What we do Real Touch Finance Limited is an NBFC offering loans such as Loan against Property, Personal Loans, and Structured Loans to micro and small enterprises primarily in West Bengal and Tamil Nadu. |
Founded in 1,984 |
Market share A focused regional NBFC with strong market presence in West Bengal and Tamil Nadu serving micro and small business sectors. |
Problem solved Provides accessible and structured financing solutions to micro and small enterprises and real estate sectors underserved by traditional banks. |
Top clients or who we serve Micro and small enterprises, real estate developers, and other NBFCs in the impact lending space; B2B and B2C focus. |
Key management - |
Our journey and innovations Founded in 1984 as Associated Ceramics, rebranded in 2015; expanded branches in Tamil Nadu; launched ESOP in 2024 for employee retention. |
Where we operate Operations primarily across West Bengal and Tamil Nadu, including multiple branch offices in Chennai and nearby districts. |
Top products or what we offer Loan against Property, Personal Loans, Structured Loans, and financing solutions for real estate and impact lending NBFCs. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue largely from recurring lending and interest income. |
Our industry position Complies with RBI base layer NBFC norms; capital adequacy ratio above regulatory minimum; recognized player in regional NBFC lending. |
Financial highlights FY 2024-25 Revenue: Rs. 28.87 crore; Profit after Tax: Rs. 4.61 crore; 53.89% revenue growth YoY and 75.09% PAT growth. |
Geographical revenue split Entire revenue from Indian operations focused in West Bengal and Tamil Nadu. |
Order book - |
Whats driving growth Geographic expansion in Tamil Nadu, increased disbursements in micro and small enterprise loans, structured financing innovations. |
Our future plans Plans to deepen penetration in Tamil Nadu, expand product offerings, strengthen capital base, and continue branch network growth. |
Our green promise - |
Our people and values Adopted ESOP 2024 to reward and retain talent; commitment to ethical practices and employee welfare. |
Key challenges ahead Competition from larger NBFCs and banks, regulatory compliance, and managing credit risks in SME lending. |
Interesting facts Name changed from Associated Ceramics Limited to Real Touch Finance Limited in 2015 to align with financial services focus. |
Risks and strategy Ongoing risk management with RBI compliance; strategic branch expansion and capital adequacy maintenance to mitigate credit and operational risks. |
