KARNAVATI.BO · BSE
Karnavati Finance Limited
₹1.36
+0.74% (+₹0.01)
Prev. close
₹1.35
Volume
11,463
As of
18 Sept 2026
Price history
No analyst calls on this stock in the last 90 days yet.
Explore by date range →Analyst opinions
Fundamentals
About Karnavati Finance Limited
Karnavati Finance Limited, a non-banking finance company, engages in the provision of various financial services. The company offers personal, business, auto, education, and mortgage/property-backed loans, as well as home, refinance, construction, investment property, vehicle, and other loans. It also provides secured and unsecured term, business and working capital, short-term and long-term, SME, and asset-backed financing, as well as credit facilities. The company was formerly known as Karnavati Finance and Leasing Limited and changed its name to Karnavati Finance Limited in December 1989. Karnavati Finance Limited was incorporated in 1984 and is based in Jamnagar, India.
Details
Sector
Financial Services
Industry
Credit Services
CEO
Mr. Jay Ramanbhai Morzaria
Headquarters
Jamnagar
Employees
8
Website
karnavatifinancelimited.coExchange
View on BSE ↗Key stats
Market cap
₹13.67 Cr
P/E ratio (TTM)
19.4
EPS (TTM)
₹0.07
Beta (1Y · daily vs NIFTY 50)
0.57
Beta (5Y · monthly vs NIFTY 50)
0.81
Shares float
2.96 Cr
EPS · quarter ended Jun 2026
₹0.62
Financial Performance
01 · Financials
FY23 growth needs FY22 filings, which the data source doesn't provide.
02 · Earnings Per Share (EPS)
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| ₹2.85 Cr | ₹3.04 Cr | ₹1.57 Cr | ₹5.31 Cr | |
| EBITDA | ₹75.47 L | ₹-1.55 Cr | ₹-1.67 Cr | ₹-5.74 Cr |
| ₹56.11 L | ₹-1.67 Cr | ₹-1.68 Cr | ₹-5.90 Cr | |
| Diluted EPS | ₹0.56 | ₹-1.66 | ₹-0.17 | ₹-0.59 |
09 · Balance Sheet
Annual
| Line item | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| — | ₹27.35 Cr | ₹28.73 Cr | ₹21.61 Cr | ₹65.26 Cr | |
| — | ₹12.73 Cr | ₹15.55 Cr | ₹11.09 Cr | ₹59.90 Cr | |
| Stockholders' equity | — | ₹13.58 Cr | ₹11.91 Cr | ₹10.23 Cr | ₹4.33 Cr |
Total assets, Current assets, Cash & equivalents, Non-current assets, Fixed assets, Total debt, Long-term debt, Stockholders' equity have filed figures for only some of the years shown — the missing years are left blank rather than estimated. Inventory shows ₹0 for 2025-03-31 — this deck's own annual-report reading has no Inventory figure for this filer in any year shown (2025-03-31, 2026-03-31 alike); the ₹0 shown here comes from this filer's own reported data feed rather than this deck's own extraction, and is positively consistent with a filer that holds no physical inventory (typical for lenders and other financial-services companies) rather than a display default. 2026-03-31 has no Inventory figure reaching this deck at all — not shown as zero, not shown as positive — left blank rather than assumed to match the other years.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
Trade receivables for 2026-03-31 is left blank: this filer's balance sheet does not caption any line "Trade receivables" in any year, filed or otherwise — checked directly against the filing. The figures shown for other years are this deck's own closest reading of related but differently-named current-asset items (e.g. outstanding premiums, receivables from unit-linked schemes), not a line the filing itself totals this way; this year's filing presents those same items in a form this deck has not yet been able to read into the same approximation.
10 · Cash Flow Statement
Annual
| Line item | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| ₹-9.44 Cr | ₹-2.79 Cr | ₹5.48 Cr | ₹-44.84 Cr | |
| Investing cash flow | ₹0 | ₹0 | ₹0 | ₹0 |
| Financing cash flow | ₹11.03 Cr | ₹1.25 Cr | ₹-5.60 Cr | ₹44.93 Cr |
| End cash position | ₹1.69 Cr | ₹14.30 L | ₹1.96 L | ₹10.69 L |
Annual only — the data source has no quarterly cash-flow-statement coverage.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| Karnavati Finance Limited | ₹13.57 Cr | ₹1.35 | 19.3 | 3.14 | -136.4% | 13.85 | +237.6% | -15.6% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
Annual reports
Show all 12
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.