Raama Finance

Why is Ramchandra Leasing and Finance Ltd falling/rising?

As of 16-Aug, Raama Finance Ltd's stock price is rising to 19.00, reflecting a 4.57% increase. This growth is driven by strong monthly and yearly performance, significantly outperforming the Sensex, despite a recent drop in investor participation.

As of 16-Aug, Raama Finance Ltd's stock price is rising, currently at 19.00, with a change of 0.83 (4.57%) upward. This increase can be attributed to several factors. The stock has shown a strong performance over the past month, with a return of +15.22%, significantly outperforming the Sensex, which only increased by +1.24% during the same period. Additionally, the stock has demonstrated impressive year-to-date growth of +111.58%, while the Sensex has declined by -8.46%. Over the past year, Raama Finance Ltd has achieved a remarkable return of +264.68%, contrasting sharply with the Sensex's -3.21% decline.<BR><BR>Moreover, the stock has been gaining consistently for the last three days, with a total return of 6.09% during this period. It is also trading above its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a strong upward trend. Despite a noted decrease in investor participation, with delivery volume falling by -51.05% against the 5-day average, the stock remains liquid enough for trading. Overall, these factors contribute to the rising stock price of Raama Finance Ltd.

Which are the latest news on Raama Finance?

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

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 details about their roles or the company, feel free to ask!

What does Raama Finance do?

Raama Finance Ltd is a digital lending institution in the NBFC sector, originally founded in 1993, with a market cap of INR 153 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 50.00 and a return on equity of 24.44%.

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 153 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 50.00<BR>- Industry P/E: 21<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 0.00<BR>- Return on Equity: 24.44%<BR>- Price to Book: 11.86<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 Upsurge Invest., Paul Merchants, Maha Rashtra Apx, Baid Finserv, Reliable Data, Vibrant Glo. Cap, Keynote Finan., and IBL Finance. Raama Finance leads with a 1-year return of 265.59%, while Paul Merchants has the lowest at -35.68%.

Peers: The peers of Raama Finance are Upsurge Invest., Paul Merchants, Maha Rashtra Apx, Baid Finserv, Reliable Data, Vibrant Glo. Cap, Keynote Finan., and IBL Finance.<BR><BR>Quality Snapshot: Excellent management risk is observed at Upsurge Invest., Paul Merchants, Maha Rashtra Apx, Baid Finserv, and Vibrant Glo. Cap, while Average management risk is found at Reliable Data, Keynote Finan., and the rest. Below Average management risk is noted at Raama Finance and IBL Finance. For Growth, Excellent growth is seen at Raama Finance and IBL Finance, while Below Average growth is present at Upsurge Invest., Paul Merchants, Maha Rashtra Apx, Baid Finserv, and the rest. Average growth is observed at Reliable Data, while Below Average growth is also noted at Vibrant Glo. Cap and Keynote Finan. Lastly, Excellent capital structure is found at Upsurge Invest., Paul Merchants, Maha Rashtra Apx, Baid Finserv, Raama Finance, Vibrant Glo. Cap, Keynote Finan., and IBL Finance, while Average capital structure is noted at Reliable Data.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Raama Finance at 265.59%, while the lowest is Paul Merchants at -35.68%. Raama Finance's 1-year return significantly outperforms all peers. Additionally, Reliable Data and Baid Finserv are among the peers whose six-month return is negative.

How big is Raama Finance?

As of 14th August, Raama Finance Ltd has a market capitalization of 153.80 Cr, classifying it as a Micro Cap company, with recent net sales of 0.26 Cr and no profit reported. Shareholder's funds are 5.61 Cr and total assets amount to 6.38 Cr.

As of 14th August, Raama Finance Ltd has a market capitalization of 153.80 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest two quarters, Raama Finance reported Net Sales of 0.26 Cr and a Net Profit of 0.00 Cr, indicating no profit during this period.<BR><BR>The latest annual period shows Shareholder's Funds of 5.61 Cr and Total Assets of 6.38 Cr.

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