About Real Touch Finance Limited
Data last updated: 14 July 2026
Real Touch Finance Limited is a public limited company based in Howrah, West Bengal, India, a subsidiary of Ultraplus Housing Estate Private Limited. It specialises in investment and credit NBFC, a part of the broader financial services sector. Incorporated on 13 August 1997, the company has been in operation for over 29 years.
Registered with ROC Kolkata under CIN U01111WB1997PLC085164. Listed on BSE: 538611.
Capital: an authorised share capital of ₹16.2 Cr and a paid-up capital of ₹12.69 Cr. Formerly known as Associated Cereals Ltd. It is led by directors including Somnath Sarkar and Gopal Sridharan.
Last AGM: 25 September 2025. Financial statements filed for year ended 31 March 2025. Office: Arihant Enclave Ground Floor 493B/57A G.T Road(South) Shibpur, Howrah, West Bengal, India – 711102.
As per BSE-filed standalone financials for FY 2024, the company reported a revenue of ₹18.74 Cr, a growth of 101.98% compared to the previous year. The net worth stands at ₹41.83 Cr (up 6.72% YoY). Total assets are valued at ₹192.51 Cr (up 46.71% YoY).
The company has a workforce of approximately 64 employees as per the latest available data. It operates as a subsidiary of Ultraplus Housing Estate Private Limited.
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.
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.
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Registered AddressArihant Enclave Ground Floor 493B/57A G.T Road(South) Shibpur, Howrah, West Bengal, India – 711102
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IndustryFinancial Services, Investment & Credit NBFC, NBFC
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
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CIN History of Real Touch Finance Limited
Real Touch Finance Limited 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.
| CIN | Status |
|---|---|
| L01111WB1997PLC085164 | Current |
| U01111WB1997PLC085164 | Previous |
| U99999WB1997PLC085164 | Previous |
Associated Brands with Real Touch Finance Limited
Real Touch Finance Limited operates one associated brand: Real Touch Finance. These brands represent Real Touch Finance Limited's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Diversified consumer loans are provided to various customer segments. | realtouchfinance.com |
Competitors & Alternatives of Real Touch Finance Limited
Brands and companies operating in the same space as Real Touch Finance Limited include Manappuram Finance, L & T Finance Holdings, Bajaj Finserv and 6 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
Manappuram Finance
|
Consumer and SME loans are provided by Manappuram Finance. | Valapad, India, India | 1992 |
L & T Finance Holdings
|
Diversified lending services are provided as a non-banking financial institution. | Mumbai, India, India | 1994 |
Bajaj Finserv
|
Financial solutions including loans and insurance are offered. | Pune, India, India | 2007 |
Northern Arc Capital
|
Household and business loans are provided with risk management support. | Chennai, India, India | 2006 |
IIFL Finance
|
Online gold, home, personal, and business loans are provided. | Mumbai, India, India | 1995 |
Mahindra Finance
|
Consumer and SME loans are provided by Mahindra Finance. | Mumbai, India, India | 1991 |
Hero Fincorp
|
2-wheeler loans and consumer/business financing are provided by Hero Fincorp. | Delhi, India, India | 1991 |
Cholamandalam Investment and Finance Company
|
Home and SME loans are provided in India. | Chennai, India, India | 1978 |
Dvara KGFS
|
Loans for consumers and SMEs are provided alongside financial services. | Chennai, India, India | 2008 |
Business Activity of Real Touch Finance Limited
Real Touch Finance Limited operates primarily in the financial and insurance service sector. The company has 1 registered business activity segment, reflecting its diverse operational portfolio.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| Locked | Financial and insurance Service | Locked | Other financial activities | Locked |
Detailed business activity records for Real Touch Finance Limited
Activity codes and turnover contribution percentages require an active report plan.
- Activity group codes
- Detailed activity codes
- Turnover contribution
Verified entity values are shown only after access is granted.
Board of Directors of Real Touch Finance Limited
Real Touch Finance Limited is currently managed by 5 directors, with 17 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Somnath Sarkar | Director | 28 Sep 2021 | 4 Years 9 Months | Current |
| Gopal Sridharan | Whole-Time Director | 06 Jan 2022 | 4 Years 6 Months | Current |
| Muthusamy Ganeshkumar | Director | 01 Aug 2024 | 1 Years 11 Months | Current |
|
Ratnesh Kumar Agrawal
Also directs:
Grant Ventures Llp, Castle Traders Limited
|
Director | 14 Feb 2024 | 2 Years 5 Months | Current |
| Padmini Ceruseri Srikanth | Director | 14 Feb 2024 | 2 Years 5 Months | Current |
Financials of Real Touch Finance Limited FY 2024 filings available
Real Touch Finance Limited reported revenue of ₹18.74 Cr (up 101.98% YoY) for FY 2024.
| Metrics | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Revenue from Operations | ₹18.74 Cr | ₹9.28 Cr | ₹2.36 Cr | ₹2.27 Cr | ₹1.88 Cr | ₹1.82 Cr |
| Interest Earned | ₹17.76 Cr | ₹9.28 Cr | ₹2.36 Cr | ₹2.27 Cr | ₹1.88 Cr | - |
| Other Income | ₹14.66 Lakh | ₹1 Cr | ₹5.14 Lakh | ₹13,000 | ₹0 | ₹0 |
| Total Income | ₹18.88 Cr | ₹10.28 Cr | ₹2.41 Cr | ₹2.27 Cr | ₹1.88 Cr | ₹1.82 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹2.8 Cr | ₹97.3 Lakh | ₹23.51 Lakh | ₹21.08 Lakh | ₹18.91 Lakh | ₹17.14 Lakh |
| Finance Costs | ₹9.36 Cr | ₹4.41 Cr | ₹0 | ₹0 | ₹0 | ₹0 |
| Depreciation & Amortisation | ₹26.13 Lakh | ₹6.34 Lakh | ₹14,000 | ₹0 | ₹0 | ₹0 |
| Other Expenses | ₹1.73 Cr | ₹1.11 Cr | ₹22.87 Lakh | ₹11.71 Lakh | ₹10.81 Lakh | ₹12.03 Lakh |
| Total Expenses | ₹14.96 Cr | ₹6.55 Cr | ₹46.52 Lakh | ₹32.79 Lakh | ₹29.72 Lakh | ₹29.17 Lakh |
| Profit Before Exceptional Items & Tax | ₹3.93 Cr | ₹3.73 Cr | ₹1.95 Cr | ₹1.94 Cr | ₹1.58 Cr | ₹1.53 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹3.93 Cr | ₹3.73 Cr | ₹1.95 Cr | ₹1.94 Cr | ₹1.58 Cr | ₹1.53 Cr |
| Total Tax Expense | ₹1.29 Cr | ₹1.11 Cr | ₹49.5 Lakh | ₹50 Lakh | ₹44.08 Lakh | ₹41.43 Lakh |
| Net Profit | ₹2.63 Cr | ₹2.62 Cr | ₹1.45 Cr | ₹1.44 Cr | ₹1.14 Cr | ₹1.11 Cr |
| Other Comprehensive Income | ₹7,000 | ₹11.58 Lakh | ₹6.18 Lakh | ₹79,000 | -₹1.7 Lakh | -₹6.54 Lakh |
| Total Comprehensive Income | ₹2.63 Cr | ₹2.74 Cr | ₹1.51 Cr | ₹1.45 Cr | ₹1.12 Cr | ₹1.05 Cr |
| EBITDA (computed) | ₹13.55 Cr | ₹8.2 Cr | ₹1.95 Cr | ₹1.94 Cr | ₹1.58 Cr | ₹1.53 Cr |
| Basic EPS | ₹2.07 | ₹2.06 | ₹1.14 | ₹1.14 | ₹0.90 | ₹0.88 |
| Diluted EPS | ₹2.07 | ₹2.06 | ₹1.14 | ₹1.14 | ₹0.90 | ₹0.88 |
| Metrics | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Total Assets | ₹192.51 Cr | ₹131.22 Cr | ₹36.87 Cr | ₹35.62 Cr | ₹33.72 Cr | ₹33.17 Cr |
| Non-current Assets | - | - | - | - | - | ₹8.01 Cr |
| Current Assets | - | - | - | - | - | ₹25.16 Cr |
| Property, Plant & Equipment | ₹64.86 Lakh | ₹60.28 Lakh | ₹3.36 Lakh | ₹0 | ₹0 | ₹0 |
| Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Trade Receivables | - | - | - | - | - | ₹1,100 |
| Cash & Equivalents | ₹2.47 Cr | ₹0 | ₹46.19 Lakh | ₹6.89 Lakh | ₹2.26 Lakh | ₹23.77 Cr |
| Equity (Net Worth) | ₹41.83 Cr | ₹39.2 Cr | ₹36.46 Cr | ₹34.95 Cr | ₹33.5 Cr | ₹32.38 Cr |
| Equity Share Capital | ₹12.69 Cr | ₹12.69 Cr | ₹12.69 Cr | ₹12.69 Cr | ₹12.69 Cr | ₹12.69 Cr |
| Borrowings (Non-current) | - | - | - | - | - | ₹0 |
| Borrowings (Current) | - | - | - | - | - | ₹0 |
| Total Debt (computed) | - | - | - | - | - | ₹0 |
| Current Liabilities | - | - | - | - | - | ₹79.06 Lakh |
| Total Liabilities | ₹150.68 Cr | ₹92.02 Cr | ₹40.87 Lakh | ₹67.04 Lakh | ₹22.02 Lakh | ₹79.06 Lakh |
| Metrics | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|
| Operating Cash Flow | -₹49.72 Cr | -₹87.28 Cr | ₹68.81 Lakh |
| Investing Cash Flow | ₹1.15 Cr | -₹56.15 Lakh | -₹29.5 Lakh |
| Financing Cash Flow | ₹50.43 Cr | ₹89.01 Cr | ₹0 |
| Capital Expenditure | ₹0 | ₹0 | ₹3.5 Lakh |
| Free Cash Flow (computed) | -₹49.72 Cr | -₹87.28 Cr | ₹65.31 Lakh |
| Dividends Paid | ₹0 | ₹0 | ₹0 |
| Net Change in Cash | ₹1.86 Cr | ₹1.17 Cr | ₹39.3 Lakh |
| Metrics | Q3 FY25 | Q2 FY25 | Q1 FY25 |
|---|---|---|---|
| Revenue from Operations | ₹7.59 Cr | ₹6.82 Cr | ₹6.42 Cr |
| Interest Earned | ₹6.73 Cr | ₹6.14 Cr | ₹5.82 Cr |
| Other Income | ₹6.53 Lakh | ₹3.1 Lakh | ₹1 Lakh |
| Total Income | ₹7.66 Cr | ₹6.85 Cr | ₹6.43 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹86.88 Lakh | ₹84.78 Lakh | ₹85.48 Lakh |
| Finance Costs | ₹3.71 Cr | ₹3.41 Cr | ₹3.35 Cr |
| Depreciation & Amortisation | ₹7.09 Lakh | ₹6.83 Lakh | ₹6.36 Lakh |
| Other Expenses | ₹73.21 Lakh | ₹52.98 Lakh | ₹56.99 Lakh |
| Total Expenses | ₹5.51 Cr | ₹5.29 Cr | ₹5.04 Cr |
| Profit Before Exceptional Items & Tax | ₹2.14 Cr | ₹1.56 Cr | ₹1.4 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹2.14 Cr | ₹1.56 Cr | ₹1.4 Cr |
| Total Tax Expense | ₹42.53 Lakh | ₹39.23 Lakh | ₹35.16 Lakh |
| Net Profit | ₹1.72 Cr | ₹1.17 Cr | ₹1.04 Cr |
| Other Comprehensive Income | ₹16,000 | ₹15,000 | ₹6,000 |
| Total Comprehensive Income | ₹1.72 Cr | ₹1.17 Cr | ₹1.05 Cr |
| EBITDA (computed) | ₹5.92 Cr | ₹5.04 Cr | ₹4.81 Cr |
| Basic EPS | ₹1.36 | ₹0.92 | ₹0.82 |
| Diluted EPS | ₹1.36 | ₹0.92 | ₹0.82 |
Charges & Borrowings of Real Touch Finance Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 25 Mar 2026 | Others | ₹15 Cr | Open |
| 30 Dec 2025 | Others | ₹8 Cr | Open |
| 27 Mar 2025 | Indian Overseas Bank | ₹15 Cr | Open |
| 03 Oct 2024 | Others | ₹25 Cr | Open |
| 11 Jul 2024 | Others | ₹8 Cr | Open |
Total charge records: 9 View all charges
Employees and EPFO Compliance at Real Touch Finance Limited
View historical data on people associated with Real Touch Finance Limited, including employment history and EPFO contributions.
Employee and EPFO history for Real Touch Finance Limited
Monthly headcount, contribution history, establishment records, and filing compliance require an active report plan.
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GST Compliance of Real Touch Finance Limited
GST registrations and filing compliance for Real Touch Finance Limited
State-wise registrations, return filing status, HSN and SAC details, and jurisdiction records require an active report plan.
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Credit Ratings, Litigation & Regulatory Alerts for Real Touch Finance Limited
Credit ratings, litigation, and regulatory alerts for Real Touch Finance Limited
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- Rating history
- Court and tribunal cases
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MSME Payment Delays by Real Touch Finance Limited
MSME payment history for Real Touch Finance Limited
Amounts outstanding to micro and small suppliers, delay reasons, and MSME-1 filing history require an active report plan.
- Outstanding amounts
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- MSME-1 filing history
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Subsidiaries & Group Companies of Real Touch Finance Limited
Corporate group structure for Real Touch Finance Limited
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MCA Filings & Documents of Real Touch Finance Limited
MCA filings and documents for Real Touch Finance Limited
Official forms, annual returns, financial statements, charge filings, and document dates require an active report plan.
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Recent Activity on Real Touch Finance Limited
Frequently Asked Questions about Real Touch Finance Limited
Real Touch Finance Limited is an active public limited company in the financial services sector based in Howrah, West Bengal, India. It was incorporated on 13 August 1997 (29+ years old) and is registered under CIN L01111WB1997PLC085164. Listed on BSE: 538611. The company has 64 employees.
Real Touch Finance Limited reported revenue of ₹18.74 Cr for FY 2024 (up 101.98% YoY) based on standalone BSE filings.
The current directors of Real Touch Finance Limited are:
- Somnath Sarkar - Director
- Gopal Sridharan - Whole-Time Director
- Muthusamy Ganeshkumar - Director
- Ratnesh Kumar Agrawal - Director
- Padmini Ceruseri Srikanth - Director
The primary industry of Real Touch Finance Limited is financial services. The company specifically operates in investment and credit nbfc. The company is currently active in this sector.
Yes. Real Touch Finance Limited is listed on BSE with code 538611.
Real Touch Finance Limited can be reached at the registered office: Arihant Enclave Ground Floor 493B57A G.T RoadSouth Shibpur, Howrah, West Bengal, India – 711102, or through the website realtouchfinance.com.