Capital India Finance Ltd · NSE:CIFL
Capital India Finance — Investor Presentation (May 2025)
26 slides from Capital India Finance's investor presentation, May 26, 2025
Slide 1: Exchange filing cover letter for investor presentation
Ref. No.: CIFL/SE/2025-26/15 Monday, May 26, 2025 The Manager-Listing The Manager-Listing BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Bandra Kurla Complex, Dalal Street, Mumbai - 400 001 Bandra (E) Mumbai - 400 051 BSE Scrip Code: 530879 NSE Symbol
Slide 2: Investor Presentation May 2025
Investor Presentation May 2025 CAPITAL INDIA FINANCE LIMITED
Slide 3: Capital India – Full Stack Financial Services Play
Capital India – Full Stack Financial Services Play Entity Type Nature of Business Key strengths Established distribution franchise (29 Middle Layer NBFC Lending Business branches, 7 states) Focus on MSME secured Experienced management team Listed on NSE | BSE lending Diversified loan product m
Slide 4: Our Journey
Our Journey SPA signed for Received sale of entire Listing on Equity infusion Authorized stake in Housing Received the of dealer II (AD II) Finance Housing Finance AUM AUM National Rs. 250 crores license from subsidiary - Company crossed Rs. crossed Rs. Stock through RBI. Capital India license from
Slide 5: Group Structure
Group Structure Promoters (72.95%) Subsidiary of CIFL Capital India Corp Pvt Ltd Affordable housing finance (Registered as Core Investment Company ‘CIC’ with RBI) Promoted by Mr. Sumit Kumar Narvar a first-generation entrepreneur Other Shareholders Fintech | Neo- Bank | Digital Loans 52.5% owned by
Slide 6: Overview of Lending Business
Overview of Lending Business Rs. > 1,000 Crore AUM 29 Branches | 7 states Credit rating of “A” Credit institution that provides bespoke financial solutions to Micro, Small and Medium Enterprises (MSMEs) for their growth and working Rs. 622 Crore Net Worth capital requirements 36.08% CRAR 0.98% Net N
Slide 7: Product Offering
Product Offering MSME Secured Business Loans Convenient loans against property Prime LAP: ATS : Rs. 70-75 lacs Affordable LAP: ATS : Rs. 8-10 lacs Short Term Business Loans Sourced through “Rapipay” - Tech enabled underwriting Products under Phygital model. Offered Home Loans Funded through “Capital
Slide 8: Product Specs Prime LAP Affordable LAP
Product Specs * Prime LAP * Affordable LAP Average Ticket Size Rs. 70 - 75 lacs Rs. 8-10 lacs Yield Range 12-15% p.a. 16-21% p.a. Average Tenor 60 months 48 months Average LTV ~ 48% ~ 39% * End use driven - Business purpose loans 7
Slide 9: Distinguished Board of Directors
Distinguished Board of Directors Fellow member of ICAI & senior partner >27 years of experience in the BFSI with M/s KG Somani & Co. since 1986 sector, have worked with private and foreign banks across retail and Auditor to Nationalised Banks, Insurance corporate lending space. Companies, Government
Slide 10: Experienced Management Team
Experienced Management Team Vikas Srivastava MS Walia Chetan Bafna Chief Financial Officer Chief Operating Officer Chief Credit Officer >22 years of experience in banking & >30 years of exp. in building large distribution >20 years of experience in financial services. frameworks for financial servic
Slide 11: Strong Governance Framework
Strong Governance Framework Board of Directors 5 Independent Directors (Incl. 2 Woman Directors) Committees of the Board Audit Committee Asset Liability Committee Credit Committee Risk Management Committee Stakeholders Relationship Committee Investment Committee Corporate Social Responsibility Commi
Slide 12: Performance Snapshot
Performance Snapshot Rs. in Crores AUM Total Revenue Secured Unsecured 195 563 912 934 935 1005 184 163 6% 16% 22% 19% 21% 123 93 94% 84% 78% 81% 79% FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 Net Worth PAT 607 622 559 571 585 20 20 15 12 12 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 1
Slide 13: Operational Snapshot
Operational Snapshot No. of Branches (Lending business) No. of Branches (Forex business) 40 39 38 29 31 26 23 9 11 2 FY21 FY22 FY23 FY24 FY25 FY21 FY22 FY23 FY24 FY25 Total No. of Employees 616 573 517 280 135 FY21 FY22 FY23 FY24 FY25 12
Slide 14: Borrowing Franchise
Borrowing Franchise Diversified Funding Base Public Sector Lenders Private Sector Lenders Total Fund raised (FY 24-25) – Rs. 450 crores Healthy borrowing 6 New lenders added in Support from existing Lower gearing of franchise with diverse FY 24-25 lenders demonstrates 1.06 times lender base of 21 tr
Slide 15: Forex Business – RemitX
Forex Business – RemitX
Slide 16: Overview
Overview Capital India has AD II license and operates its Foreign Exchange business under brand name of REMITX is an integrated Foreign Exchange Service Provider offering comprehensive forex solutions to various customer segments in India Led by industry’s successful leaders, REMITX echoes the
Slide 17: Fintech | Neo Bank | Digital Loans
Fintech | Neo Bank | Digital Loans
Slide 18: RapiPay offers Banking as a Service
RapiPay offers Banking as a Service Addresses the financial needs of consumers under single umbrella: Phygital unsecured business loans for merchants. CICO services – DMT, AEPS, mATM, other auxiliary services like BBPS, mobile recharges, Insurance, Cash management services. Digital banking a
Slide 19: NYE- Digital Banking App
NYE- Digital Banking App The app provides a Wallet, Prepaid Card, UPI, Money Transfer, CASA, Loans (for DBOs and Merchants), Merchant dashboard (QR and POS transactions), Mutual Funds and Digital Gold facilities. Prepaid Instruments Banking Savings A/c Current A/c NYE Wallet NYE Prepaid Card NYE is
Slide 20: Digital Lending – Business Loans
Digital Lending – Business Loans RapiPay’s digital lending platform caters to the credit needs of Indian masses. Fully digital platform - Entire process from onboarding to disbursement happens in a convenient and intuitive manner. Loan Sourcing: Two-Pronged collection Strategy: Technology Infrastruc
Slide 21: Serving the Unbanked and Underserved through CICO
Serving the Unbanked and Underserved through CICO Solution Problem RapiPay partnered with DBOs across India and created People from rural / Suburban India face a lot of a digital platform to provide cash transfer/withdrawal financial problems: and other services leading to mass reach out RapiPay’s I
Slide 22: Customer Acquisition Strategy Harnessing Phygital Ecosystem Advantage
Customer Acquisition Strategy Harnessing Phygital Ecosystem Advantage 21
Slide 23: Corporate Social Responsibility
Corporate Social Responsibility
Slide 24: Corporate Social Responsibility
Corporate Social Responsibility Company carries out its Corporate Social Responsibility through its group’s CSR foundation ATULYA Foundation. Rural Development: Rural Development: Street Lighting Solar Panels in Schools Impact : Improved safety and Impact : Ensured reliable power enabled evening mob
Slide 25: Thank You
Igniting Growth. Driven by Passion. Thank You www.capitalindia.com
Slide 26: Disclaimer / Safe Harbor
Disclaimer / Safe Harbor This document may contain statements that are “forward-looking” in nature, which reflect the current expectations and assumptions of the management of Capital India Finance Limited (CIN: L74899DL1994PLC128577). Such forward-looking statements are subject to various known and
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