CSL Finance Limited, formerly known as Consolidated Securities Limited, was incorporated on December 28, 1992, and subsequently changed its name to CSL Finance Limited in January 2016. The company is headquartered in Noida, India. As a Non-Banking Finance Company (NBFC) registered with the Reserve Bank of India, it is publicly listed on both the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE).
CSL Finance positions itself as a comprehensive financial solution provider for Small and Medium-Sized Enterprises (SMEs), real estate developers, and other corporate entities. The company specializes in offering a diverse range of secured loan products, focusing primarily on SME and wholesale lending businesses across India.
CSL Finance operates through two primary business segments, delivering tailored lending solutions to its diverse clientele:
This segment provides structured finance solutions predominantly for real estate developers and corporate clients. Products include:
- Loans Against Property and Securities: Secured financing leveraging existing assets.
- Loans for Small Builders: Encompassing construction finance, refinance options, and inventory funding, often partnering directly with developers.
- Corporate Loans: Featuring construction-linked disbursal plans and principal moratorium facilities to support project timelines.
- Emergency Credit Line Guarantee Scheme (ECLGS): Participating in government-backed schemes to provide relief and support.
Targeting small and mid-sized enterprises, this segment offers a range of customized loan products designed to meet various business needs. These include:
- Pragati, Shakti, Samadhan, Saarthak, Nirman, and Unnati: Specific product offerings tailored for SMEs.
- Mid-Sized Loan Against Property (LAP): Providing secured loans against property for mid-sized businesses.
- Loan Amounts & Tenure: Catering to ticket sizes ranging from ₹2 Lakh to ₹50 Lakhs, with tenures extending up to 10 years.
- Target Clientele: Primarily serving Kiryana Traders, Small Shopkeepers, and self-employed non-professionals who often face challenges in accessing traditional financial assistance.
CSL Finance demonstrates consistent growth in its financial metrics. As of March 2025, the company commanded a market capitalization of ₹722 crore, although this represented a decline of 23.1% over the preceding year.
Key Financial Highlights (FY2024-25 vs. FY2023-24):
- Revenue: Achieved sales of ₹215.06 crore in the year ended March 2025, marking a significant growth of 29.83% compared to ₹165.65 crore in the previous year (FY2023-24).
- Net Profit: Rose by 13.78% to ₹72.09 crore in FY2024-25, up from ₹63.36 crore in FY2023-24.
Quarterly Performance (Q4 FY2024-25 vs. Q4 FY2023-24):
- Net Profit: Increased by 2.21% to ₹18.98 crore.
- Sales: Rose by 21.18% to ₹56.53 crore.
- Revenue (FY2024-25): ₹215.06 crore
- Net Profit (FY2024-25): ₹72.09 crore
- Market Capitalization: ₹722 crore (as of March 2025)
- Price-to-Earnings Ratio (P/E): 9.98
- Price-to-Book Ratio (P/B): 1.52
- Final Dividend Recommendation (FY2024-25): INR 3 per share
CSL Finance has shown robust growth in its Assets Under Management (AUM):
- March 2022: The company successfully crossed ₹500 crore in total AUM and ₹100 crore in its retail loan book AUM.
- Subsequent Growth: CSL Finance further expanded its AUM beyond ₹700 crore, demonstrating strong portfolio expansion.
- Equity Infusion & Product Diversification: Raised ₹49 crore in equity capital and launched its first unsecured loan product, indicating strategic moves towards broader financial offerings.
The promoter holding in CSL Finance Ltd has shown minor fluctuations:
- March 2025: Promoter holding increased to 47.56% from 47.44% as of June 2024.
- Long-term Trend: Over the last 3 years, promoter holding has decreased by 3.77%, currently standing at 47.6%. This indicates a relatively stable, albeit slightly decreasing, promoter commitment over the longer term.
CSL Finance is driven by a dedicated team of professionals with extensive experience in both wholesale and SME lending. The company leverages over two decades of industry expertise to deeply understand the financial challenges faced by SMEs and design innovative workflows that cater to their specific needs.
Operational Strengths:
- Efficient Loan Disbursement: The company prides itself on a quick and flexible loan disbursement process, characterized by minimal documentation requirements, ensuring timely financial assistance for customers.
- Market Research & Risk Management: CSL conducts comprehensive market research and maintains a keen understanding of market dynamics and associated risks. Its team collaborates effectively to minimize project risks by thorough due diligence and strategic financing.
- Customer-Centric Approach: A strong commitment to operational excellence and superior customer service positions CSL Finance as a reliable and accessible partner for SMEs and corporate borrowers seeking secured lending solutions within the Indian market.
