Real Touch Fin

how big is Real Touch Fin?

As of Jun 05, 2023, Real Touch Finance Ltd. has a market capitalization of 71.00 Cr and reported net sales of 28.06 Cr with a net profit of 4.61 Cr for the latest four quarters.

Market Cap: As of Jun 05, 2023, Real Touch Finance Ltd. has a market capitalization of 71.00 Cr, classified as a Micro Cap.<BR><BR>Recent Quarterly Performance: For the latest 4 quarters, the company reported Net Sales of 28.06 Cr and a Net Profit of 4.61 Cr. This data is based on Standalone financials.<BR><BR>Balance Sheet Snapshot: The Balance Sheet data is Standalone and pertains to the reporting period of Mar 2024. Shareholder's Funds are valued at 41.83 Cr, while Total Assets amount to 192.09 Cr.

What does Real Touch Fin do?

Real Touch Finance Ltd. is a Non Banking Financial Company (NBFC) that provides loans, with a market cap of Rs 71 Cr. As of March 2025, it reported net sales of 8 Cr and a net profit of 1 Cr.

Overview:<BR>Real Touch Finance Ltd. is a Non Banking Financial Company (NBFC) engaged in providing loans, categorized as a Micro Cap.<BR><BR>History:<BR>The company was incorporated on December 27, 1984, originally under the name Associated Ceramics Limited, which was changed to Real Touch Finance Limited in 2015. The latest quarterly results reported net sales and profit for the period ending March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 8 Cr (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 1 Cr (Quarterly Results - Mar 2025)<BR>Market-cap value: Rs 71 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 15.00<BR>Industry P/E: 85<BR>Dividend Yield: 0.00%<BR>Debt Equity: 3.50<BR>Return on Equity: 9.80%<BR>Price to Book: 1.51<BR><BR>Contact Details:<BR>Address: Arihant Encl.Grd Flr 493B/57A, G T Road(South) Shibpur Howrah West Bengal : 711102<BR>Tel: 91-33-26402042<BR>Email: acaasm@rediffmail.com<BR>Website: http://www.realtouchfinance.com

Who are in the management team of Real Touch Fin?

As of March 2018, the management team of Real Touch Fin includes Binod Chand Kankaria (Managing Director), Anant Bhagat (Promoter & Non-Executive Director), Shrish Tapuriah, Rajesh Kumar Sethia (Independent Director), Anny Jain (Non-Executive Director), and Priyanka Singh (Company Secretary).

As of March 2018, the management team of Real Touch Fin includes the following members:<BR><BR>1. Binod Chand Kankaria - Managing Director<BR>2. Anant Bhagat - Promoter & Non-Executive Director<BR>3. Shrish Tapuriah - Non-Executive Director<BR>4. Rajesh Kumar Sethia - Non-Executive Independent Director<BR>5. Anny Jain - Non-Executive Director<BR>6. Priyanka Singh - Company Secretary<BR><BR>These individuals play key roles in the governance and management of the company.

Has Real Touch Fin declared dividend?

No Dividend History Available

Who are the peers of the Real Touch Fin?

Real Touch Fin's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Ceejay Finance, NCL Res. & Finl., Dhruva Cap.Serv., and KBS India. Real Touch Fin has excellent growth and below-average management risk compared to its peers, with a 1-year return of 16.83%.

Peers: The peers of Real Touch Fin are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Ceejay Finance, NCL Res. & Finl., Dhruva Cap.Serv., KBS India.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial. Good management risk is noted at Shriram Finance, and the rest have Below Average management risk, including Real Touch Fin, NCL Res. & Finl., Dhruva Cap.Serv., Ceejay Finance, and KBS India. Growth is Excellent at Real Touch Fin, while Good growth is seen at Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, and Lak. Fin. & Indl, and the rest have Average or Below Average growth. Capital Structure is Excellent at Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, Ceejay Finance, Real Touch Fin, NCL Res. & Finl., Dhruva Cap.Serv., and KBS India, while Cholaman.Inv.&Fn has Good capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bajaj Finance at 30.39%, while the lowest is Dhruva Cap.Serv. at -60.93%. Real Touch Fin's 1-year return of 16.83% is higher than that of Dhruva Cap.Serv. and KBS India, which also has a negative six-month return.

What is the technical trend for Real Touch Fin?

As of May 13, 2025, Real Touch Fin's technical trend is mildly bearish, with mixed signals from indicators like the MACD and Bollinger Bands showing both bullish and bearish tendencies.

As of 13 May 2025, the technical trend for Real Touch Fin has changed from bearish to mildly bearish. The weekly MACD is mildly bullish, while the monthly MACD is mildly bearish, indicating mixed signals. The Bollinger Bands are mildly bullish on both weekly and monthly time frames, suggesting some upward momentum. However, the daily moving averages are mildly bearish, which adds to the cautious outlook. The KST shows a mildly bullish stance weekly but is mildly bearish monthly, further contributing to the mixed signals. Overall, the current technical stance is mildly bearish, with key indicators reflecting a lack of strong momentum in either direction.

Who are the top shareholders of the Real Touch Fin?

The top shareholder of Real Touch Fin is Ultraplus Housing Estate Private Limited, holding 54.12%. Awadh Heemghar Private Limited is the largest public shareholder at 2.34%, while individual investors own 11.16% of the shares.

The top shareholders of Real Touch Fin are primarily the promoters, with Ultraplus Housing Estate Private Limited holding the largest stake at 54.12%. There are no pledged promoter holdings, and mutual funds and foreign institutional investors do not hold any shares in the company. The highest public shareholder is Awadh Heemghar Private Limited, which owns 2.34%. Additionally, individual investors collectively hold 11.16% of the shares.

When is the next results date for Real Touch Fin?

The next results date for Real Touch Fin is August 4, 2025.

The next results date for Real Touch Fin is scheduled for August 4, 2025.

Is Real Touch Fin overvalued or undervalued?

As of November 10, 2025, Real Touch Fin is considered undervalued with an attractive valuation grade, highlighted by a PE ratio of 12.65, strong growth potential indicated by a PEG ratio of 0.16, and solid long-term performance of 197.45%, despite recent underperformance compared to the Sensex.

As of 10 November 2025, the valuation grade for Real Touch Fin has moved from fair to attractive, indicating a more favorable outlook for the company. The company is currently assessed as undervalued, particularly given its PE ratio of 12.65, EV to EBIT of 10.80, and a PEG ratio of just 0.16, which suggests strong growth potential relative to its price. <BR><BR>In comparison to its peers, Real Touch Fin stands out with a significantly lower PE ratio than Bajaj Finance, which is at 38.76, and a more attractive EV to EBITDA ratio compared to Bajaj Finserv at 13.13. Additionally, the company's ROE of 10.44% and ROCE of 9.41% further support its valuation position. Despite recent stock performance trailing the Sensex, with a YTD return of -40.69% compared to the Sensex's 6.91%, the long-term performance of 197.45% over three years suggests a strong recovery potential.

Are Real Touch Fin latest results good or bad?

Real Touch Finance's latest results show strong revenue growth and a significant increase in net profit, but declining operating margins and heavy reliance on non-operating income raise concerns about sustainability, indicating a mixed performance overall.

Real Touch Finance's latest results present a mixed picture. On one hand, the company reported a net profit of ₹2.02 crores for Q2 FY26, which is a significant increase of 72.65% year-on-year and a 50.75% rise from the previous quarter. Additionally, revenue growth was strong, with net sales reaching ₹8.67 crores, reflecting a 27.13% increase year-on-year and a 5.99% increase quarter-on-quarter. This marks the eighth consecutive quarter of revenue growth, indicating a solid demand for its lending products.<BR><BR>However, there are notable concerns regarding operational efficiency. The operating margin has sharply declined to 49.25%, down from 71.64% in the previous quarter, which raises questions about the sustainability of profitability. A significant portion of the profit before tax—92.22%—came from non-operating income, suggesting that the core lending operations are not generating sufficient profit on their own.<BR><BR>Overall, while the headline figures for profit and revenue growth appear positive, the underlying operational challenges and heavy reliance on non-core income are critical red flags. This combination of strong revenue growth but declining margins and sustainability issues indicates that the results are not entirely good and warrant caution moving forward.

How has been the historical performance of Real Touch Fin?

Real Touch Fin has shown significant growth in net sales and profitability, with net sales increasing from 2.36 Cr in Mar'22 to 28.67 Cr in Mar'25, and profit after tax rising from 1.45 Cr to 4.61 Cr. However, the company faces challenges with negative cash flow and rising liabilities, which grew from 36.87 Cr to 228.84 Cr during the same period.

Answer:<BR>The historical performance of Real Touch Fin shows significant growth in net sales and profitability over the years.<BR><BR>Breakdown:<BR>Real Touch Fin has demonstrated a remarkable increase in net sales, rising from 2.36 Cr in Mar'22 to 28.67 Cr in Mar'25. This growth is reflected in total operating income, which also surged from 2.41 Cr in Mar'22 to 28.67 Cr in Mar'25. The company's operating profit (PBDIT) has improved from 1.94 Cr in Mar'22 to 5.96 Cr in Mar'25, although the operating profit margin has decreased from 82.2% to 20.06% during the same period. Profit before tax has increased from 1.95 Cr in Mar'22 to 5.66 Cr in Mar'25, leading to a profit after tax of 4.61 Cr in Mar'25, up from 1.45 Cr in Mar'22. The company's total liabilities have grown from 36.87 Cr in Mar'22 to 228.84 Cr in Mar'25, primarily due to an increase in short-term borrowings, which rose from 0.00 Cr in Mar'22 to 164.51 Cr in Mar'25. Cash flow from operating activities has remained negative, with a cash outflow of 26.00 Cr in Mar'25, although cash and cash equivalents at the end of Mar'25 stood at 1.00 Cr, down from 2.00 Cr in Mar'24. Overall, Real Touch Fin's financial performance indicates a strong upward trajectory in sales and profitability, despite challenges in cash flow management and increasing liabilities.

Should I buy, sell or hold Real Touch Finance Ltd.?

Which are the latest news on Real Touch Fin?

Why is Real Touch Finance Ltd. falling/rising?

As of 01-Feb, Real Touch Finance Ltd. is seeing its stock price at Rs 45.00, with a 4.65% gain today and a 6.34% outperformance against its sector. This rise follows strong financial results and increased investor interest, although the stock remains below its moving averages, indicating potential long-term challenges.

As of 01-Feb, Real Touch Finance Ltd. is experiencing a rise in its stock price, currently at Rs 45.00, with no change from the previous close. The stock has shown a performance today that outperformed its sector by 6.34%, indicating positive momentum. Notably, it opened with a gain of 4.65% and reached an intraday high of Rs 45, suggesting a trend reversal after five consecutive days of decline.<BR><BR>Despite the recent downturn, the company has demonstrated strong financial performance over the last 12 quarters, with a significant growth in profit after tax (PAT) of 52.04% and net sales growth of 27.27% in the latest six months. The earnings per share (EPS) reached its highest at Rs 1.59, and the company maintains an attractive valuation with a return on equity (ROE) of 12.2 and a price to book value of 1.2, which is favorable compared to its peers.<BR><BR>Additionally, there has been a notable increase in investor participation, with delivery volume rising by 49.7% against the five-day average, indicating renewed interest in the stock. However, it is important to note that the stock is currently trading below its moving averages across various time frames, which may suggest underlying weaknesses.<BR><BR>In summary, the stock's rise today can be attributed to a combination of positive financial results, increased investor participation, and a reversal of the recent downward trend, despite the long-term challenges it faces.