Real Touch Finance Limited

About

Real Touch Finance Limited operates as a non-banking financial company in India. It provides personal loans, personal loan for education expenses, loan against property, secured business loans, and structured finance products. The company was formerly known as Associated Cereals Limited. The company was incorporated in 1984 and is based in Chennai, India. Real Touch Finance Limited is a subsidiary of Ultraplus Housing Estate Private Limited.

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
Sales	8.63	11.32	8.72	8.67	8.18	7.83	7.59	6.82	6.42	3.80	5.20	5.12	4.66
Expenses	1.35	3.78	2.12	4.40	2.32	3.54	1.73	1.81	1.62	0.09	1.62	2.43	1.20
Operating Profit	7.28	7.54	6.60	4.27	5.86	4.29	5.86	5.01	4.80	3.71	3.58	2.69	3.46
OPM %	84.36	66.61	75.69	49.25	71.64	54.79	77.21	73.46	74.77	97.63	68.85	52.54	74.25
Other Income	0.01	0.95	0.07	2.49	0.06	0.10	0.07	0.03	0.01	0.06	0.05	0.00	0.00
Depreciation	0.04	0.07	0.07	0.06	0.05	0.09	0.07	0.07	0.06	0.08	0.07	0.05	0.06
Interest	5.85	6.39	5.46	4.00	4.07	3.73	3.71	3.41	3.35	3.32	2.19	1.76	2.09
Profit before tax	1.40	2.03	1.14	2.70	1.80	0.57	2.15	1.56	1.40	0.37	1.37	0.88	1.31
Tax %	17.14	52.22	25.44	25.19	25.00	-19.30	20.00	25.00	25.00	-43.24	37.96	61.36	30.53
Net Profit	1.16	0.97	0.86	2.02	1.34	0.68	1.72	1.17	1.04	0.53	0.86	0.34	0.91
EPS in Rs	0.91	0.76	0.68	1.59	1.06	0.54	1.36	0.92	0.82	0.42	0.68	0.27	0.72

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
Sales	39.18	28.86	18.74	10.39	2.36	2.27	1.88	1.82	0.45	0.83	0.73	0.91
Expenses	12.61	8.62	5.26	2.15	0.46	0.33	0.30	0.29	0.26	0.17	0.09	0.23
Operating Profit	26.57	20.24	13.48	8.24	1.90	1.94	1.58	1.53	0.19	0.66	0.64	0.68
OPM %	67.82	70.13	71.93	79.31	80.51	85.46	84.04	84.07	42.22	79.52	87.67	74.73
Other Income	1.27	0.01	0.15	0.00	0.05	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest	19.91	14.29	9.44	4.45	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01
Depreciation	0.25	0.29	0.26	0.06	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	7.68	5.67	3.93	3.73	1.95	1.94	1.58	1.53	0.19	0.66	0.64	0.67
Tax %	32.29	18.69	32.82	29.76	25.64	25.77	27.85	26.80	121.05	34.85	39.06	26.87
Net Profit	5.19	4.61	2.63	2.62	1.45	1.44	1.14	1.11	-0.04	0.43	0.39	0.49
EPS in Rs	4.09	3.63	2.07	2.06	1.14	1.13	0.90	0.87	-0.03	0.34	0.31	0.39
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	12.69	12.69	12.69	12.69	12.69	12.69	12.69	12.69	12.69	12.69	12.69	12.69
Reserves	39.58	34.36	29.14	26.50	23.77	22.25	20.80	19.68	18.64	18.79	18.36	17.97
Borrowings	231.94	164.51	139.45	89.02	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Liabilities	37.29	18.06	11.22	2.46	0.41	0.68	0.23	0.21	0.53	0.80	0.44	0.25
Total Liabilities	321.50	229.62	192.50	130.67	36.87	35.62	33.72	32.58	31.86	32.28	31.49	30.91
Fixed Assets	0.53	0.61	0.65	0.60	0.03	0.00	0.00	0.00	0.00	0.00	0.00	0.00
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	125.01	0.01	0.01	1.43	1.39	1.35	1.35	0.07	0.11	1.44	0.72	1.06
Other Assets	195.96	229.00	191.84	128.64	35.45	34.27	32.37	32.51	31.75	30.84	30.77	29.85
Total Assets	321.50	229.62	192.50	130.67	36.87	35.62	33.72	32.58	31.86	32.28	31.49	30.91

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	33.42	-26.07	-49.72	-87.24	0.42	-4.89	-3.08	-0.76	-1.29	0.76	-0.74	0.47
Cash from Investing Activity	-126.70	0.00	1.15	-1.62	-0.03	4.94	1.70	2.05	1.33	-0.72	0.34	-0.09
Cash from Financing Activity	91.99	25.06	50.43	89.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Cash Flow	-1.30	-1.01	1.86	0.15	0.39	0.05	-1.38	1.28	0.04	0.03	-0.40	0.38
Free Cash Flow	33.25	-26.32	-50.03	-87.87	0.42	-4.89	-3.08	-0.76	-1.29	0.76	-0.74	0.47
CFO/OP %	134.00	-123.00	-362.00	-1,042.00	71.00	-244.00	-168.00	-34.00	-679.00	180.00	-112.00	75.00

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
Debtor Days	0.00	0.13	0.78	0.35	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash Conversion Cycle	0.00	0.13	0.78	0.35	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Working Capital Days	476.42	-227.40	-216.58	-67.45	12.37	-93.26	933.86	1,570.30	17,171.22	8,808.37	10,180.00	7,709.12
ROCE %	11.13	10.16	8.64	9.94	5.46	5.67	4.80	4.80	0.60	2.11	2.07	2.24

Shareholding Pattern

% holding — latest first

Holder	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Promoters	54.12	54.12	54.12	54.12	54.12	54.12	54.12	54.12	54.12	54.12	54.12	54.12
DIIs	0.03	0.03	0.03	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	45.85	45.85	45.85	45.88	45.87	45.87	45.87	45.88	45.88	45.88	45.88	45.87
No. of Shareholders	1,394	1,380	1,383	1,382	1,358	1,361	1,340	1,328	1,318	1,344	1,379	1,421