Gilada Finance & Investments Ltd.
BSE: GILADAFINS · Non Banking Financial Company (NBFC)
Limited coverage
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Snapshot
Unlock Gilada Finance & Investments Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Gilada Finance and Investments Limited is a Bengaluru-based non-banking financial company providing credit solutions to underserved segments. The firm specialises in small-ticket personal loans, micro-enterprise business loans, and vehicle financing across South India.
Business Model
The company generates revenue through interest income on retail lending products, focusing on individuals and small business owners lacking access to traditional banking. It employs a localised branch-based model to manage credit assessment and recovery processes.
Management Commentary
Management maintains a conservative operational scale with a primary focus on preserving asset quality and achieving sustainable growth within the retail lending sector.
Growth Outlook
Growth is driven by expanding its footprint in the South Indian market and deepening penetration within the underserved retail and micro-enterprise segments.
Key Risks
- Credit Risk. The company faces potential defaults from its target segment of underserved borrowers who may have limited credit histories.
- Geographic Concentration. Operations are heavily concentrated in South India, making the company vulnerable to regional economic downturns or localised disruptions.
- Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations which may impact lending margins and operational compliance costs.
- Interest Rate Risk. Fluctuations in interest rates can affect the cost of funds and the net interest margins of the company's lending portfolio.
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Key Metrics
REVENUE
₹7 Cr
TTM · standalone
NET PROFIT
₹2 Cr
TTM · standalone
EPS
₹1.55
TTM · standalone
RETURN ON EQUITY
8.8%
TTM · standalone
P/E
8.8x
Q4 FY26 · standalone
NET PROFIT MARGIN
24.5%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Gilada Finance & Investments Ltd.GILADAFINS | ₹18 Cr | 8.26 | — | -0.8% | — | 8.8% | — | +10.9% |
Purple FinancePURPLEFIN | ₹433 Cr | -367.50 | — | 204.7% | — | -1.2% | — | +102.3% |
Akme Fintrade (India) LimitedAFIL | ₹401 Cr | 9.04 | — | 40.5% | — | 11.0% | — | +35.4% |
Moneyboxx Finance LimitedMONEYBOXX | ₹398 Cr | 237.38 | — | 5.9% | — | 0.5% | — | -57.2% |
Muthoot Capital Services LimitedMUTHOOTCAP | ₹395 Cr | 16.50 | — | 22.0% | — | 3.6% | — | -12.6% |
Avonmore Capital & Management Services LimitedAVONMORE | ₹392 Cr | 25.74 | — | 11.4% | — | 8.3% | — | -27.6% |
As of Q4 FY26
Financials
Gilada Finance & Investments Ltd.
BSE: GILADAFINS · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Gilada Finance & Investments Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Gilada Finance and Investments Limited is a Bengaluru-based non-banking financial company providing credit solutions to underserved segments. The firm specialises in small-ticket personal loans, micro-enterprise business loans, and vehicle financing across South India.
Business Model
The company generates revenue through interest income on retail lending products, focusing on individuals and small business owners lacking access to traditional banking. It employs a localised branch-based model to manage credit assessment and recovery processes.
Management Commentary
Management maintains a conservative operational scale with a primary focus on preserving asset quality and achieving sustainable growth within the retail lending sector.
Growth Outlook
Growth is driven by expanding its footprint in the South Indian market and deepening penetration within the underserved retail and micro-enterprise segments.
Key Risks
- Credit Risk. The company faces potential defaults from its target segment of underserved borrowers who may have limited credit histories.
- Geographic Concentration. Operations are heavily concentrated in South India, making the company vulnerable to regional economic downturns or localised disruptions.
- Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations which may impact lending margins and operational compliance costs.
- Interest Rate Risk. Fluctuations in interest rates can affect the cost of funds and the net interest margins of the company's lending portfolio.
Start your research today
Unlock AI insights, financials, peers and live data on Gilada Finance & Investments Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹7 Cr
TTM · standalone
NET PROFIT
₹2 Cr
TTM · standalone
EPS
₹1.55
TTM · standalone
RETURN ON EQUITY
8.8%
TTM · standalone
P/E
8.8x
Q4 FY26 · standalone
NET PROFIT MARGIN
24.5%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q4 FY26