Karnavati Financ
BSE: KARNAVATI · 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 Karnavati Financ's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Karnavati Finance Limited is a Gujarat-based non-banking financial company (NBFC) that provides personal and business loans to individuals and small to medium-sized enterprises. It operates as a micro-cap entity listed on the Bombay Stock Exchange, focusing on bridging the credit gap for underserved populations.
Business Model
The company generates revenue primarily through interest income earned from its lending portfolio and strategic investments in various financial instruments. It operates as a non-deposit taking NBFC, adhering to regulatory guidelines set by the Reserve Bank of India.
Growth Outlook
Growth is expected to be driven by the expansion of its retail lending and micro-finance segments to underserved markets. The company continues to focus on maintaining regulatory compliance while scaling its credit facilities.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on their personal or business loan obligations.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving Reserve Bank of India guidelines that may impact its operational flexibility.
- Interest Rate Risk. Fluctuations in market interest rates can affect the company's net interest margins and the cost of borrowing.
- Liquidity Risk. As a micro-cap entity, the company may face challenges in accessing capital markets or maintaining sufficient liquidity to meet its lending commitments.
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Key Metrics
REVENUE
₹6 Cr
TTM · standalone
NET PROFIT
₹-6 Cr
TTM · standalone
EPS
₹-0.59
TTM · standalone
RETURN ON EQUITY
-67.3%
TTM · standalone
P/E
-2.4x
Q4 FY26 · standalone
NET PROFIT MARGIN
-222.7%
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 |
|---|---|---|---|---|---|---|---|---|
Karnavati FinancKARNAVATI | ₹13 Cr | -2.27 | — | 260.1% | — | -67.3% | — | -4.3% |
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
Karnavati Financ
BSE: KARNAVATI · 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 Karnavati Financ's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Karnavati Finance Limited is a Gujarat-based non-banking financial company (NBFC) that provides personal and business loans to individuals and small to medium-sized enterprises. It operates as a micro-cap entity listed on the Bombay Stock Exchange, focusing on bridging the credit gap for underserved populations.
Business Model
The company generates revenue primarily through interest income earned from its lending portfolio and strategic investments in various financial instruments. It operates as a non-deposit taking NBFC, adhering to regulatory guidelines set by the Reserve Bank of India.
Growth Outlook
Growth is expected to be driven by the expansion of its retail lending and micro-finance segments to underserved markets. The company continues to focus on maintaining regulatory compliance while scaling its credit facilities.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on their personal or business loan obligations.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving Reserve Bank of India guidelines that may impact its operational flexibility.
- Interest Rate Risk. Fluctuations in market interest rates can affect the company's net interest margins and the cost of borrowing.
- Liquidity Risk. As a micro-cap entity, the company may face challenges in accessing capital markets or maintaining sufficient liquidity to meet its lending commitments.
Start your research today
Unlock AI insights, financials, peers and live data on Karnavati Financ and 5,000+ companies — free.
Key Metrics
REVENUE
₹6 Cr
TTM · standalone
NET PROFIT
₹-6 Cr
TTM · standalone
EPS
₹-0.59
TTM · standalone
RETURN ON EQUITY
-67.3%
TTM · standalone
P/E
-2.4x
Q4 FY26 · standalone
NET PROFIT MARGIN
-222.7%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q4 FY26