RSD Finance

Who are in the management team of RSD Finance?

As of March 2018, the management team of RSD Finance includes Rajeev Singh Dugal (Managing Director), Upneet Dugal (Executive Director), and four Non-Executive Independent Directors: Sushil Kumar Khowala, Malkeet Singh Saini, and Jayesh Taunk, along with Puja Choudhary as Company Secretary & Compliance Officer. This team oversees the company's operations and governance.

As of March 2018, the management team of RSD Finance includes the following members:<BR><BR>1. Rajeev Singh Dugal - Managing Director<BR>2. Sushil Kumar Khowala - Non Executive Independent Director<BR>3. Malkeet Singh Saini - Non Executive Independent Director<BR>4. Upneet Dugal - Executive Director<BR>5. Jayesh Taunk - Non Executive Independent Director<BR>6. Puja Choudhary - Company Secretary & Compliance Officer<BR><BR>This team is responsible for overseeing the operations and governance of the company.

What does RSD Finance do?

RSD Finance Ltd is a Non-Banking Financial Company (NBFC) established in 1963, focused on providing loans and acquiring financial securities, with a market cap of Rs 137 Cr. As of March 2025, it reported net sales of 37 Cr and a net profit of 0 Cr.

Overview: <BR>RSD Finance Ltd is a Non-Banking Financial Company (NBFC) operating in the micro-cap market, primarily engaged in providing loans and advances as well as acquiring various financial securities.<BR><BR>History: <BR>RSD Finance Ltd was incorporated on February 4, 1963. The company is registered with the RBI as a Non-Banking Financing Company. The latest quarterly results reported net sales and profit for the period ending March 2025.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 37 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 0 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 137 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 10.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.10 <BR>Return on Equity: 6.25% <BR>Price to Book: 0.65 <BR><BR>Contact Details: <BR>Address: HNo 4 The Alcor Hotel, Ramdas Bhatta Bistupur Jamshedpur Jharkhand : 831001 <BR>Email: rsdfinance.ltd@gmail.com <BR>Website: http://www.rsdfinancelimited.com

Has RSD Finance declared dividend?

No Dividend History Available

Who are the peers of the RSD Finance?

RSD Finance's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, TruCap Finance, Baid Finserv, Indian Infotech, and Credent Global. Bajaj Finance leads in management quality and growth, while RSD Finance has average growth and a 1-year return of 9.40%.

Peers: The peers of RSD Finance are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, TruCap Finance, Baid Finserv, Indian Infotech, and Credent Global.<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 and Shriram Finance. Good management risk is noted at Shriram Finance, and the rest have Below Average management risk. Growth is Excellent for Jio Financial and TruCap Finance, Good for Bajaj Finance and Cholaman.Inv.&Fn, Average for RSD Finance, and the rest have Below Average growth. Capital Structure is Excellent at Bajaj Finance, Jio Financial, Muthoot Finance, Shriram Finance, TruCap Finance, and Credent Global, while Good is noted at Cholaman.Inv.&Fn, and the rest have Below Average capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bajaj Finance at 30.45%, while the lowest is TruCap Finance at -79.46%. RSD Finance's 1-year return is 9.40%, which is higher than TruCap Finance but lower than Bajaj Finance. Additionally, the peers with negative six-month returns include TruCap Finance, Baid Finserv, Indian Infotech, and Credent Global.

Is RSD Finance overvalued or undervalued?

As of May 26, 2025, RSD Finance is considered an attractive investment due to its undervalued status with a PE ratio of 10.34 and favorable EV metrics, despite a year-to-date return of -43.94% compared to the Sensex's 5.62%.

As of 26 May 2025, the valuation grade for RSD Finance has moved from very attractive to attractive, indicating a shift in its perceived value. The company is currently assessed as undervalued, with a PE ratio of 10.34, an EV to EBIT of 6.26, and an EV to EBITDA of 4.74. These metrics suggest that RSD Finance is trading at a discount compared to its earnings and cash flow generation capabilities.<BR><BR>In comparison to its peers, RSD Finance's valuation appears favorable, particularly when looking at its PE ratio and EV to EBITDA, which are in line with industry standards. For instance, a peer in the same sector has a PE ratio of approximately 10.34 and an EV to EBITDA of around 4.74, reinforcing the attractiveness of RSD Finance's current valuation. Despite recent underperformance against the Sensex, with a year-to-date return of -43.94% compared to the Sensex's 5.62%, the company's fundamentals suggest it remains a compelling investment opportunity.

What is the technical trend for RSD Finance?

As of May 3, 2025, RSD Finance shows a bearish trend, supported by weekly MACD and Bollinger Bands, with additional confirmation from daily moving averages and KST indicators.

As of 3 May 2025, the technical trend for RSD Finance has changed from mildly bearish to bearish. The current stance is bearish with a strong indication from the weekly MACD and Bollinger Bands both signaling bearish trends. The daily moving averages also confirm a bearish outlook. The KST is bearish on the weekly and mildly bearish on the monthly, while Dow Theory reflects a mildly bearish stance on the weekly and monthly time frames. Overall, the indicators suggest a weak bearish sentiment in the market for RSD Finance.

Who are the top shareholders of the RSD Finance?

The top shareholder of RSD Finance is Rajeev Singh Dugal, who owns 62.48% of the company. The highest public shareholder is Mrigaya Tie Up Private Limited at 4.83%, with individual investors holding a combined 9.19%.

The top shareholders of RSD Finance are primarily its promoters, with Rajeev Singh Dugal holding the largest share at 62.48%. The highest public shareholder is Mrigaya Tie Up Private Limited, which holds 4.83%. Additionally, individual investors collectively own 9.19% of the company. Notably, there are no pledged promoter holdings, and the company does not have any mutual funds or foreign institutional investors holding shares.

How big is RSD Finance?

As of 24th July, RSD Finance Ltd has a market capitalization of 139.00 Cr, with Net Sales of 130.01 Cr and a Net Profit of 13.25 Cr for the latest four quarters. The company has Shareholder's Funds of 198.81 Cr and Total Assets of 275.45 Cr as of March 2024.

As of 24th July, RSD Finance Ltd has a market capitalization of 139.00 Cr, categorized as a Micro Cap company.<BR><BR>For the latest four quarters, RSD Finance reported Net Sales of 130.01 Cr and a Net Profit of 13.25 Cr.<BR><BR>As of March 2024, the company has Shareholder's Funds amounting to 198.81 Cr and Total Assets of 275.45 Cr.

How has been the historical performance of RSD Finance?

RSD Finance has shown steady growth in net sales and profitability from Mar'19 to Mar'25, with net sales increasing from 53.55 Cr to 130.01 Cr, and profit after tax rising from 11.73 Cr to 17.81 Cr, despite some fluctuations in metrics like EPS and cash flow. Total assets and liabilities grew in tandem, reflecting the company's overall resilience and growth.

Answer:<BR>The historical performance of RSD Finance shows a steady growth in net sales and profitability over the years, with notable fluctuations in certain metrics.<BR><BR>Breakdown:<BR>RSD Finance's net sales have increased from 53.55 Cr in Mar'19 to 130.01 Cr in Mar'25, reflecting a significant upward trend. Total operating income followed a similar trajectory, rising from 53.55 Cr to 130.01 Cr over the same period. The company's total expenditure, excluding depreciation, also grew, reaching 97.93 Cr in Mar'25, up from 40.99 Cr in Mar'19. Operating profit, excluding other income, improved from 12.56 Cr in Mar'19 to 32.08 Cr in Mar'25, while profit before tax increased from 15.16 Cr to 25.36 Cr in the same timeframe. Profit after tax showed a rise from 11.73 Cr in Mar'19 to 17.81 Cr in Mar'25, although it peaked at 18.03 Cr in Mar'22. The company's earnings per share (EPS) fluctuated, reaching 10.23 in Mar'25 after peaking at 12.38 in Mar'22. On the balance sheet, total assets grew from 203.28 Cr in Mar'20 to 292.47 Cr in Mar'25, with total liabilities also increasing from 203.28 Cr to 292.47 Cr. Cash flow from operating activities was notably low in Mar'25 at 0.00 Cr, contrasting with 15.00 Cr in Mar'24, while cash flow from investing activities turned positive at 4.00 Cr in Mar'25 after several years of negative cash flow. Overall, RSD Finance has demonstrated resilience and growth in its financial performance, despite some volatility in specific areas.

When is the next results date for RSD Finance Ltd?

The next results date for RSD Finance Ltd is 11 February 2026.

The next results date for RSD Finance Ltd is scheduled for 11 February 2026.

Are RSD Finance Ltd latest results good or bad?

RSD Finance Ltd's latest results show strong profit growth with a net profit of ₹6.90 crores, up 165.38% from the previous quarter, but revenue has significantly declined by 54.49% year-on-year to ₹14.25 crores, raising concerns about the company's sustainability and capital efficiency. Investors should consider both the profit surge and the troubling revenue decline when assessing the company's financial health.

RSD Finance Ltd's latest results present a mixed picture. On one hand, the company reported a consolidated net profit of ₹6.90 crores for Q3 FY26, which is a significant increase of 165.38% compared to the previous quarter. This impressive profit growth is supported by a high PAT margin of 57.19%, indicating strong operational efficiency and cost control.<BR><BR>However, the revenue figures tell a different story. The company experienced a substantial decline in revenue, with Q3 FY26 revenue at ₹14.25 crores, reflecting a 54.49% decrease year-on-year. This decline raises concerns about the sustainability of the business, as it also falls significantly below the average revenue over the past four quarters.<BR><BR>While the stock responded positively to the profit surge, gaining nearly 20% shortly after the results were announced, the underlying issues of declining revenue and weak capital efficiency—evidenced by an average ROE of only 7.07%—suggest that the company faces significant challenges moving forward.<BR><BR>In summary, while the profit growth is a positive indicator, the severe revenue decline and capital efficiency concerns paint a more troubling picture for RSD Finance Ltd. Investors should weigh these factors carefully when considering the company's financial health.

Should I buy, sell or hold RSD Finance Ltd?

Why is RSD Finance Ltd falling/rising?

As of 10-Apr, RSD Finance Ltd's stock price is currently at 82.00, reflecting a 2.41% increase. Despite recent gains, the stock has underperformed its sector and shows a year-to-date decline of 2.08%, raising concerns about future stability due to declining investor interest.

As of 10-Apr, RSD Finance Ltd's stock price is rising, currently at 82.00, reflecting a change of 1.93 (2.41%) upward. This increase is notable as the stock opened with a significant gain of 9.89% today, reaching an intraday high of Rs 87.99. Despite this positive movement, the stock has underperformed its sector by 1.13%. <BR><BR>In the context of recent performance, the stock has shown a 1-week increase of 6.51%, which outpaces the Sensex's gain of 5.77%. However, over the longer term, the stock has faced challenges, with a year-to-date decline of 2.08% and a substantial 25.59% drop over the past year. <BR><BR>Investor participation appears to be declining, as indicated by a significant drop in delivery volume, which fell by 70.98% compared to the 5-day average. Despite this, the stock remains liquid enough for trading. Overall, while the stock is currently rising, its longer-term performance and declining investor interest may present concerns for future stability.

Which are the latest news on RSD Finance?