RSD Finance Limited RSDFIN NSEFINANCIAL
Company Overview
RSD Finance Limited, together with its subsidiaries, operates as a non-banking finance company in India. The company provides loans and advances, inter-corporate deposits, and loans against securities, as well as investing in shares and securities, and various financial instruments. It is also involved in the purchase or sale of equipment, plants, properties, securities, or other assets; generation and transmission of solar energy; and real estate business. In addition, the company provides investment and financial services; job work services for metal plating; hotel business; heat treatment activities; and acquisition of shares, stocks, bonds, debentures, and securities. It operates a hotel under the brand name of The Alcor Hotel. RSD Finance Limited was incorporated in 1963 and is based in Jamshedpur, India.
Why Investors Should Care
Net profit has compounded at 10.5% per year over the last five years.
Trades at a P/E of 6.7, below the sector median of 15.2.
Maintains a net profit margin of 28.2%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹38.00 Cr (-71.2% YoY); net profit ₹15.00 Cr.
- Trailing 12 Months Year-on-year growth — revenue -1.4%, earnings +11.4%.
- 5-Year Trend Long-term compounding — revenue CAGR 1.6%, profit CAGR 10.5%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 1.57% |
| 1 Year: | -1.40% |
Compounded Profit Growth
| 5 Years: | 10.50% |
| 1 Year: | 11.40% |
Stock Price Performance
| 1 Year: | -2.92% |
| 6 Months: | - |
| 3 Months: | -1.21% |
| 1 Month: | -11.36% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- RSI (14)37.90 · Neutral
P/E of 6.66 is below the sector median of 15.25 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 28.2%.
- Profit CAGR of 10.5% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 48.9% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | RSDFIN RSD Finance Limited NSEFINANCIAL | 81.98 | 6.66 | - | 0.00% | - | 6.85% | 1.57% | 10.50% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 694.05 | 15.17 | ₹10.70 L Cr | 1.88% | - | 13.84% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,398.50 | 18.08 | ₹10.04 L Cr | 0.89% | - | 16.07% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 970.00 | 10.40 | ₹8.95 L Cr | 1.82% | - | 15.18% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 942.10 | 28.93 | ₹5.87 L Cr | 0.56% | - | 16.68% | 22.58% | 18.23% |
| 6 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 437.00 | 21.42 | ₹4.35 L Cr | 0.15% | - | 10.64% | 13.48% | 8.92% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,212.00 | 13.63 | ₹3.77 L Cr | 0.08% | - | 13.35% | 12.16% | 34.61% |
| 8 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,678.00 | 26.64 | ₹2.69 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
| 9 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 387.50 | 8.16 | ₹2.45 L Cr | 2.59% | - | 32.53% | 7.26% | 16.86% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 23.52 Cr | 25.45 Cr | 18.91 Cr | 28.08 Cr | 30.67 Cr | 32.55 Cr | 29.44 Cr | 31.31 Cr | 36.71 Cr | 11.47 Cr | 6.28 Cr | 14.25 Cr | 5.58 Cr |
| Operating Expenses | 19.02 Cr | 18.35 Cr | 16.18 Cr | 18.86 Cr | 22.62 Cr | 23.09 Cr | 21.81 Cr | 22.72 Cr | 30.30 Cr | 4.83 Cr | 4.84 Cr | 6.61 Cr | 5.84 Cr |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 88.00 L | 54.00 L | 63.00 L | 94.00 L | 70.00 L | 52.00 L | 47.00 L | 52.00 L | 2.45 Cr | 1.00 L | 1.00 L | 2.00 L | 3.00 L |
| Pretax Income | 1.52 Cr | 4.13 Cr | 2.79 Cr | 6.80 Cr | 8.13 Cr | 9.06 Cr | 7.22 Cr | 6.12 Cr | 2.96 Cr | 9.31 Cr | 3.10 Cr | 8.92 Cr | -35.00 L |
| Tax Provision | 59.99 L | 94.00 L | 27.01 L | 1.52 Cr | 1.72 Cr | 2.11 Cr | 1.63 Cr | 1.72 Cr | 2.09 Cr | 1.47 Cr | 34.01 L | 76.98 L | -2.94 Cr |
| Net Income | 93.00 L | 3.19 Cr | 2.53 Cr | 5.28 Cr | 6.40 Cr | 6.96 Cr | 5.59 Cr | 4.40 Cr | 87.00 L | 7.84 Cr | 2.76 Cr | 8.15 Cr | -3.30 Cr |
| Diluted EPS | 0.87 | 2.27 | 1.66 | 3.12 | 3.76 | 4.13 | 3.71 | 2.06 | 0.33 | 4.86 | 2.01 | 5.33 | -2.27 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 32.00 Cr | 48.00 Cr | 42.00 Cr | 45.00 Cr | 59.00 Cr | 71.00 Cr | 55.00 Cr | 97.00 Cr | 97.00 Cr | 108.00 Cr | 132.00 Cr | 38.00 Cr |
| Operating Expenses | 25.00 Cr | 30.00 Cr | 25.00 Cr | 32.00 Cr | 41.00 Cr | 52.00 Cr | 39.00 Cr | 61.00 Cr | 66.00 Cr | 76.00 Cr | 98.00 Cr | 22.00 Cr |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 0 | 1.00 Cr | 1.00 Cr | 2.00 Cr | 2.00 Cr | 2.00 Cr | 2.00 Cr | 2.00 Cr | 3.00 Cr | 3.00 Cr | 4.00 Cr | 0 |
| Pretax Income | 6.00 Cr | 14.00 Cr | 14.00 Cr | 7.00 Cr | 15.00 Cr | 13.00 Cr | 10.00 Cr | 24.00 Cr | 16.00 Cr | 22.00 Cr | 25.00 Cr | 21.00 Cr |
| Tax Provision | 1.68 Cr | 3.08 Cr | 3.08 Cr | 1.68 Cr | 3.45 Cr | 2.34 Cr | 1.70 Cr | 6.00 Cr | 3.20 Cr | 4.40 Cr | 7.50 Cr | 5.46 Cr |
| Net Income | 5.00 Cr | 11.00 Cr | 11.00 Cr | 5.00 Cr | 11.00 Cr | 11.00 Cr | 8.00 Cr | 18.00 Cr | 13.00 Cr | 17.00 Cr | 18.00 Cr | 15.00 Cr |
| Diluted EPS | 3.65 | 7.73 | 7.76 | 3.66 | 7.87 | 5.76 | 5.48 | 12.37 | 8.56 | 10.81 | 10.23 | 9.93 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 109.00 Cr | 161.00 Cr | 170.00 Cr | 172.00 Cr | 188.00 Cr | 203.00 Cr | 214.00 Cr | 252.00 Cr | 263.00 Cr | 275.00 Cr | 292.00 Cr | 267.00 Cr |
| Total Equity | 90.00 Cr | 113.00 Cr | 122.00 Cr | 127.00 Cr | 139.00 Cr | 145.00 Cr | 156.00 Cr | 175.00 Cr | 183.00 Cr | 198.00 Cr | 211.00 Cr | 219.00 Cr |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -6.00 Cr | 11.00 Cr | -16.00 Cr | -8.00 Cr | 5.00 Cr | 4.00 Cr | 15.00 Cr | 5.00 Cr | 6.00 Cr | 15.00 Cr | -0 | 7.00 Cr |
| Investing Cash Flow | 4.00 Cr | -32.00 Cr | 12.00 Cr | 4.00 Cr | 0 | -9.00 Cr | -13.00 Cr | -13.00 Cr | -12.00 Cr | -6.00 Cr | 5.00 Cr | 19.00 Cr |
| Financing Cash Flow | 3.00 Cr | 26.00 Cr | 1.00 Cr | 2.00 Cr | -3.00 Cr | 4.00 Cr | -1.00 Cr | 13.00 Cr | 4.00 Cr | -8.00 Cr | -6.00 Cr | -26.00 Cr |
| Capital Expenditure | -1.00 Cr | -29.00 Cr | -26.00 Cr | -12.00 Cr | -13.00 Cr | -3.00 Cr | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | -7.00 Cr | -18.00 Cr | -42.00 Cr | -20.00 Cr | -8.00 Cr | 1.00 Cr | 15.00 Cr | 5.00 Cr | 6.00 Cr | 15.00 Cr | -0 | 7.00 Cr |
| Net Change in Cash | 1.00 Cr | 5.00 Cr | -3.00 Cr | -2.00 Cr | 2.00 Cr | -2.00 Cr | 1.00 Cr | 5.00 Cr | -2.00 Cr | 1.00 Cr | -1.00 Cr | -1.00 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | 15.6% | 22.9% | 26.2% | 11.1% | 18.6% | 15.5% | 14.5% | 18.6% | 13.4% | 15.7% | 13.6% | 39.5% |
| ROE % | 5.6% | 9.7% | 9.0% | 3.9% | 7.9% | 7.6% | 5.1% | 10.3% | 7.1% | 8.6% | 8.5% | 6.8% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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RSDFIN — Frequently Asked Questions
What is the current share price of RSD Finance Limited (RSDFIN)?
As of 2026-10-24 04:55 IST, RSD Finance Limited (RSDFIN) trades at ₹81.98 on NSE. Its 52-week range is ₹75.05 to ₹160.46.
What is the P/E ratio of RSDFIN?
RSDFIN trades at a trailing price-to-earnings (P/E) ratio of 6.66. The industry average P/E is 15.25. Its price-to-book (P/B) ratio is 0.51.
What is the return on equity (ROE) of RSDFIN?
RSDFIN has a return on equity (ROE) of 6.85%.
Is RSDFIN a good stock to buy?
This page provides a data-driven analysis of RSD Finance Limited (RSDFIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.