About Real Touch Finance Limited
Data last updated: 21 December 2025
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 L01111WB1997PLC085164. 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 Ratnesh Kumar Agrawal and Sundaresan Sampathkumar.
Last AGM: 30 September 2024. Financial statements filed for year ended 31 March 2024. Office: Arihant Enclave Ground Floor 493B/57A G.T Road(South) Shibpur, Howrah, West Bengal, India – 711102.
As per the financials filed for FY 2024, the company reported a revenue of ₹18.88 Cr, a growth of 81.56% compared to the previous year.
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 ₹100.43 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.
-
Email*****@*****.com
-
Telephone+91-****-******
-
Website
-
Social Media**************
-
Registered AddressArihant Enclave Ground Floor 493B/57A G.T Road(South) Shibpur, Howrah, West Bengal, India – 711102
-
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
- PDF report delivered after checkout
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 |
|---|---|---|---|---|
| ********* | Financial and insurance Service | ********* | Other financial activities | ********* |
Auditor Details of Real Touch Finance Limited
Real Touch Finance Limited is audited by P. D. RANDAR & CO. for the financial year 2018. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| P. D. RANDAR & CO. | blur-value | blur-value | blur-value |
Board of Directors of Real Touch Finance Limited
Real Touch Finance Limited is currently managed by 9 directors, with 21 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 |
|---|---|---|---|---|
| Ratnesh Kumar Agrawal | Director | 14 Feb 2024 | 2 Years 4 Months | Current |
|
Sundaresan Sampathkumar
Also directs:
Real Touch Finance Limited, Castle Traders Limited, Khivraj Vahan Private Limited and 1 more
|
Director | 14 Nov 2022 | 3 Years 7 Months | Current |
|
Angalappan Anandakumar
Also directs:
Real Touch Finance Limited, Castle Traders Limited
|
Cfo | 28 Dec 2023 | 2 Years 6 Months | Current |
|
Padmini Ceruseri Srikanth
Also directs:
Real Touch Finance Limited
|
Director | 14 Feb 2024 | 2 Years 4 Months | Current |
|
Somnath Sarkar
Also directs:
Real Touch Finance Limited
|
Director | 28 Sep 2021 | 4 Years 9 Months | Current |
|
Sridharan
Also directs:
Real Touch Finance Limited
|
Whole-Time Director | 06 Jan 2022 | 4 Years 6 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. Profit growth despite declining revenue indicates effective cost management and margin discipline.
| 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 |
Shareholding Pattern of Real Touch Finance Limited
As per the shareholding pattern filed with BSE for the quarter ended Mar 2026, promoters hold 54.12%, domestic institutional investors hold 0.03%, retail and other public shareholders hold 45.84% of Real Touch Finance Limited. The company had 1,380 shareholders on record.
| Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Promoters | 54.12% | 54.12% | 54.12% | 54.12% | 54.12% | 54.12% |
| Public | 45.88% | 45.88% | 45.88% | 45.88% | 45.88% | 45.88% |
| Mar 2026 | Mar 2025 | Mar 2024 | |
|---|---|---|---|
| Promoters | 54.12% | 54.12% | 54.12% |
| Public | 45.88% | 45.88% | 45.88% |
| Promoter change (YoY, %pts) | +0.00 | +0.00 | - |
Charges & Borrowings of Real Touch Finance Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 27 Mar 2025 | Indian Overseas Bank | ₹15 Cr | Open |
| 03 Oct 2024 | Others | ₹25 Cr | Open |
| 11 Jul 2024 | Others | ₹8 Cr | Open |
| 04 Mar 2024 | Indian Overseas Bank | ₹10 Cr | Open |
| 23 Jun 2023 | Others | ₹15 Cr | Open |
Total charge records: 7 View all charges
Employees and EPFO Compliance at Real Touch Finance Limited
Real Touch Finance Limited has a workforce of 64 employees as of Apr 03, 2025.
Employee Count & EPFO Data of Real Touch Finance Limited
Access employee headcount trends, monthly PF payment records, EPFO establishment details, and compliance data.
GST Compliance of Real Touch Finance Limited
GSTIN & GST Filing Data of Real Touch Finance Limited
Access GSTIN registrations, state-wise filing compliance, HSN/SAC codes, and detailed goods & services data.
Credit Ratings, Litigation & Regulatory Alerts for Real Touch Finance Limited
Credit Ratings, Legal Cases & Regulatory Alerts of Real Touch Finance Limited
Access complete credit rating history, litigation records, regulatory alerts, and compliance data.
MSME Payment Delays by Real Touch Finance Limited
MSME Payment Delays by Real Touch Finance Limited
Track payments outstanding to micro and small enterprise vendors, as disclosed in half-yearly MSME-1 returns filed with the MCA.
Subsidiaries & Group Companies of Real Touch Finance Limited
Subsidiaries & Group Companies of Real Touch Finance Limited
See the full corporate group - holding company, subsidiaries, associates and joint ventures of Real Touch Finance Limited with ownership details.
MCA Filings & Documents of Real Touch Finance Limited
MCA Filings & Documents of Real Touch Finance Limited
Download official documents filed with the Ministry of Corporate Affairs - from incorporation papers to the latest annual filings.
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 ₹18.88 Cr for FY 2024 (up 81.56% YoY).
The current directors of Real Touch Finance Limited are:
- Ratnesh Kumar Agrawal
- Sundaresan Sampathkumar
- Angalappan Anandakumar
- Padmini Ceruseri Srikanth
- Manoj Kumar Jena
- Somnath Sarkar
- Sridharan
- Muthusamy Ganeshkumar
- Angalappan Anandakumar
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.