What we do CSL Finance Ltd is a non-banking financial company providing flexible secured loans to underserved SMEs and corporates, enhancing financial inclusion in India. |
Founded in 1,992 |
Market share Leading niche NBFC with a Rs 1,460 crore AUM and focus on SME retail and wholesale loan segments across India. |
Problem solved Bridging credit gaps for unbanked and underserved SMEs and real estate corporates through tailored, secured loan products. |
Top clients or who we serve SMEs, mid-sized businesses, real estate developers mainly in NCR and other states; primarily B2B clients. |
Key management Rohit Gupta (Managing Director, Chartered Accountant) and Rachita Gupta (Whole-time Director, M.B.A. from Warwick Business School). |
Our journey and innovations Established in 1992; IPO in 1995; launched secured lending for SMEs in 2010; expanded SME retail vertical in 2017; consistent equity raises and branch expansion. |
Where we operate India with dominant presence in Delhi NCR, Haryana, Punjab, Rajasthan, Gujarat, and Uttarakhand. |
Top products or what we offer Secured loans to SMEs, micro/small loans, business expansion loans, and wholesale structured loans for real estate projects. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenues primarily from interest on loans; recurring income from loan book interest and fees. |
Our industry position Well capitalized NBFC with improved A- Stable rating; competitive in SME and wholesale lending market niches. |
Financial highlights FY25 revenue Rs 216 crore, PAT Rs 72 crore, AUM Rs 1,460 crore, Net Worth Rs 592 crore, consistent dividend payout. |
Geographical revenue split Operations across multiple northern Indian states with majority business from NCR and nearby regions. |
Order book - |
Whats driving growth Growth driven by SME retail segment expansion, enhanced branch network, technology adoption, and improved credit rating. |
Our future plans Branch expansion, SME portfolio rationalization, tech upgrades in loan origination and collections, and product diversification. |
Our green promise - |
Our people and values Employee base of 495; focus on transparency, governance, and professional leadership promoting ethical practices. |
Key challenges ahead Managing credit risks amid stressed SME environment and transitioning to middle regulatory layer compliance per RBI. |
Interesting facts First unsecured loan product launched for steel fabricators; AUM crossed Rs 700 crore in 2023 and Rs 1,460 crore in 2026. |
Risks and strategy Prudent risk management with conservative leverage, continuous asset quality monitoring, and diversified funding sources. |
