Real Touch Finance Limited - financial services in Howrah, West Bengal, India. FY 2026 financials & compliance.
CIN L01111WB1997PLC085164 Incorporated 13 August 1997 ROC Kolkata HQ Howrah, West Bengal, India
Active Listed - BSE: 538611 Public Limited Company financial services MSME · Small
Data last updated
Market Cap
₹38.97 Cr
RTFL · BSE
Share Price
₹29.17
-4.98% today
Revenue
₹40.39 Cr
FY 2025-26 · +40.0% YoY
EBITDA
₹27.86 Cr
Margin 69.0%
Net Profit
₹5.19 Cr
FY 2025-26 · +12.3% YoY
P/E (TTM)
7.8x
P/B 0.8x
ROE
10.4%
ROCE 10.6%
Debt / Equity
4.24
Interest cover 72.4x

About Real Touch Finance Limited

Data last updated:

Real Touch Finance Limited is a public limited company based in Howrah, West Bengal, India, a subsidiary of Ultraplus Housing Estate Private Limited. It operates in the investment and credit NBFC segment of the financial services sector. It was incorporated on 13 August 1997 and has been in existence for over 29 years.

The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN L01111WB1997PLC085164. Its GSTIN is 33AACCA2470P1ZM (Tamil Nadu). The company holds 2 GST registrations, of which 1 is active. It is a listed company as per MCA records. Its shares are listed on BSE: 538611.

The company has an authorised share capital of ₹16.2 Cr and a paid-up capital of ₹12.69 Cr. It was formerly known as Associated Cereals Ltd. It is led by directors including Gopal Sridharan (Whole-Time Director) and Somnath Sarkar.

Its last annual general meeting (AGM) was held on 25 September 2025, and its latest financial statements are for the year ended 31 March 2026. The registered office is at Arihant Enclave Ground Floor 493B/57A G.T Road(South) Shibpur, Howrah, West Bengal, India – 711102.

As per the latest standalone financials for FY 2025-26, the company reported a revenue of ₹40.39 Cr, a growth of 40% compared to the previous year. For the same year it recorded a net profit of ₹5.19 Cr (net margin 12.8%) and EBITDA of ₹27.86 Cr (EBITDA margin 69%). The net worth stands at ₹52.27 Cr (up 11.1% YoY). Total assets are valued at ₹308.77 Cr (up 45.9% YoY).

The company has about 64 employees on its provident fund (EPFO) records.

The company is associated with 1 brand: Real Touch Finance. As per MCA filings, the company has open charges of ₹96 Cr and satisfied charges of ₹27.43 Cr on record. Court records list 55 cases involving the company, including 52 filed by the company and 3 filed against it; 34 cases are pending. The company has 6 deals on record (5 market trades, 1 debt financing), with disclosed funding of ₹20 Cr; the latest was in February 2024. Its 8 peer companies in the BFSI industry (Finance, NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities) are compared by revenue, 4 larger and 4 smaller; the largest is Kalandri Capital Private Limited with revenue of ₹10.35 Cr.

Real Touch Finance Limited is registered as a small enterprise under the Udyam registration framework (Reg. No. UDYAM-TN-02-0153499). The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website realtouchfinance.com.

Company details

CIN L01111WB1997PLC085164
Registration Number 085164
Incorporation Date 13 August 1997
ROC Kolkata
Listing Status Listed - Listed on BSE (538611)
Company Status Active
Date of Last AGM 25 September 2025
Date of Balance Sheet 31 March 2026
Parent Company Ultraplus Housing Estate Private Limited
Compliance Status Active Compliant
MSME Classification Small
Udyam Registration UDYAM-TN-02-0153499

CIN history

Real Touch Finance has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is L01111WB1997PLC085164, which is the unique identifier assigned by the Registrar of Companies.

CINStatus
L01111WB1997PLC085164Current
U01111WB1997PLC085164Previous
U99999WB1997PLC085164Previous

Recognitions & Rankings of Real Touch Finance

MSME (Udyam registered) Ministry of MSME
Category
Small (2024-25)
Udyam number
UDYAM-TN-02-0153499

Contact details

Real Touch Finance Limited's registered office is in Howrah, West Bengal. Its website is realtouchfinance.com. Its e-mail address and telephone number are in the company report.

  • Email
  • Telephone
  • Registered Address
    Arihant Enclave Ground Floor 493B/57A G.T Road(South) Shibpur, Howrah, West Bengal, India – 711102
  • Industry
    Financial Services, Investment & Credit NBFC, NBFC

To see the full contact details of Real Touch Finance Limited, buy the company report.

Comprehensive company report
Real Touch Finance Limited - one report that includes everything
  • Company details, directors and signatories
  • Historical financials and ratios
  • Shareholding pattern and group structure
  • Charges with holder and property details
  • Legal cases, compliance and MCA filings
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Brands

Real Touch Finance operates one associated brand: Real Touch Finance. Each brand links to its own profile.

BrandDescriptionWebsite
Diversified consumer loans are provided to various customer segments.realtouchfinance.com

Business activity

The main business activity of Real Touch Finance is financial and insurance service. In detail, this covers other financial activities.

Main activity group codeMain activityBusiness activity codeBusiness activityShare of turnover
KFinancial and insurance ServiceK8Other financial activities

To see the full business activity and turnover split of Real Touch Finance Limited, buy the company report.

Financials of Real Touch Finance Limited

FY 2025-26 filings available

Real Touch Finance Limited reported revenue of ₹40.39 Cr (up 40% YoY) for FY 2025-26.

Financial Highlights

FY 2025-26 · Standalone
Revenue
₹40.39 Cr
+40.0% YoY
EBITDA
₹27.86 Cr
+37.6% YoY
Profit After Tax
₹5.19 Cr
+12.3% YoY
Net Worth
₹52.27 Cr
+11.1% YoY
Total Assets
₹309 Cr
+45.9% YoY
Total Debt
₹256 Cr
+55.9% YoY

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue40.3928.8618.7410.392.362.271.88
Revenue growth+40.0%+54.0%+80.4%+340.3%+4.0%+20.7%-
EBITDA27.8620.2513.488.241.911.951.58
EBITDA margin+69.0%+70.2%+71.9%+79.3%+80.9%+85.9%+84.0%
Profit before tax7.675.683.933.731.961.951.58
Net profit5.194.622.642.621.461.451.14
Net profit margin+12.9%+16.0%+14.1%+25.2%+61.9%+63.9%+60.6%
EPS (₹)4.093.632.072.061.141.140.90
Balance sheet
Total assets30921218112836.4634.9533.50
Net worth52.2747.0541.8339.1936.4634.9433.49
Total debt25616513989.020.000.000.00
Cash & bank3.362.563.551.640.460.070.02
Net working capital(9.33)(16.33)(7.57)(0.28)0.53(0.51)4.83
Cash flow
Cash from operations33.42(26.07)(49.72)(87.24)0.42(4.89)(3.08)
Cash from investing(127)(0.01)1.15(1.62)(0.03)4.941.70
Cash from financing91.9925.0650.4389.010.000.000.00
ParticularsJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue8.6311.328.728.678.187.837.596.82
Revenue growth (YoY)+5.5%+44.6%+14.9%+27.1%+27.4%---
Other income0.010.950.072.490.060.100.070.03
Total expenses1.363.782.114.402.313.541.731.82
EBITDA7.277.546.614.275.874.295.865.00
EBITDA margin+84.2%+89.0%+103.0%+49.3%+71.8%+54.8%+77.2%+73.3%
Depreciation0.040.070.070.060.050.090.070.07
Interest5.856.395.464.004.073.733.713.41
Profit before tax1.392.031.152.701.810.572.151.55
Tax0.241.060.290.680.45(0.11)0.430.39

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 02 Nov 2026
ParticularsJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue8.6311.328.728.678.187.837.596.82
Revenue growth (YoY)+5.5%+44.6%+14.9%+27.1%+27.4%---
Other income0.010.950.072.490.060.100.070.03
Total expenses1.363.782.114.402.313.541.731.82
EBITDA7.277.546.614.275.874.295.865.00
EBITDA margin+84.2%+89.0%+103.0%+49.3%+71.8%+54.8%+77.2%+73.3%
Depreciation0.040.070.070.060.050.090.070.07
Interest5.856.395.464.004.073.733.713.41
Profit before tax1.392.031.152.701.810.572.151.55
Tax0.241.060.290.680.45(0.11)0.430.39
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue40.3928.8618.7410.392.362.271.88
Revenue growth+40.0%+54.0%+80.4%+340.3%+4.0%+20.7%-
Other income0.060.010.150.000.050.000.00
Total expenses12.538.615.262.150.450.320.30
Employee cost3.214.102.350.650.160.180.13
EBITDA27.8620.2513.488.241.911.951.58
EBITDA margin+69.0%+70.2%+71.9%+79.3%+80.9%+85.9%+84.0%
Depreciation0.250.290.260.060.000.000.00
Interest20.0014.299.444.450.000.000.00
Profit before tax7.675.683.933.731.961.951.58
Tax2.481.061.291.110.500.500.44
Net profit5.194.622.642.621.461.451.14
Net profit margin+12.9%+16.0%+14.1%+25.2%+61.9%+63.9%+60.6%
EPS (₹)4.093.632.072.061.141.140.90
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital12.6912.6912.6912.6912.6912.6912.69
Reserves & surplus39.5834.3629.1426.5023.7722.2520.80
Shareholders' funds (net worth)52.2747.0541.8339.1936.4634.9433.49
Secured loans81.3990.4936.3524.520.000.000.00
Unsecured loans17574.0210364.500.000.000.00
Total debt25616513989.020.000.000.00
Total liabilities30921218112836.4634.9533.50
Assets
Gross block1.401.230.970.670.030.000.00
Net block0.530.610.640.610.030.000.00
Capital work in progress0.000.000.000.000.000.000.00
Investments1250.010.011.431.391.351.35
Inventories0.000.000.000.000.000.000.00
Sundry debtors0.000.000.040.010.000.000.00
Cash & bank balances3.362.563.551.640.460.070.02
Loans & advances0.050.080.070.520.480.095.03
Total current assets3.412.643.662.170.940.165.05
Total current liabilities12.7418.9711.232.450.410.670.22
Net working capital(9.33)(16.33)(7.57)(0.28)0.53(0.51)4.83
Total assets30921218112836.4634.9533.50
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash1.462.470.610.460.070.021.40
Net cash from operating activities33.42(26.07)(49.72)(87.24)0.42(4.89)(3.08)
Net cash from investing activities(127)(0.01)1.15(1.62)(0.03)4.941.70
Net cash from financing activities91.9925.0650.4389.010.000.000.00
Net change in cash(1.30)(1.01)1.860.150.390.05(1.38)
Closing cash3.362.563.551.640.460.070.02
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+40.0%+54.0%+80.4%+340.3%+4.0%+20.7%-
EBITDA growth+37.6%+50.2%+63.6%+331.4%-2.1%+23.4%-
PBT growth+35.0%+44.5%+5.4%+90.3%+0.5%+23.4%+2.6%
Net income growth+12.3%+75.0%+0.8%+79.5%+0.7%+27.2%-
Revenue CAGR (3Y)+57.2%+130.4%+102.1%+76.8%+9.1%+71.5%+31.3%
EBITDA CAGR (3Y)+50.1%+119.7%+90.5%+73.4%+7.4%+110.2%+34.5%
Profitability & leverage
Net income margin+12.9%+16.0%+14.1%+25.2%+61.9%+63.9%+60.6%
Return on capital employed+10.6%+10.2%+8.6%+9.9%+5.5%+5.7%+4.8%
Return on net worth+10.5%+10.4%+6.5%+6.9%+4.1%+4.2%+3.5%
Debt / equity4.243.422.821.180.000.000.00
Long-term debt / equity4.213.422.821.180.000.000.00
Interest cover72.4471.5971.4154.400.000.000.00
Efficiency & per share
Fixed asset turnover30.7626.2523.0429.69160.670.000.00
Inventory turnover0.000.000.000.000.000.000.00
Debtors turnover0.001,443.50755.602,078.000.000.000.00
EPS (₹)4.093.632.072.061.141.140.90
Dividend per share (₹)0.000.000.000.000.000.000.00
Book value per share (₹)41.1837.0732.9630.8828.7327.5326.39

To see the full year-wise statements and ratios of Real Touch Finance Limited, buy the company report.

Board of directors of Real Touch Finance Limited

Real Touch Finance has 5 current directors and 17 former directors. Current directors are listed first, with their designation and appointment date.

Current Directors
NameDesignationAppointment DateTenureStatus
Somnath SarkarDirector28 Sep 20215 Years 1 MonthsCurrent
Gopal SridharanWhole-Time Director06 Jan 20224 Years 9 MonthsCurrent
Muthusamy GaneshkumarDirector01 Aug 20242 Years 3 MonthsCurrent
Ratnesh Kumar AgrawalDirector14 Feb 20242 Years 8 MonthsCurrent
Padmini Ceruseri SrikanthDirector14 Feb 20242 Years 8 MonthsCurrent

Peer comparison

Real Touch Finance Limited is compared with the 8 companies closest to it by revenue in the BFSI industry (Finance, NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities), from the latest filed financials of each company.

CompanyRevenueNet profitMarginGrowth (1 yr)EmployeesLocation
Real Touch Finance Limitedthis company₹40.39 Cr (FY 2026)₹5.19 Cr12.8%40.0%64Howrah, West Bengal, India
Kalandri Capital Private Limited₹10.35 Cr (FY 2025)-43.0%Bangalore, Karnataka, India
Uni Worth Finance & Securities Private Limited₹10.33 Cr (FY 2025)-79.0%New Delhi, Delhi, India
Sfi Financial Services Private Limited₹10.32 Cr (FY 2024)32.0%Chennai, Tamil Nadu, India
G.M. Holdings Pvt Ltd₹10.28 Cr (FY 2025)147.0%Kolkata, West Bengal, India
Orocorp Technologies Private Limited₹10.27 Cr (FY 2024)131.0%Chennai, Tamil Nadu, India
Bihar State Education Finance Corporation Limited₹10.26 Cr (FY 2024)-9.0%Patna, Bihar, India
Meenakshi Narayanan Investments Private Limited₹10.26 Cr (FY 2025)-16.0%Adayar, Chennai-20, Tamil Nadu, India
Shree Naivedya Fincom Private Limited₹10.25 Cr (FY 2025)97.0%Indore, Madhya Pradesh, India

To see the full peer comparison of Real Touch Finance Limited, buy the company report.

Auditor

Real Touch Finance Limited is audited by P. D. RANDAR & CO. for the financial year 2018.

Auditor firmFinancial yearFirm registration number
P. D. RANDAR & CO.FY 2018319295E

Shareholding

Shareholding for the quarter ended Mar 2026: promoters hold 54.10%, foreign institutional investors hold 0.00%, domestic institutional investors hold 0.00% and retail and other public shareholders hold 45.90%.

Promoters: 54.10%Retail & Others: 45.90%
Mar 2026
QUARTER
54.10% Promoters
45.90% Retail & Others
Promoter holding - history
Now 54.10% · Mar 2026High 54.10% · Jun 2025Low 54.10% · Jun 2025
53%53.8%54.5%55.3%56%Jun 2025Sep 2025Dec 2025Mar 2026Jun 2025: 54.10%Sep 2025: 54.10%Dec 2025: 54.10%Mar 2026: 54.10%54.10%54.10%
Shareholding trend - last 6 quarters
Mar 2026Dec 2025Sep 2025Jun 2025
Promoters54.10%54.10%54.10%54.10%
Public45.90%45.90%45.90%45.90%

Charges & borrowings

Open charges
₹96 Cr
Satisfied charges
₹27.43 Cr
Breakdown by lending institutions
Others₹71.00 Cr
Indian Overseas Bank₹25.00 Cr
Latest charge details
DateCharge IDLenderAmountStatusModified or satisfied on
25 Mar 2026101271096Others₹15 CrOpen
30 Dec 2025101221819Others₹8 CrOpen
27 Mar 2025101076616Indian Overseas Bank₹15 CrOpen
03 Oct 2024100994331Others₹25 CrOpen
11 Jul 2024100953336Others₹8 CrOpen

To see the full charge records of Real Touch Finance Limited, buy the company report.

Total charge records: 9 View all charges

Deals & funding

Real Touch Finance Limited has 6 deals on record (5 market trades, 1 debt financing), with disclosed funding of ₹20 Cr; the latest was in February 2024.

Total deals
6
Market trades
5
Debt financing
1
Disclosed funding
₹20 Cr

Deals on record (5 of 6)

WhenDealAmountParties
Feb 2024Debt financing₹20 Cr
Jul 2021Market trade₹9.4 LakhBuyer: an individual
Jul 2021Market trade₹16.2 LakhBuyer: an individual
Seller: Primary Iron Traders Private Limited
Mar 2016Market trade₹21.6 LakhSeller: Radhashree Finance Limited , Auj Investments And Consultants P Ltd
Mar 2016Market trade₹47 LakhSeller: Randar Businesses Pvt Ltd , Econo Trade (India) Ltd

To see the full deal history of Real Touch Finance Limited, buy the company report.

Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.

MSME payment delays

No delayed payments to MSME suppliers are on our record for Real Touch Finance Limited; the supplier-wise MSME Form 1 check is in the company report Buy the company report.

Employees & EPFO

Real Touch Finance Limited has a workforce of 64 employees on its EPFO records as of Apr 03, 2025, across 1 active EPFO establishment.

Employee count
64
Active EPFO establishments
1
Employee growth
36.17%

GST

Real Touch Finance has 2 GST registrations: 1 active and 1 cancelled or inactive.

Total GSTINs
2
Active
1
Cancelled / inactive
1
GSTINStateStatusRegistered on
33AACCA2470P1ZMTamil NaduActive18 May 2022

To see the full GST registrations and return filing status of Real Touch Finance Limited, buy the company report.

Recent activity

Real Touch Finance Limited has 31 board changes on record since 2005: 19 appointments and 12 cessations. The latest: Ujjawal Kumar Bothra ceased to be Director on 07 Aug 2024.

Filing
Real Touch Finance Limited has filed its annual Financial statements for the year ended 31 Mar 2026 with Roc Kolkata Ii.
Charges
A charge with Others amounted to Rs. 15.00 Cr with Charge ID 101271096 was registered on 25 Mar 2026.
Charges
A charge registered on 01 Feb 2023 via Charge ID 100710065 with Others was fully satisfied on 24 Feb 2026.
Charges
A charge with Others amounted to Rs. 8.00 Cr with Charge ID 101221819 was registered on 30 Dec 2025.
Charges
A charge registered on 31 Dec 2022 via Charge ID 100664103 with State Bank Of India was fully satisfied on 12 Dec 2025.
AGM
Real Touch Finance Limited last Annual general meeting of members was held on 25 Sep 2025 as per latest MCA records.
Charges
A charge with Indian Overseas Bank amounted to Rs. 15.00 Cr with Charge ID 101076616 was registered on 27 Mar 2025.
Charges
A charge with Others amounted to Rs. 25.00 Cr with Charge ID 100994331 was registered on 03 Oct 2024.
Charges
A charge with Others of Rs. 15.00 Cr registered on 23 Jun 2023 with Charge ID 100740205 was modified on 31 Aug 2024.
Ceased
Ujjawal Kumar Bothra ceased to be Director.
Appointed
Muthusamy Ganeshkumar was appointed as Director.
Charges
A charge with Others amounted to Rs. 8.00 Cr with Charge ID 100953336 was registered on 11 Jul 2024.

35 earlier events are in the company report.

Frequently asked questions

Real Touch Finance is an active public limited company based in Howrah, West Bengal, India. The company works in investment and credit nbfc, within the financial services industry. It was incorporated on 13 August 1997 (29+ years old) and is registered under CIN L01111WB1997PLC085164. Listed on BSE: 538611.

Real Touch Finance reported revenue of ₹40.39 Cr for FY 2025-26 (up 40% YoY) based on standalone financials.

Real Touch Finance has 5 current directors:

The latest financial statements of Real Touch Finance on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 25 September 2025. Year-wise statements from 2015 are in the company report.

The GSTIN of Real Touch Finance is 33AACCA2470P1ZM, registered in Tamil Nadu. The company has 2 GST registrations in all, of which 1 is active and 1 is cancelled or inactive.

The CIN (Corporate Identification Number) of Real Touch Finance is L01111WB1997PLC085164. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.

Yes. Real Touch Finance is a listed company as per MCA records. Its shares are listed on BSE (code: 538611).

Real Touch Finance has 55 court cases on record: 52 filed by the company and 3 filed against it. 34 are pending. Most are in the district courts.

Real Touch Finance was incorporated on 13 August 1997, making it 29+ years old. It is registered with the Registrar of Companies, Kolkata.

Real Touch Finance has 6 deals on record (5 market trades, 1 debt financing), with disclosed funding of ₹20 Cr; the latest was in February 2024.

The peers of Real Touch Finance by revenue are Kalandri Capital Private Limited, Uni Worth Finance & Securities Private Limited, Sfi Financial Services Private Limited, G.M. Holdings Pvt Ltd, Orocorp Technologies Private Limited and 3 more, all in the BFSI industry (Finance, NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities).