CSL Finance Ltd
NSE:CSLFINANCE
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CSL Finance Ltd
CSL Finance Ltd. engages in the business of investment banking and advisory services. The company is headquartered in New Delhi, Delhi. The firm is engaged in the business of secured and unsecured lending to small and medium size business. The Company’s segments include small and medium enterprise (SME) business and wholesale business. Its SME business is focused micro and small business loans to various business entities, which is secured against self-occupied residential or commercial properties. Wholesale business is focused on loans for working capital requirement of businesses. Its Wholesale business is focused on loans for working capital requirement of businesses. The company also provides construction finance facilities to builders and developers for redevelopment of sites for meeting their short -term funding requirements. The Company’s product portfolio includes wholesale- large ( Affordable Group Housing), wholesale- small (Builder Floor Financing), and wholesale-loan against property (LAP) (Corporates & Education Sector).
CSL Finance Ltd. engages in the business of investment banking and advisory services. The company is headquartered in New Delhi, Delhi. The firm is engaged in the business of secured and unsecured lending to small and medium size business. The Company’s segments include small and medium enterprise (SME) business and wholesale business. Its SME business is focused micro and small business loans to various business entities, which is secured against self-occupied residential or commercial properties. Wholesale business is focused on loans for working capital requirement of businesses. Its Wholesale business is focused on loans for working capital requirement of businesses. The company also provides construction finance facilities to builders and developers for redevelopment of sites for meeting their short -term funding requirements. The Company’s product portfolio includes wholesale- large ( Affordable Group Housing), wholesale- small (Builder Floor Financing), and wholesale-loan against property (LAP) (Corporates & Education Sector).
AUM Growth: CSL Finance's AUM reached INR 1,397 crores in Q2 FY '26, up 29% YoY and 8% sequentially, with balanced growth from both SME retail and wholesale segments.
Profit Surge: PAT for Q2 was INR 24.5 crores, up 37% YoY and 15% QoQ, aided in part by deferred tax adjustments, while PBT grew 17% YoY and 5% QoQ.
Asset Quality: Gross NPA improved to 0.51% (from 0.56% in Q1), and net NPA stood at 0.39% (down from 0.42% in Q1), with strong recoveries and limited delinquencies in the recent SME retail book.
SME Focus: SME retail disbursements jumped 93% YoY and 61% QoQ, reflecting early success from operational improvements; management aims to further increase branch count and disbursal per branch.
Guidance: Management reaffirmed an AUM target of INR 1,500–1,600 crores by year-end, with SME mix expected to reach at least 45% by FY '27.
Cost of Funds: Fresh borrowing costs have declined by 60–70 bps since the year's start, with further reductions expected as borrowings are repriced.
Operating Leverage: Employee costs are up due to mid-management hiring, but management expects cost absorption and improved profitability as disbursements grow.
