Raama Finance

Why is Raama Finance Ltd falling/rising?

As of 31-Aug, Raama Finance Ltd's stock price is at 16.65, reflecting a decline of -2.8%. Despite a strong year-to-date performance, recent negative trends and decreased investor participation are contributing to the stock's current fall.

As of 31-Aug, Raama Finance Ltd's stock price is falling, currently at 16.65, which reflects a change of -0.48 or -2.8%. This decline is evident in the stock's recent performance, as it has underperformed its sector by 2.4% today. Over the past week, the stock has decreased by 3.98%, and over the past month, it has fallen by 12.32%. <BR><BR>Investor participation has also decreased, with the delivery volume on August 28 dropping by 28.53% compared to the 5-day average, indicating reduced interest from investors. Although the stock is trading above its 100-day and 200-day moving averages, it is below its 5-day, 20-day, and 50-day moving averages, suggesting a short-term downward trend. <BR><BR>Despite a strong year-to-date performance of +85.41% and a remarkable increase of +197.32% over the past year, the recent negative movements and declining investor participation are contributing to the current fall in the stock price.

Who are in the management team of Raama Finance?

The management team of Raama Finance consists of Pradeep Saremal Jain (Whole Time Director), Kishor Kumar (Non Executive Director), Champa Bhatia (Non Executive Independent Director), and Bharat Sen (Non Executive Independent Director).

The management team of Raama Finance includes the following individuals:<BR><BR>1. **Pradeep Saremal Jain** - Whole Time Director<BR>2. **Kishor Kumar** - Non Executive Director<BR>3. **Champa Bhatia** - Non Executive Independent Director<BR>4. **Bharat Sen** - Non Executive Independent Director<BR><BR>If you need more specific information about their roles or contributions, feel free to ask!

What does Raama Finance do?

Raama Finance Ltd is a digital lending institution in the NBFC sector, originally established in 1993, with a market cap of INR 139 Cr and reported net sales of 21 Cr and net profit of 4 Cr for June 2026. The company has a P/E ratio of 18.00 and a return on equity of 59.19%.

Overview:<BR>Raama Finance Ltd is a digital lending institution operating in the Non Banking Financial Company (NBFC) sector, categorized as a Micro Cap.<BR><BR>History:<BR>Raama Finance Ltd, originally incorporated as Ramchandra Leasing and Finance Private Limited in 1993, transitioned to a Public Limited Company in 1996. The latest quarterly results reported net sales and profit for June 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 21 Cr (Quarterly Results - Jun 2026)<BR>- Net Profit: 4 Cr (Quarterly Results - Jun 2026)<BR>- Market Cap: INR 139 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 18.00<BR>- Industry P/E: 21<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 0.00<BR>- Return on Equity: 59.19%<BR>- Price to Book: 11.02<BR><BR>Contact Details:<BR>Address: 201/1 Rudra Plaza, Dandia Bazar Main Road Vadodara Gujarat : 390001<BR>Tel: 91-0265-3268100<BR>Email: rlandfl@gmail.com<BR>Website: http://www.ramachandrafinance.com

Who are the peers of the Raama Finance?

Raama Finance's peers include Reliable Data, Keynote Finance, Apollo Finvest, J A Finance, Vibrant Global Capital, Sonal Mercantile, Escorp Asset Management, RSD Finance, and Trustedge Capital. Raama Finance leads in 1-year returns at 197.32%, while Apollo Finvest shows the lowest performance at -24.24%.

Peers: The peers of Raama Finance are Reliable Data, Keynote Finan., Apollo Finvest, J A Finance, Vibrant Glo. Cap, Sonal Mercantile, Escorp Asset Mgt, RSD Finance, Trustedgecapital.<BR><BR>Quality Snapshot: Excellent management risk is observed at Keynote Finan., Apollo Finvest, J A Finance, Vibrant Glo. Cap, Sonal Mercantile, Escorp Asset Mgt, RSD Finance, and Trustedgecapital, while Average management risk is found at Reliable Data and the rest. Growth ratings show that Raama Finance and Escorp Asset Mgt have Excellent growth, while Keynote Finan. and the rest have Below Average or Average growth. In terms of Capital Structure, Excellent ratings are noted for Keynote Finan., Apollo Finvest, J A Finance, Vibrant Glo. Cap, Sonal Mercantile, Escorp Asset Mgt, RSD Finance, Trustedgecapital, and the rest have Average ratings.<BR><BR>Return Snapshot: Raama Finance has the highest 1-year return at 197.32%, while Apollo Finvest has the lowest at -24.24%, indicating a significant difference in performance. Raama Finance's return is substantially higher than all peers. Additionally, the peers with negative six-month returns include Apollo Finvest, Sonal Mercantile, and Trustedgecapital.

How big is Raama Finance?

As of 31st August, Raama Finance Ltd has a market capitalization of 139.00 Cr, with recent net sales of 0.26 Cr and a net profit loss of 0.00 Cr. Shareholder's funds are 5.61 Cr, and total assets are valued at 6.38 Cr as of March 2025.

As of 31st August, Raama Finance Ltd has a market capitalization of 139.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In terms of recent quarterly performance, the sum of Net Sales for the latest two quarters is 0.26 Cr, while the sum of Net Profit for the same period is a loss of 0.00 Cr.<BR><BR>The latest reporting period for the balance sheet is March 2025, with Shareholder's Funds amounting to 5.61 Cr and Total Assets valued at 6.38 Cr.

Which are the latest news on Raama Finance?

Should I buy, sell or hold Ramchandra Leasing and Finance Ltd?

When is the next results date for Ramchandra Leasing and Finance Ltd?

The next results date for Ramchandra Leasing and Finance Ltd is 13 August 2026.

The next results date for Ramchandra Leasing and Finance Ltd is scheduled for 13 August 2026.

Is Ramchandra Leas. overvalued or undervalued?

As of November 19, 2025, Ramchandra Leas. is considered very expensive with a PE ratio of 349.48 and a PEG ratio of 0.29, indicating it is overvalued compared to peers like Bajaj Finance and Life Insurance, despite a 320.85% return over the past year.

As of 19 November 2025, the valuation grade for Ramchandra Leas. has moved from expensive to very expensive. The company is currently overvalued, with a PE ratio of 349.48, an EV to EBIT of 43.11, and a ROE of just 1.04%. These metrics indicate a significant premium over its peers, such as Bajaj Finance, which has a PE ratio of 34.23, and Life Insurance, with a PE of 11.32.<BR><BR>In comparison to its industry, Ramchandra Leas. stands out with its exceptionally high valuation ratios, making it very expensive relative to its peers. The PEG ratio of 0.29 suggests that despite the high price, growth expectations may not justify the valuation. Additionally, while the stock has significantly outperformed the Sensex in recent periods, including a staggering 320.85% return over the past year, this performance does not align with the fundamental valuation metrics, reinforcing the conclusion that the company is overvalued.

How has been the historical performance of Ramchandra Leas.?

Ramchandra Leas has seen a decline in net sales and total operating income from 0.62 Cr in Mar'20 to 0.38 Cr in Mar'25, while total expenditure also decreased, indicating cost management. Operating profit remained stable, with profit after tax at 0.02 Cr in Mar'25, and cash balances improved from 0.01 Cr to 0.17 Cr, reflecting better liquidity.

Answer:<BR>The historical performance of Ramchandra Leas shows a declining trend in net sales and total operating income over the years, with figures decreasing from 0.62 Cr in Mar'20 to 0.38 Cr in Mar'25. The total expenditure has also decreased from 0.58 Cr in Mar'20 to 0.36 Cr in Mar'25, indicating a reduction in costs. Operating profit (PBDIT) has remained relatively stable, fluctuating slightly but ending at 0.02 Cr in Mar'25, the same as in Mar'24 and Mar'23. Profit after tax has shown slight improvement, reaching 0.02 Cr in Mar'25, consistent with the previous year, but lower than 0.06 Cr in Mar'19. The company has maintained a consistent equity capital of 5.12 Cr over the years, while reserves have increased from 0.29 Cr in Mar'19 to 0.50 Cr in Mar'25. The total liabilities have decreased from 6.94 Cr in Mar'20 to 6.38 Cr in Mar'25, and total assets have followed a similar trend, decreasing from 6.94 Cr in Mar'20 to 6.38 Cr in Mar'25. Cash and bank balances have improved slightly from 0.01 Cr in Mar'20 to 0.17 Cr in Mar'25, reflecting a modest increase in liquidity.<BR><BR>Breakdown:<BR>Ramchandra Leas has experienced a decline in net sales from 0.62 Cr in Mar'20 to 0.38 Cr in Mar'25, indicating a downward trend in revenue generation. Total operating income has mirrored this decline, dropping from 0.62 Cr to 0.38 Cr over the same period. Despite the decrease in sales, total expenditure has also reduced from 0.58 Cr to 0.36 Cr, suggesting cost management efforts. Operating profit has remained relatively stable, with a slight increase in profit after tax to 0.02 Cr in Mar'25, consistent with the previous two years. The company's equity capital has remained unchanged at 5.12 Cr, while reserves have grown to 0.50 Cr, reflecting a strengthening of the financial position. Total liabilities and assets have both decreased, indicating a contraction in the balance sheet, with total liabilities falling to 6.38 Cr and total assets to 6.38 Cr by Mar'25. Cash and bank balances have improved, suggesting enhanced liquidity, rising from 0.01 Cr in Mar'20 to 0.17 Cr in Mar'25.

Who are the top shareholders of the Ramchandra Leas.?

The top shareholders of Ramchandra Leas are primarily individual investors, holding 68.82% of the shares, with Dipeshkumar Ravjibhai Patel as the largest promoter at 2.17%. There are no pledged promoter holdings, mutual funds, or foreign institutional investors involved.

The top shareholders of Ramchandra Leas primarily consist of individual investors, who hold a significant 68.82% of the shares. The promoter with the highest holding is Dipeshkumar Ravjibhai Patel, who owns 2.17% of the company. There are no pledged promoter holdings, and the company does not have any mutual funds or foreign institutional investors holding shares. Overall, the majority of the shares are held by non-institutional investors.

What is the technical trend for Ramchandra Leas.?

As of May 6, 2025, Ramchandra Leas shows a mildly bullish trend overall, supported by daily moving averages and the monthly MACD, despite mixed signals from the weekly MACD and Bollinger Bands indicating some bearishness.

As of 6 May 2025, the technical trend for Ramchandra Leas has changed from bullish to mildly bullish. The weekly MACD is mildly bearish, while the monthly MACD remains bullish, indicating mixed signals across time frames. The Bollinger Bands show a bearish stance on the weekly chart but a mildly bullish outlook on the monthly chart. Daily moving averages are mildly bullish, supporting a short-term positive view. The KST is mildly bearish on the weekly and bullish on the monthly, further contributing to the mixed sentiment. Overall, the current technical stance is mildly bullish, driven primarily by the daily moving averages and the monthly MACD, despite the bearish indicators on the weekly charts.

Has Ramchandra Leas. declared dividend?

No Dividend History Available