ALFA Finder| Revenue growth | Total Income grew 18% YoY to ₹70.3 Cr. |
|---|---|
| Margins | Yields stable at 18.2% for SME and 16.6% for Wholesale. |
| Demand visibility | Strong in Wholesale; muted in SME Retail lending space. |
| Management confidence | High for Wholesale; cautiously optimistic for SME Retail. |
Growth
AUM grew 16% YoY; NII up 12% YoY to ₹45 Cr; PAT up 4% YoY to ₹22.1 Cr.
Outlook
Wholesale segment expected as key FY27 growth driver; SME Retail expected to return to growth over coming year.
Risks
Slow SME Retail disbursements due to tough operating environment and internal productivity challenges; Gross NPA up 39bps YoY.
Last quarter's promises, checked
Delivered
- Guided 15%-25% AUM growth → delivered 16% YoY (= BEAT)
- Guided 98% collection efficiency → delivered 98% (= BEAT)
- Guided focus on wholesale segment → delivered 69% wholesale mix (= BEAT)
Partly delivered
- Guided SME retail return to normalcy → delivered 30% share with muted demand (= PARTIAL)
Missed
- Guided credit cost 0.5% → delivered 0.81% Net NPA (= MISS)
Investor Presentation filed with BSE, NSE: CSLFINANCE. Summary written with AI assistance from the document.
CSL Finance Ltd: key numbers
- Share price
- ₹229.88
- Market cap
- ₹523.7 Cr
- Revenue (annual)
- ₹256.1 Cr
- Net profit (annual)
- ₹86.11 Cr
- P/E (TTM)
- 6.0×Sector 20.8×
- Promoter holding
- 49.17%+1.00% QoQ
- FII holding
- 0.09%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from CSL Finance Ltd
All →CSL Finance Earnings Call Transcript: Key Takeaways
Record ₹385 Cr disbursements and 16% AUM growth, but SME retail stalled and gross NPA rose to 1.13% from 0.95%. PAT grew only 2% YoY, largely due to a low tax base.
CSL Finance Investor Presentation: Key Takeaways
Q2FY27: AUM ₹1,627 Cr (+16% YoY), record disbursements ₹385 Cr (+31% YoY), NII ₹49.6 Cr (+21% YoY), PAT ₹25.0 Cr (+2% YoY). Wholesale-led growth; SME Retail recovering gradually.
CSL Finance Q2 FY27 Results: Net Profit ₹25 Cr, Up 2.0% YoY
CSL Finance Ltd reported revenue from operations of ₹76.8 Cr (+20.6% YoY) and net profit of ₹25 Cr (+2.0% YoY) for Q2 FY27.
- Key figure
- Net profit ₹25 Cr · +2.0% YoY
CSL Finance Management Change
CSL Finance appointed Akshay Gujar as Chief Executive Officer of its SME division as senior management personnel. The filing carries no monetary value.
CSL Finance Board Meeting Date
CSL Finance scheduled a board meeting on November 2, 2026 to approve unaudited results. The trading window stays closed until November 4, 2026.
CSL Finance Debt & Borrowing: ₹0.83 Cr
CSL Finance Ltd has successfully paid Rs.0.83 Crore in quarterly interest on its senior rated secured NCDs, as confirmed in the regulatory filing.
- Value
- ₹0.83 Cr