ALFA Finder| Revenue growth | Total income ₹77.4 Cr, +21% YoY, +10% QoQ; AUM +16% YoY. |
|---|---|
| Margins | ROA 6.30% annualised vs 5.86% QoQ; ROE 14.86% vs 13.82%. |
| Demand visibility | SME retail demand subdued; wholesale pipeline ₹300-400 Cr; affordable housing sales strong. |
| Management confidence | Balanced: confident on wholesale, guarded on SME retail recovery. |
Growth
Total income +21% YoY, PBT +21%, PAT +2% (low tax base). AUM +16% YoY, wholesale-led; SME retail subdued.
Outlook
No quantified guidance. Wholesale to drive AUM; ₹300-400 Cr pipeline; ₹210 Cr undrawn limits.
Risks
GNPA rose to 1.13% from 0.95% QoQ; SME recovery deferred to post-Diwali; ~30% of wholesale book exposed to slowing residential sales.
Last quarter's promises, checked
Delivered
- Guided wholesale as key growth driver → wholesale-led AUM, ₹300-400 Cr pipeline (= BEAT)
- Guided leverage headroom for FY27 growth (1.39x) → 1.5x (= BEAT)
Partly delivered
- Guided FY27 AUM growth 15-25% → AUM +16% YoY, floor of range only (= PARTIAL)
Missed
- Guided no rise in absolute GNPA (1.1%) → GNPA 1.13% (= MISS)
- Guided SME retail normalising in FY27 → SME stalled, recovery deferred to post-Diwali (= MISS)
Earnings Call Transcript filed with BSE, NSE: CSLFINANCE. Summary written with AI assistance from the document.
CSL Finance Ltd: key numbers
- Share price
- ₹226.66
- Market cap
- ₹516.4 Cr
- Revenue (annual)
- ₹256.1 Cr
- Net profit (annual)
- ₹86.11 Cr
- P/E (TTM)
- 5.9×Sector 20.6×
- 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 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
CSL Finance Other Announcement
CSL Finance Ltd has filed its quarterly shareholding pattern for the period ended September 30, 2026, as required by SEBI regulations.