What we do Kapil Raj Finance Limited is a financial service company offering financing, insurance, management consultancy, and hire purchase services across commercial and real estate sectors. |
Founded in 1,985 |
Market share A niche player in financial services, primarily focused on hire purchase and financial consultancy with modest market presence. |
Problem solved Provides essential financial support and consultancy to businesses for equipment, machinery, vehicle financing, and commercial real estate needs. |
Top clients or who we serve Serves small to medium enterprises and commercial clients needing hire purchase and financial consultancy services. Primarily B2B. |
Key management - |
Our journey and innovations Incorporated in 1985, evolved into diversified financial and consultancy services with consistent adherence to conservative credit risk management. |
Where we operate Mainly operates within India, focusing on Delhi and surrounding regions. |
Top products or what we offer Financial consultancy, hire purchase financing of industrial equipment, machinery, vehicles, and real estate related to commercial enterprises. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily cyclical tied to financing activities and economic cycles. |
Our industry position Small-scale NBFC-type participant with focus on hire purchase and financial services segments. |
Financial highlights FY 2024-25 income Rs 19 lakh; net loss of Rs 0.84 lakh; currently no profits or dividends declared. |
Geographical revenue split - |
Order book - |
Whats driving growth Growth supported by steady financing demand in industrial and commercial sectors with ongoing credit risk management. |
Our future plans Pending registration as NBFC with RBI; committed to regulatory compliance and improving corporate governance. |
Our green promise - |
Our people and values Fosters ethical governance, transparency, accountability, and employee trust with ongoing board evaluations. |
Key challenges ahead Regulatory compliance delays, modest financial scale, need to enhance filings and director eligibility in line with RBI norms. |
Interesting facts Maintains a vigilant whistleblower system and robust internal controls despite small scale. |
Risks and strategy Risk mitigated by conservative lending, client selection, and adherence to governance with efforts to resolve compliance gaps. |
