As of 6 Nov 2026, Real Touch Finance trades at 6.8× trailing earnings, and the shares are 58% below their 52-week high. Its ROE of 10% is the lowest among the 7 largest Credit Services peers, and net profit grew 26% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 0.64× book value. It is a small-cap company with a market cap of ₹33 Cr, ranked 125th of 193 Credit Services companies by market cap; the shares fell 50% over the past year.
- ₹25.10
- ₹26.35
- ₹24.37
- ₹25.10
- 5K
Health check
- ReturnsBehind
−49.9% over a year, better than 0 of 7 peers.
- Price tagCheaper
P/B 0.64 vs peer median 2.62.
- GrowthStrong
Profit +25.6% a year over 3 years.
- ProfitabilityWeak
ROE 10.5% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags2 to check
Quarterly profit down 13.9% on a year ago.
Small cap
Defensive
Key metrics
- Market cap
- ₹33 Cr
- Small cap
- P/E
- 6.8
- Industry 15.5
- Price to book
- 0.64
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- 10.5%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹3.90
- OPM (TTM)
- 24.1%
- Net margin 35.4%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- −13.9%
- Latest quarter vs a year ago
- Price to sales
- 2.37
Strengths and risks
Risks to check
- Quarterly profit down 13.9% on a year ago.
- 58% below its 52-week high.
About Real Touch Finance
Real Touch Finance Limited operates as a non-banking financial company in India. It provides personal loans, personal loans for education expenses, loans for business purposes against property mortgages, lending to financial institutions, and structured finance products. The company was formerly known as Associated Cereals Limited. The company was incorporated in 1984 and is headquartered in Chennai, India. Real Touch Finance Limited is a subsidiary of…
- Headquarters
- Chennai
- Employees
- 28
- Sector
- Financial Services
- ISIN
- INE840I01014
- Website
- realtouchfinance.com
Price range
- Avg volume (3M)
- 623
- 1-year return
- minus 49.9%
- From 52-week high
- minus 58.4%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| RTFLReal Touch Finance | 26.35 | plus 4.98% | 33 | 6.8 | 0.64 | 10.5% | – | 25.6% | 0.00% | minus 49.9% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 8.2 | 8.7 | 8.7 | 11.3 | 8.6 | |
| 6.2 | 5.8 | 7.2 | 8.3 | 7.1 | |
| 2 | 2.8 | 1.6 | 3 | 1.6 | |
| 24.0% | 32.9% | 17.9% | 26.8% | 18.2% | |
| 0.1 | 2.5 | 0.1 | 1 | 0 | |
| 0.1 | 0.1 | 0.1 | 0.1 | 0 | |
| −0.2 | −2.6 | −0.4 | −1.9 | −0.1 | |
| 1.8 | 2.7 | 1.1 | 2 | 1.4 | |
| 25.3% | 25.2% | 25.3% | 52.4% | 16.9% | |
| 1.3 | 2 | 0.9 | 1 | 1.2 | |
| 1.04 | 1.57 | 0.66 | 0.76 | 0.91 |
Profit & loss
- Profit CAGR 3Y
- +25.6%
- EPS CAGR 3Y
- +25.6%
- ROE
- 10.5%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 10.2 | 18.7 | 28.4 | 38.6 | |
| – | +83.0% | +52.2% | +36.0% | |
| 6.1 | 14 | 22.7 | 30.5 | |
| 4.1 | 4.7 | 5.7 | 8.1 | |
| 40.5% | 25.0% | 20.1% | 21.0% | |
| 0.1 | 0.2 | 1.1 | 5.7 | |
| 0 | 0.2 | 0.2 | 0.2 | |
| 0.1 | 0.3 | 0.3 | 0.3 | |
| −0.4 | −0.5 | −0.6 | −5.7 | |
| 3.7 | 3.9 | 5.7 | 7.7 | |
| 29.8% | 33.0% | 18.6% | 32.4% | |
| 2.6 | 2.6 | 4.6 | 5.2 | |
| – | +0.5% | +75.1% | +12.6% | |
| 2.06 | 2.07 | 3.57 | 4.08 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 12.7 | 12.7 | 12.7 | 12.7 | |
| 26.5 | 29.1 | 34.4 | 39.6 | |
| 86.6 | 139 | 165 | 256 | |
| 4.9 | 11.2 | 18.1 | 12.7 | |
| 131 | 193 | 230 | 322 | |
| 0.2 | 0.2 | 0.3 | 0.3 | |
| 1.4 | 0 | 0.1 | 125 | |
| 3.1 | 2.6 | 1.6 | 127 | |
| 126 | 190 | 228 | 68.7 | |
| 131 | 193 | 230 | 322 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −87.2 | −49.7 | −26.1 | 33.4 | |
| −1.6 | 1.1 | −0 | −127 | |
| 89 | 50.4 | 25.1 | 92 | |
| 0.1 | 1.9 | −1 | −1.3 | |
| −0.6 | −0.3 | −0.3 | −0.2 | |
| −87.9 | −50 | −26.3 | 33.2 |
Shareholding pattern
This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.
Major shareholders
Filings & events
News
No recent news coverage found.