What we do Gilada Finance & Investments Ltd is an Indian non-banking financial company focused on vehicle financing, small business loans, and mortgage loans primarily in Karnataka. |
Founded in 1,994 |
Market share A modest player in the regional NBFC sector with a focus on SME lending and vehicle loans within Karnataka state. |
Problem solved Provides accessible financing solutions to SMEs, vehicle buyers, and individuals needing mortgage loans, bridging credit gaps in regional markets. |
Top clients or who we serve Small and medium enterprises, vehicle owners, mortgage loan seekers; B2B and B2C focused primarily in Karnataka. |
Key management Mr. Rajgopal Gilada (Managing Director) leads operations with strong family legacy in finance since 1994. |
Our journey and innovations Since 1994, sustained growth despite economic downturns, trusted lending solutions, maintaining strong capital adequacy and asset quality. |
Where we operate Branches in Bangalore, Gulbarga, Sindagi, and Bidar within Karnataka state. |
Top products or what we offer Vehicle financing, SME business loans, mortgage loans, and working capital loans. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenues largely recurring from lending operations with steady loan book growth. |
Our industry position Stable regional NBFC with strong capital adequacy ratio (59%) and consistent profitability. |
Financial highlights FY 2025 Revenue Rs 6.77 Cr, Net Profit Rs 2.13 Cr; Assets under Management Rs 29.68 Cr, growing steadily. |
Geographical revenue split Revenue primarily from Karnataka branches; no significant international operations. |
Order book - |
Whats driving growth Demand for SME and vehicle financing, strong capital base, and regional market penetration. |
Our future plans Expand loan portfolio leveraging capital adequacy while optimizing existing infrastructure in Karnataka. |
Our green promise - |
Our people and values Family-led management with a focus on trust, transparency, and regulatory compliance. |
Key challenges ahead Managing credit risks, regulatory compliance, and competitive pressures in the NBFC sector. |
Interesting facts Part of GITA Group; maintained profitability through global financial crises and local market challenges. |
Risks and strategy Mitigating credit and regulatory risks via strong internal controls, diversified loan products, and prudent capital management. |
