Incorporated in 1982, Rajkot Investment TrustLtd is in the business of providing loans & investments[1]
Business Overview:[1]RITL is a non-systematically Important non-deposit taking non-banking financial company, engaged in the lending business
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Bajaj Finance | 969.70 | 32.95 | 603085.53 | 0.45 | 4947.76 | 21.89 | 20178.90 | 18.06 | 11.35 | 76194.74 | 68.48 | 18301.08 | 4875.36 | 5.85 | 3.99 | 3.85 |
| 2. | Shriram Finance | 995.90 | 21.39 | 187392.89 | 0.99 | 2314.16 | 12.22 | 11912.44 | 18.07 | 10.95 | 45601.30 | 72.59 | 8760.03 | 2314.22 | 3.09 | 3.04 | 3.87 |
| 3. | Muthoot Finance | 3955.40 | 21.73 | 158768.63 | 0.66 | 2411.65 | 90.36 | 7282.79 | 47.76 | 13.19 | 24544.40 | 75.96 | 7303.69 | 2420.63 | 4.83 | 4.67 | 3.76 |
| 4. | Tata Capital | 360.60 | 41.59 | 153048.81 | 0.00 | 1118.97 | 2.01 | 7737.18 | 7.69 | 9.58 | 28323.85 | 71.64 | 3658.33 | 1097.32 | – | 1.72 | 5.88 |
| 5. | Cholaman.Inv.&Fn | 1785.20 | 32.43 | 150644.73 | 0.11 | 1159.61 | 19.82 | 7491.38 | 19.76 | 10.34 | 28536.73 | 69.18 | 4645.19 | 1159.61 | 5.79 | 2.38 | 7.23 |
| 6. | SBI Cards | 883.05 | 43.79 | 84010.40 | 0.28 | 444.77 | 9.98 | 4960.98 | 12.21 | 10.40 | 19130.54 | 27.49 | 1918.14 | 444.77 | 5.68 | 3.10 | 3.33 |
| 7. | L&T Finance Ltd | 314.05 | 29.13 | 78595.02 | 0.88 | 734.88 | 5.64 | 4335.75 | 7.87 | 8.71 | 16715.82 | 60.77 | 2698.51 | 734.84 | 2.98 | 2.37 | 3.72 |
| 8. | Rajkot Inv.Trust | 39.50 | 30.37 | 3.95 | 0.00 | 0.08 | -38.46 | 0.04 | -76.47 | 0.74 | 0.54 | -16.67 | 0.13 | 0.08 | 0.80 | 0.54 | 4.81 |
| – | Median: 97 Co. | 134.0 | 22.68 | 482.54 | 0.0 | 7.13 | 8.55 | 36.92 | 13.44 | 9.02 | 164.36 | 56.33 | 17.32 | 6.11 | 1.96 | 3.04 | 0.78 |
Standalone figures in ₹ crores
| Dec 2022 | Dec 2023 | Dec 2024 | Jun 2023 | Jun 2024 | Jun 2025 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | 0.04 | 0.03 | 0.18 | 0.03 | 0.17 | 0.16 | 0.04 | 0.27 | 0.16 | 0.08 | 0.03 | 0.17 | 0.04 |
Expenses | 0.03 | 0.03 | 0.36 | 0.06 | 0.15 | 0.13 | 0.07 | 0.15 | 0.11 | 0.08 | 0.10 | 0.09 | 0.03 |
Operating Profit | 0.01 | -0.00 | -0.18 | -0.03 | 0.02 | 0.03 | -0.03 | 0.12 | 0.05 | -0.00 | -0.07 | 0.08 | 0.01 |
Other Income | -0.00 | 0.03 | 0.06 | -0.00 | 0.05 | 0.07 | 0.03 | 0.08 | 0.07 | -0.00 | -0.03 | 0.05 | 0.07 |
Profit before tax | 0.01 | 0.03 | -0.12 | -0.03 | 0.07 | 0.10 | -0.00 | 0.20 | 0.12 | -0.00 | -0.10 | 0.13 | 0.08 |
Tax % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | – | 20.00% | 41.67% | – | -0.00% | -0.00% | -0.00% |
Net Profit | 0.01 | 0.03 | -0.12 | -0.03 | 0.07 | 0.10 | -0.03 | 0.15 | 0.07 | -0.00 | -0.10 | 0.13 | 0.08 |
EPS in Rs | 0.10 | 0.30 | -1.20 | -0.30 | 0.70 | 1.00 | -0.30 | 1.50 | 0.70 | -0.00 | -1.00 | 1.30 | 0.80 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | 0.36 | 0.34 | 0.75 | 0.58 | 0.52 | 0.40 | 0.38 | 0.46 | 0.54 | 0.21 | 0.44 | 0.92 | 0.54 |
Expenses | 0.22 | 0.27 | 0.65 | 0.38 | 0.35 | 0.32 | 0.28 | 0.40 | 0.49 | 0.19 | 0.34 | 0.72 | 0.63 |
Operating Profit | 0.14 | 0.07 | 0.10 | 0.20 | 0.17 | 0.08 | 0.10 | 0.06 | 0.05 | 0.02 | 0.10 | 0.20 | -0.09 |
Other Income | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 0.03 | -0.00 | -0.00 | 0.27 |
Interest | -0.00 | -0.00 | 0.01 | 0.10 | 0.12 | 0.10 | 0.11 | 0.10 | -0.00 | -0.00 | -0.00 | -0.00 | 0.00 |
Depreciation | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 0.00 |
Profit before tax | 0.14 | 0.07 | 0.09 | 0.10 | 0.05 | -0.02 | -0.01 | -0.04 | 0.05 | 0.05 | 0.10 | 0.20 | 0.18 |
Net Profit | 0.11 | 0.04 | 0.06 | 0.07 | 0.01 | -0.01 | -0.06 | -0.06 | -0.02 | 0.02 | 0.05 | 0.15 | 0.13 |
EPS in Rs | 5.50 | 2.00 | 0.60 | 0.70 | 0.10 | -0.10 | -0.60 | -0.60 | -0.20 | 0.20 | 0.50 | 1.50 | 1.30 |
Dividend Payout % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | – |
Standalone figures in ₹ crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 0.20 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
Reserves | 0.67 | 3.51 | 3.57 | 3.64 | 3.65 | 3.64 | 3.59 | 3.52 | 3.50 | 3.52 | 3.58 | 3.73 | 3.91 |
Borrowings | -0.00 | 0.14 | 0.88 | 0.94 | 1.34 | 1.43 | 1.55 | 8.80 | 8.10 | 8.10 | 21.35 | 23.47 | 23.64 |
Other Liabilities | 0.03 | 0.18 | 0.41 | 0.44 | 0.61 | 0.63 | 0.86 | 13.83 | 13.66 | 0.68 | 0.70 | 0.91 | 0.85 |
Total Liabilities | 0.90 | 4.83 | 5.86 | 6.02 | 6.60 | 6.70 | 7.00 | 27.15 | 26.26 | 13.30 | 26.63 | 29.11 | 29.40 |
Fixed Assets | -0.00 | 0.01 | 0.01 | -0.00 | -0.00 | 0.63 | 0.48 | 0.32 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
Gross Block | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.63 | 0.49 | 0.33 | 0.02 | 0.02 | 0.02 | 0.02 | – |
Accumulated Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | – |
CWIP | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
Investments | 0.01 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.11 | 0.19 | 0.22 | 0.22 | 0.63 | 2.13 | 2.13 |
Other Assets | 0.89 | 4.71 | 5.74 | 5.91 | 6.49 | 5.96 | 6.41 | 26.64 | 26.04 | 13.08 | 26.00 | 26.98 | 27.27 |
Total Assets | 0.90 | 4.83 | 5.86 | 6.02 | 6.60 | 6.70 | 7.00 | 27.15 | 26.26 | 13.30 | 26.63 | 29.11 | 29.40 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operating Activity | -0.58 | -3.77 | 0.28 | 0.20 | 0.26 | 0.55 | 0.55 | 13.43 | 0.42 | -12.68 | 0.51 | 1.26 |
Cash from Investing Activity | 0.63 | -0.12 | -1.01 | -0.16 | -0.54 | -0.54 | -0.57 | -6.22 | -13.41 | 12.24 | -10.41 | -3.13 |
Cash from Financing Activity | -0.00 | 3.71 | 0.73 | -0.05 | 0.29 | -0.02 | 0.01 | 7.16 | -0.70 | -0.00 | 13.25 | 2.12 |
Net Cash Flow | 0.05 | -0.17 | 0.01 | -0.01 | 0.01 | -0.00 | -0.01 | 14.37 | -13.69 | -0.44 | 3.36 | 0.25 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Days | 230.53 | – | – | – | – | – | – | – | 511.00 | – | – | – |
Days Payable | 0.00 | – | – | – | – | – | – | – | 2,555.00 | – | – | – |
Cash Conversion Cycle | 230.53 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -2,044.00 | 0.00 | 0.00 | 0.00 |
Working Capital Days | 679.31 | 4,841.62 | 2,584.20 | 3,429.74 | 4,120.29 | -410.62 | -643.55 | -10,783.37 | -9,091.20 | -938.57 | -439.66 | -285.65 |
ROCE % | 17.28% | 2.54% | 1.98% | 3.63% | 2.94% | 1.33% | 1.64% | 0.62% | 0.39% | 0.40% | 0.52% | 0.74% |
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Stock Analysis
Rajkot Investment Trust Ltd, incorporated in 1982, operates as a non-systematically Important, non-deposit taking non-banking financial company engaged primarily in the lending business.
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