Real Touch Finance Limited
BSE: RTFL · Other Financial Services
Limited coverage
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Snapshot
Unlock Real Touch Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Real Touch Finance Limited is a Kolkata-based non-banking financial company that provides commercial and consumer loans. It serves both individuals and corporate entities through products such as personal loans, business loans, and consumer durable financing.
Business Model
The company generates revenue primarily through interest income derived from its lending portfolio. It focuses on serving underserved market segments while maintaining a lean operational structure.
Management Commentary
Management emphasises the importance of credit risk management to sustain operations within the competitive Indian NBFC sector.
Growth Outlook
Growth is expected to be driven by the company's focus on addressing the credit needs of underserved market segments. The firm aims to leverage its capital base to expand its lending activities.
Key Risks
- Credit Risk. The company faces the risk of loan defaults from its target underserved market segments, which could impact asset quality.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India.
- Interest Rate Risk. Fluctuations in market interest rates may affect the company's net interest margins and cost of borrowing.
- Market Competition. The highly competitive Indian financial services sector poses a challenge to maintaining market share and profitability.
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Key Metrics
REVENUE
₹37 Cr
TTM · standalone
NET PROFIT
₹5 Cr
TTM · standalone
EPS
₹4.09
TTM · standalone
RETURN ON EQUITY
10.7%
TTM · standalone
P/E
11.5x
Q4 FY26 · standalone
NET PROFIT MARGIN
8.6%
Q4 FY26 · standalone
Peers · Other Financial Services
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Real Touch Finance LimitedRTFL | ₹60 Cr | 11.55 | — | 28.7% | 67.8% | 10.7% | — | -3.6% |
Stellant Securities (India) LimitedSTELLANT | ₹597 Cr | 26.16 | — | 909.8% | 18.8% | 243.0% | — | +78.8% |
The Investment Trust Of India LimitedTHEINVEST | ₹496 Cr | 14.89 | — | -22.3% | 20.0% | 5.1% | — | -37.8% |
Regency FincorpREGENCY | ₹407 Cr | 26.44 | — | 72.7% | 69.0% | 10.2% | — | +21.6% |
NDL VenturesNDLVENTURE | ₹403 Cr | 748.13 | — | — | — | 1.3% | — | +32.6% |
Shree Salasar Investment Ltd.SALSAIN | ₹256 Cr | 13.87 | — | 171.2% | 27.0% | 33.2% | — | — |
As of Q4 FY26
Financials
Real Touch Finance Limited
BSE: RTFL · Other Financial Services
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Real Touch Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Real Touch Finance Limited is a Kolkata-based non-banking financial company that provides commercial and consumer loans. It serves both individuals and corporate entities through products such as personal loans, business loans, and consumer durable financing.
Business Model
The company generates revenue primarily through interest income derived from its lending portfolio. It focuses on serving underserved market segments while maintaining a lean operational structure.
Management Commentary
Management emphasises the importance of credit risk management to sustain operations within the competitive Indian NBFC sector.
Growth Outlook
Growth is expected to be driven by the company's focus on addressing the credit needs of underserved market segments. The firm aims to leverage its capital base to expand its lending activities.
Key Risks
- Credit Risk. The company faces the risk of loan defaults from its target underserved market segments, which could impact asset quality.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India.
- Interest Rate Risk. Fluctuations in market interest rates may affect the company's net interest margins and cost of borrowing.
- Market Competition. The highly competitive Indian financial services sector poses a challenge to maintaining market share and profitability.
Start your research today
Unlock AI insights, financials, peers and live data on Real Touch Finance Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹37 Cr
TTM · standalone
NET PROFIT
₹5 Cr
TTM · standalone
EPS
₹4.09
TTM · standalone
RETURN ON EQUITY
10.7%
TTM · standalone
P/E
11.5x
Q4 FY26 · standalone
NET PROFIT MARGIN
8.6%
Q4 FY26 · standalone
Peers · Other Financial Services
As of Q4 FY26