About
Karnavati Finance Limited, a non-banking finance company, engages in the provision of various financial services in India. The company offers personal, business, auto, education, and mortgage loans. It also provides secured and unsecured term loans and loans against property to individual and non-individual customers. The company was formerly known as Karnavati Finance and Leasing Limited and changed its name to Karnavati Finance Limited in December 1989. Karnavati Finance Limited was incorporated in 1984 and is based in Jamnagar, India.
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 0.07 | 6.74 | 0.05 | 0.44 | 0.34 | 0.88 | 0.20 | 0.90 | 0.12 | 0.58 | 1.78 | 0.08 | 0.61 |
| Other Income | 5.83 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 1.37 | 1.51 | 1.53 | 0.58 | 0.25 | 0.26 | 0.27 | 0.28 | 0.34 | 0.40 | 0.41 | 0.44 | 0.32 |
| Profit before tax | 6.25 | -5.65 | 0.70 | -0.43 | -0.37 | -0.88 | -0.06 | -0.90 | 0.17 | -0.09 | -1.80 | 0.67 | -0.36 |
| Tax % | 0.00 | 2.48 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -4.44 | 23.53 | 100.00 | -4.44 | 11.94 | 0.00 |
| Net Profit | 6.25 | -5.79 | 0.70 | -0.43 | -0.37 | -0.88 | -0.06 | -0.86 | 0.12 | -0.18 | -1.72 | 0.59 | -0.36 |
| EPS in Rs | 0.62 | -0.58 | 0.07 | -0.04 | -0.04 | -0.09 | -0.01 | -0.09 | 0.01 | -0.02 | -0.17 | 0.06 | -0.04 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 7.18 | 2.08 | 3.02 | 1.76 | 2.04 | 0.95 | 2.35 | 0.66 | 0.56 | 0.24 | 0.17 | 0.81 |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.08 | 0.00 | 0.00 | 0.00 | 0.07 | 0.28 | 0.18 | 0.00 |
| Interest | 3.87 | 1.17 | 1.59 | 0.34 | 0.03 | 0.05 | 0.26 | 1.58 | 0.68 | 0.01 | 0.00 | 0.00 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 |
| Profit before tax | -5.74 | -1.68 | -1.57 | 0.74 | 0.40 | 0.21 | 0.14 | 0.99 | 0.83 | 0.96 | 0.43 | -0.35 |
| Tax % | 2.61 | 0.00 | 5.73 | 25.68 | 25.00 | 42.86 | 21.43 | 27.27 | 25.30 | 22.92 | 16.28 | 8.57 |
| Net Profit | -5.90 | -1.68 | -1.67 | 0.56 | 0.30 | 0.12 | 0.11 | 0.72 | 0.62 | 0.75 | 0.37 | -0.38 |
| EPS in Rs | -0.59 | -0.17 | -0.17 | 0.06 | 0.03 | 0.01 | 0.01 | 0.07 | 0.06 | 0.09 | 0.04 | -0.05 |
| Dividend Payout % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10.05 | 10.05 | 10.05 | 10.05 | 10.05 | 10.05 | 10.05 | 10.05 | 10.05 | 8.36 | 8.36 | 8.36 |
| Reserves | -5.72 | 0.18 | 1.86 | 3.53 | 2.96 | 2.66 | 2.54 | 2.43 | 1.71 | 0.07 | -0.68 | -1.05 |
| Other Liabilities | 1.03 | 0.29 | 1.27 | 1.05 | 0.25 | 0.77 | 0.53 | 0.81 | 0.67 | 0.42 | 0.31 | 0.29 |
| Total Liabilities | 65.26 | 21.61 | 28.73 | 27.35 | 14.47 | 18.92 | 24.42 | 29.32 | 26.95 | 8.85 | 8.01 | 7.87 |
| Fixed Assets | 0.00 | 0.01 | 0.01 | 0.01 | 0.02 | 0.03 | 0.04 | 0.05 | 0.06 | 0.08 | 0.10 | 0.11 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Assets | 65.26 | 21.60 | 28.72 | 27.34 | 14.45 | 18.89 | 24.38 | 29.27 | 26.89 | 8.77 | 7.91 | 7.76 |
| Total Assets | 65.26 | 21.61 | 28.73 | 27.35 | 14.47 | 18.92 | 24.42 | 29.32 | 26.95 | 8.85 | 8.01 | 7.87 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -44.84 | 5.48 | -2.79 | -9.44 | 4.25 | 5.71 | 4.86 | 0.08 | -16.56 | 0.35 | -0.07 | -4.65 |
| Cash from Investing Activity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activity | 44.93 | -5.60 | 1.25 | 11.03 | -4.25 | -5.91 | -5.00 | -0.08 | 16.55 | -0.03 | -0.25 | 4.82 |
| Net Cash Flow | 0.09 | -0.12 | -1.55 | 1.58 | 0.00 | -0.20 | -0.14 | 0.01 | -0.01 | 0.32 | -0.32 | 0.17 |
| Free Cash Flow | -44.84 | 5.48 | -2.79 | -9.44 | 4.25 | 5.71 | 4.86 | 0.08 | -16.56 | 0.35 | -0.07 | -4.65 |
| CFO/OP % | 2,390.00 | -1,075.00 | -13,100.00 | -857.00 | 1,181.00 | 2,133.00 | 1,207.00 | 12.00 | -1,121.00 | 65.00 | -19.00 | 1,403.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
2 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Split | 24 Feb 2023 | 24 Feb 2023 | 10:1 | — | |
| Other | 20 Jan 2023 | — | — | — | E.G.M. |