Real Touch Finance Ltd.
BBSE:RTFL35.70
INR
0.00
(0.00%)
Real Touch Finance Ltd.
BSE:RTFL
(Bombay Stock Exchange)
Recent
price
35.70
P/E
ratio
12.18
div
yld
- -
ROIC.AI
Capital Structure
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in mil. unless spec.Growth Rates
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in mil. unless spec.- Similar Companies
- Business
- Real Touch Finance Limited, founded in 1984 and headquartered in India, operates as a registered non-banking financial company (NBFC) primarily offering financing solutions tailored for individuals and small enterprises. The company’s product portfolio includes personal loans for various purposes such as education expenses, wedding functions, home renovations, and professional needs; loan against property utilizing residential or commercial properties as collateral, aimed at funding business expansion, asset creation, working capital, and other personal requirements; and structured finance solutions designed specifically for corporates to address short- and long-term financial needs. Real Touch Finance serves a diverse customer base including micro and small businesses like grocery stores, tailoring shops, vegetable vendors, agriculture farms, and small mechanics, supporting their growth through customized loan products. The company’s operations are focused in India. Recent significant developments include a strategic financial maneuver where the company’s board approved a write-off of ₹2.22 crore in irrecoverable bad debts, representing about 7.68% of its total turnover, aiming to clean up its balance sheet while maintaining provisions to buffer any material impact. Despite a temporary net loss reported in the latest quarter, Real Touch Finance continues actively pursuing recovery through legal channels. The company also expanded its funding solutions by offering specialized financial products for NBFCs, including loans up to ₹5 crore with attractive interest rates and quick turnaround, supporting sector growth and enhancing its strategic focus on SME and NBFC financing. Real Touch Finance is currently a subsidiary of Ultraplus Housing Estate Private Limited, which holds a majority stake. The company has also seen strong revenue and profitability growth in recent quarters, evidenced by a 39.63% year-on-year increase in half-yearly net sales reported in late 2024, highlighting growth momentum despite market challenges. Real Touch Finance operates in the financial services industry with core business segments including personal lending, secured business loans, and structured corporate finance. Its flexibility in product design and digital processing options positions it competitively among Indian NBFCs serving retail and small business segments across the country. The company changed its name from Associated Ceramics Limited to Real Touch Finance Limited in 2015 to reflect its financial services focus. Overall, Real Touch Finance Limited continues to evolve its product offerings and operational strategies to meet the diverse funding needs of its customers while managing credit risks in a challenging economic environment.