Capital India Finance appoints new executive, reports Q2 results

Capital India Finance (CIFL) announced the appointment of Surender Rana, former deputy managing director at State Bank of India, as executive vice chairman for a three-year term, effective November 18, 2025. This strategic move aims to bolster CIFL's leadership and focus on scalable, governance-led growth, leveraging Rana's extensive experience in MSME and agri financing.

For Q2 FY26, CIFL reported assets under management (AUM) of ₹1024 Crore as of September 30, 2025, an 11.43% increase year-on-year. The company posted a standalone PBT of ₹44.19 Crore and a standalone PAT of ₹37.81 Crore for H1 FY26. Key financial health indicators include a net NPA of 0.98% and a gross NPA of 1.70%, with a capital adequacy ratio (CRAR) of 51.24% and a debt-to-equity ratio of 1.03x. Net worth stood at ₹661.93 Crore.

CIFL also divested its housing finance subsidiary, Capital India Home Loans Limited, for ₹266.53 crore, streamlining its focus on core lending. Disbursements for Q2 FY26 totaled ₹155.54 Crore, marking a 45% YoY increase, while H1 FY26 disbursements reached ₹277.77 Crore, up 41% YoY. The company enhanced its funding with ₹50 Crore in NCDs during Q2 FY26, contributing to ₹193 Crore raised in H1 FY26, and boasts an outstanding debt of ₹685 Crore from 23 lenders.