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Tourism Finance Corporation of India Ltd

| Quarterly Financial Results Q3 FY 2025-26

BULLISH SENTIMENT

Report Source

⬤30th Jan 26

Summary : Tourism Finance Corporation of India Ltd. reports strong unaudited financial results for Q3/9M FY2026, driven by increased income and excellent asset quality, while proactively managing potential business uncertainties.

Quarterly Report Analysis & Insights

Financial Disclosures

  1. Total Expenses for Q3 2025: 3,025.34 Lakh
  2. Total Expenses for 9M 2025: 8,783.40 Lakh
  3. Finance Cost for Q3 2025: 2,371.15 Lakh
  4. Finance Cost for 9M 2025: 6,868.21 Lakh
  5. Employees benefit expense for Q3 2025: 361.31 Lakh
  6. Employees benefit expense for 9M 2025: 1,121.15 Lakh
  7. Other Operating Expenses for Q3 2025: 278.84 Lakh
  8. Other Operating Expenses for 9M 2025: 752.12 Lakh
  9. Total Income for Q3 2025: 7,059.00 Lakh
  10. Total Income for 9M 2025: 20,289.48 Lakh
  11. Interest Income for Q3 2025: 5,892.24 Lakh
  12. Interest Income for 9M 2025: 17,228.33 Lakh
  13. Fee & Commission Income for Q3 2025: 661.09 Lakh
  14. Fee & Commission Income for 9M 2025: 1,219.18 Lakh
  15. Net Gain/(Loss) on fair value change for Q3 2025: 410.28 Lakh
  16. Net Gain/(Loss) on fair value change for 9M 2025: 1,418.14 Lakh
  17. Other Income for Q3 2025: 95.39 Lakh
  18. Other Income for 9M 2025: 309.59 Lakh
  19. Equity Share Capital: 9,259.54 Lakh
  20. Tangible Net worth: 1,27,285.30 Lakh
  21. Total Debt - Equity ratio: 0.75:1
  22. Total Debt to Total Assets (%): 42.50%
  23. Capital Risk Adequacy Ratio (CRAR %): 58.13%
  24. Gross NPA (%): 0.38%
  25. Net NPA (%): Nil
  26. Unaudited Standalone financial results.

Corporate Overview

  1. India-centric operations (New Delhi, Mumbai addresses).
  2. Business uncertainties impacting loan asset quality.
  3. Engaged mainly in financing and investment business activity.
  4. Interest Income
  5. Fee & Commission Income
  6. Net Gain/(Loss) on fair value change
  7. Other Income

Risk Factors

  1. Business uncertainties impacting loan assets.
  2. Potential economic downturns affecting portfolio.
  3. Regulatory changes for NBFCs.
  4. Increased competition in finance sector.

Key Drivers

  1. Strong profit growth, increased EPS.
  2. Excellent asset quality, low NPAs.
  3. Robust capital adequacy ratio.
  4. Proactive provisioning for future uncertainties.

Auditor’s Report

  1. Unmodified limited review opinion.

Board Commentary

  1. Business uncertainties, loan asset quality concerns.
  2. Compliance with SEBI (LODR) Regulations 2015.

Corporate Governance

  1. Audit Committee reviewed financial results.

Management Discussion & Analysis

Future Strategy

  1. Focus on asset quality management, enhanced ECL provisions.

Macroeconomic Outlook

  1. Prevailing indicators of future economic scenario influencing provisions.

Operational Focus Areas

  1. Managing loan assets, making adequate provisions, regulatory compliance.

Performance Drivers

  1. Revenue from operations, managing finance costs and provisions.

Risk Control Measures

  1. Enhanced Expected Credit Loss (ECL) provision made in books.

Critical Risks

  1. Business uncertainties, potential deterioration of loan asset quality.
Tourism Finance Corporation of India Ltd (TFCILTD) Quarterly Report Analysis & Insights | Dhanarthi