Outlook Stable
Acuité Ratings has reaffirmed and assigned 'ACUITE A-' ratings with a stable outlook for CSL Finance's bank facilities and NCDs totaling Rs 1,150 crore. The company's Assets Under Management (AUM) grew significantly to Rs 1,459.90 crore as of December 2025, driven by robust disbursements. Financial metrics remain strong with a Capital Adequacy Ratio of 46.95% and a very low Gross NPA of 0.46% as of March 2025. However, the company faces risks from geographical concentration in the Delhi-NCR region and a high wholesale loan book exposure of 65%.
Key Highlights
Acuité assigned/reaffirmed 'ACUITE A-' rating for bank loans and NCDs worth Rs 1,150 crore.
AUM increased to Rs 1,459.90 crore as of Dec 31, 2025, compared to Rs 1,195.19 crore in March 2025.
Maintained superior asset quality with GNPA at 0.46% and NNPA at 0.34% for FY25.
Capitalization remains robust with a Net Worth of Rs 541.65 crore and CAR of 46.95%.
Wholesale book exposure successfully reduced from 81% to 65% over the last four financial years.
👀 What to Watch
Investors should take confidence in the stable credit rating and strong asset quality metrics. Monitor the company's ability to further diversify its loan book geographically and reduce wholesale concentration as planned.
CSL Finance Board Approves ₹150 Crore Fundraise via Non-Convertible Debentures
CSL Finance Limited has received board approval to raise up to ₹150 crore through the issuance of Non-Convertible Debentures (NCDs). These securities will be issued on a private placement basis in one or more tranches and are intended to be listed on the BSE. The Management Committee has been authorized to determine specific terms such as tenure, coupon rates, and security charges for each issuance. This capital infusion is likely aimed at expanding the company's lending book and managing liquidity.
Key Highlights
Approved fundraising of up to ₹150 crore through various types of NCDs.
Issuance to be conducted on a private placement basis in one or more tranches.
Proposed listing of the NCDs on the BSE Limited stock exchange.
Management Committee authorized to finalize interest rates, tenure, and security details.
The board meeting concluded within one hour, indicating a swift approval process.
👀 What to Watch
Investors should monitor the coupon rates at which these NCDs are issued to assess the company's cost of borrowing. Successful fundraising at competitive rates would be a positive signal for the company's creditworthiness and growth prospects.
CSL Finance Q3FY26: AUM Grows 27% YoY to ₹1,460 Cr; PAT Rises 25% YoY to ₹20.9 Cr
CSL Finance reported a strong 27% YoY growth in AUM to ₹1,460 crore for Q3FY26, driven primarily by the wholesale segment. While PAT grew 25% YoY to ₹20.9 crore, it saw a 14% sequential decline due to higher impairments and revised RBI provisioning norms. Asset quality showed some stress with Gross NPA rising to 1.00% from 0.51% in the previous quarter. The company maintains a healthy liquidity position with ₹135.2 crore in cash and equivalents and a comfortable leverage ratio of 1.50x.
Key Highlights
AUM increased 27% YoY to ₹1,460 crore, with the Wholesale segment now comprising 69% of the mix.
Net Interest Income (NII) grew 18% YoY to ₹41.4 crore, though PAT fell 14% QoQ to ₹20.9 crore.
Gross NPA rose to 1.00% from 0.38% YoY, impacted by revised RBI provisioning on project finance and slower SME resolutions.
Disbursements rose 27% YoY to ₹357 crore, supported by the onboarding of two new lenders, SBM Bank and Punjab & Sind Bank.
The company maintains a target AUM of ₹1,500–1,600 crore for FY26 with a collection efficiency of 98%.
👀 What to Watch
Investors should monitor the rising NPA levels and the slowdown in the higher-margin SME Retail segment. While wholesale growth is robust, the sequential decline in PAT and increased provisioning requirements warrant a cautious approach until asset quality stabilizes.
