CSL Finance Ltd. – Company Report
1. Company Overview
CSL Finance Ltd., established in 1992 and headquartered in Noida, Uttar Pradesh, is a publicly listed non-banking financial company (NBFC) registered with the Reserve Bank of India. From its roots as Consolidated Securities Limited, CSL has evolved into a prominent lender for small and medium-sized enterprises (SMEs), as well as real estate and non-real estate corporates. With a strong team of professionals and established expertise in both wholesale and retail lending, the company operates a wide branch network across six Indian states, focusing on fast, secured, and flexible financial solutions. CSL Finance is dedicated to bridging the credit gap for entrepreneurs and small businesses by offering secured loan products tailored to their specific needs.
Key Highlights:
- Incorporated: 1992
- Headquarters: Noida, Uttar Pradesh, India
- Certification: RBI registered NBFC, listed on BSE and NSE
- Core Focus: SME finance, wholesale lending, loan against property, bridge and structured finance
- Key Sectors Served: SMEs across education, medical, agriculture, trading, manufacturing, real estate, and professional services
- Network: Presence in 6 states with over 42 branches
- Market Capitalization (July 2025): ~₹727 crore
2. Products and Services
CSL Finance Ltd. delivers a suite of secured and semi-secured financial products tailored to meet the varied funding needs of India's SMEs and corporates.
Product Categories:
- Wholesale Loans: Structured finance for real estate developers and mid-sized corporates, with loans up to ₹50 crore and flexible terms.
- SME Loans: Collateral-based business loans for small traders, manufacturers, professionals, and service providers, with ticket sizes up to ₹50 lakh.
- Loan Against Property: Lending secured against commercial or residential properties for business expansion, working capital, or other needs.
- Bridge Loans: Short-term funding solutions for liquidity needs or gap financing.
- Customized Offerings: Solutions designed for unbanked and underserved sectors, with risk-based pricing and tailored repayment terms.
Business Model and Technology:
- Focused on high-growth, under-served geographies.
- Robust credit appraisal and monitoring systems.
- Digital and branch-based onboarding, application, and loan management for client convenience.
End-Use Applications:
- Capacity expansion, working capital funding, asset purchases, and debt refinancing for SMEs.
- Project finance and funding for real estate development.
- Financial support for sectors such as education, healthcare, FMCG trading, agriculture, and professional services.
CSL differentiates itself through its hybrid approach—combining deep domain expertise in structured and retail lending with fast processing, easy documentation, and customer-centric solutions.
3. Recent News & Financial Performance
CSL Finance Ltd. continues to expand its footprint and accelerate its growth, consistently recording robust financial performance and portfolio expansion.
Q4 FY2025 (Mar 2025) Highlights
- Net Sales: ₹56.68 Cr (↑21.18% YoY)
- Profit After Tax: ₹18.98 Cr (↑13.1% YoY)
- Net Profit Margin: 33.5%
- EBIT Margin: 75.7%
4. Financial Performance
| Metric | FY2025 |
|---|---|
| Revenue | ₹215 Cr |
| Net Profit | ₹72 Cr |
| EPS | ₹31.64 |
| ROE | 14% |
| AUM | ₹1,197 Cr |
| Dividend Yield | 0.82% |