Richfield Financial Services Ltd (RFSL) Share Price & Fundamentals

What we do

Richfield Financial Services Ltd provides financial services including trading of shares, short term financing, merchant banking, stock broking, portfolio management, and loan syndication.

Founded in

1,992

Market share

Operates primarily in NBFC lending sector with a growing asset base and expanding operations amid competitive financial services market.

Problem solved

Offers funding solutions, short-term loans, and investment management to bridge financial gaps for individuals and businesses.

Top clients or who we serve

Serves retail investors, small-medium enterprises through lending, investment, and portfolio management; primarily B2B and B2C.

Key management

Mr. Vadasseril Chacko Georgekutty (Managing Director) and Mrs. Neethu Subramoniyan (Independent Director)

Our journey and innovations

Started in 1992, public listing in 1994, diversified into NBFC lending, public issues, and issuance of secured NCDs for capital infusion.

Where we operate

Primarily India, headquartered in Kerala; with financial operations focused regionally.

Top products or what we offer

Shares trading, short-term financing, loan products including gold, microfinance, personal loans, merchant banking, and portfolio management.

Top brands

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Raw materials needed

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Raw materials supplier

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Recurring vs cyclical contribution

Revenue mainly from recurring financial services such as loan interest and portfolio management fees.

Our industry position

Mid-sized NBFC with growing assets under management, expanding market presence through diversified lending and financial solutions.

Financial highlights

FY 2025 revenue Rs. 437.33 lakhs; net profit Rs. 12.54 lakhs; assets under management increased to Rs. 2835.3 lakhs.

Geographical revenue split

Revenue mainly from Indian market; no specific geographic split disclosed.

Order book

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Whats driving growth

Expansion in NBFC lending, new microfinance license approval, capital infusion via NCDs, and equity bonus shares issuance.

Our future plans

Plans for fund raising through subordinated debts, geographical office shift to Tamil Nadu, and exploring new financial product lines.

Our green promise

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Our people and values

Committed workforce trained in sector skills; culture focused on ethics, compliance, and employee motivation.

Key challenges ahead

Liquidity risks, regulatory compliance, competition in NBFC sector, and managing credit risk on financing operations.

Interesting facts

Successfully issued bonus shares ratio 1:1 in 2025 and voluntarily delisted from Calcutta Stock Exchange in 2024.

Risks and strategy

Manages credit and operational risks with internal controls and diversification; aims to grow prudently within regulations.