- CIN
- U65923BR2009PLC014821
- ISIN
- —
- Incorporated
- 1 Dec 2009
- Registered state
- Bihar
Prices shown are indicative, dealer-quoted and updated periodically — they are not exchange-traded prices and may differ from the price at which a transaction is finally executed.
Business overview
Prantiya Rural Finance Limited provides small-ticket group and individual loans to rural women borrowers, through 980 branches across Bihar, Uttar Pradesh, Odisha and Assam, serving 3.8 million borrowers with a loan book of about ₹7,400 crore. FY2026 profit fell sharply on higher credit cost in two states; the underlying yield on the book is unchanged, so the question is whether the stress is cyclical or structural. The company is currently unlisted with no publicly announced listing timeline, and shares change hands only through negotiated off-market transfers.
Key highlights
- PAT fell 43% in FY2026 on elevated provisions
- Collection efficiency recovered to 97.2% by Q4
- Geographic concentration in four eastern states
- Capital adequacy of 21.6%
Financial snapshot
FY2026 · Audited · Source: Audited annual report
- Revenue FY2026
- ₹1,480.00 Cr
- EBITDA
- ₹612.00 Cr
- PAT
- ₹96.00 Cr
- Net worth
- ₹1,240.00 Cr
- Total debt
- ₹6,800.00 Cr
- Cash & equivalents
- ₹420.00 Cr
- Operating cash flow
- ₹-640.00 Cr
- EPS
- ₹3.27
Management & board
- MCSince 2008
Meera Chatterjee
Managing Director & CEO
Has led Prantiya Rural since 2008 and previously held senior operating roles in the same sector.
- MPSince 2020
Meera Pillai
Chief Financial Officer
- VMSince 2021
Vikram Malhotra
Executive Director — Operations
- SDSince 2010
Shalini Deshpande
Company Secretary & Compliance Officer
- RDSince 2010
Rakesh Deshpande
Independent Director
- ADSince 2016
Ananya Deshpande
Independent Director
Reported financials · FY2024–FY2026
Figures in ₹ crore unless stated. Every column carries its own source and audit status.
| Particulars | FY2026Audited | FY2025Audited | FY2024Audited | YoY |
|---|---|---|---|---|
| Profit & loss | ||||
| Revenue | ₹1,480 Cr | ₹1,310 Cr | ₹1,080 Cr | +13.0% |
| EBITDA | ₹612 Cr | ₹586 Cr | ₹482 Cr | +4.4% |
| Profit after tax | ₹96 Cr | ₹168 Cr | ₹142 Cr | -42.9% |
| Earnings per share | ₹3.27 | ₹5.71 | ₹4.83 | — |
| Balance sheet | ||||
| Net worth | ₹1,240 Cr | ₹1,160 Cr | ₹984 Cr | +6.9% |
| Total debt | ₹6,800 Cr | ₹6,100 Cr | ₹5,200 Cr | — |
| Cash & equivalents | ₹420 Cr | ₹368 Cr | ₹296 Cr | — |
| Total assets | ₹9,200 Cr | ₹8,400 Cr | ₹7,100 Cr | — |
| Book value per share | ₹42.18 | ₹39.46 | ₹33.47 | — |
| Cash flow | ||||
| Operating cash flow | ₹-640 Cr | ₹-720 Cr | ₹-580 Cr | — |
Scroll the table sideways to see all columns
- FY2026 · Audited annual report · period ended 31 Mar 2026 · last updated in the back office 16 Sep 2026
- FY2025 · Audited annual report · period ended 31 Mar 2025
- FY2024 · Audited annual report · period ended 31 Mar 2024
Revenue, EBITDA and PAT
₹ crore. A year with no reported figure is left out rather than drawn as zero.
- Revenue
- EBITDA
- PAT
Every ratio on this tab is derived from the reported figures in the Financials tab and the indicative price in the header — nothing here is a stored value. A ratio that cannot be justified is shown as — with the reason, rather than as a negative or a zero. Ratios move when the indicative price moves.
Size
Balance-sheet items as at FY2026
- Market cap
- ₹9,349 Cr
- Enterprise value
- ₹15,729 Cr
- Indicative price
- ₹318
- Shares outstanding
- 29,40,00,000
Indicative price × shares outstanding
Market cap + debt − cash
Valuation multiples
- P/E
- 97.4x
- P/B
- 7.5x
- EV / EBITDA
- 25.7x
- EPS
- ₹3.27
- Book value / share
- ₹42.18
- Debt / equity
- 5.5x
On FY2026 PAT
Returns & margins
- ROE
- 7.7%
- ROCE (EBITDA basis)
- 7.6%
- EBITDA margin
- 41.4%
- PAT margin
- 6.5%
- Revenue growth
- 13.0%
- Cash / market cap
- 4.5%
EBITDA ÷ (net worth + debt)
Indicative price snapshots
Each point is a dated dealer-quote average. There is no continuous trading behind these numbers, so no daily series is drawn.
Prices shown are indicative, dealer-quoted and updated periodically — they are not exchange-traded prices and may differ from the price at which a transaction is finally executed.
Snapshot log
| Date | Indicative price | Change | Source |
|---|---|---|---|
| 20 Sep 2026 | ₹318 | -8.42% | Dealer desk average, 3 quotes |
| 20 Aug 2026 | ₹347 | -3.11% | Dealer desk average |
| 20 Jul 2026 | ₹358 | -3.05% | Dealer desk average |
| 20 Jun 2026 | ₹370 | -0.47% | Dealer desk average |
| 20 May 2026 | ₹371 | -2.58% | Dealer desk average |
| 20 Apr 2026 | ₹381 | -0.31% | Dealer desk average |
| 20 Mar 2026 | ₹382 | +0.48% | Dealer desk average |
| 20 Feb 2026 | ₹381 | +4.54% | Dealer desk average |
| 20 Jan 2026 | ₹364 | -0.03% | Dealer desk average |
| 20 Dec 2025 | ₹364 | +3.22% | Dealer desk average |
| 20 Nov 2025 | ₹353 | +2.04% | Dealer desk average |
| 20 Oct 2025 | ₹346 | +0.95% | Dealer desk average |
| 20 Sep 2025 | ₹342 | — | Dealer desk average |
Scroll the table sideways to see all columns
Change is measured against the previous snapshot, not against a calendar period, because snapshots are not collected on a fixed schedule. The header percentages use fixed windows and may not tie exactly to this column.
Corporate actions & events
Dated events sourced from company filings and registrar records.
- Dividend18 May 2026
Final dividend declared
Dividend recommended by the board, subject to shareholder approval at the AGM.
Company filing / RoC
- Fund raise17 Apr 2024
Preferential allotment to institutional investors
Fresh equity issued to a small group of institutional investors at a board-approved price.
Company filing / RoC
IPO / listing status
- Current stage
- Unlisted
- DRHP filed
- —
- RHP filed
- —
- Expected window
- —
- Registrar
- —
- Book-running managers
- —
No listing application has been made. Any exit before a listing depends on finding a counterparty in the off-market.
Research
Information currently unavailable
No research has been published on Prantiya Rural yet. Sector notes that mention it will appear here when they are.
Documents
Public documents open directly. Private documents are released to verified clients on request.
| Document | Type | FY / date | Source | Access |
|---|---|---|---|---|
| Annual Report FY20264.2 MB | Annual report | FY2026 | Company | Download |
| Annual Report FY20253.8 MB | Annual report | FY2025 | Company | Download |
| Audited financial statements — three-year summary620 KB | Financials | FY2024–FY2026 | Statutory filings | Download |
| Investor presentation9.1 MB | Presentation | 2026-07-15 | Company | On request |
Scroll the table sideways to see all columns
Risk assessment
Our own reading of the disclosed information. Treat the levels as judgement, not as fact.
Credit stress
HighTwo states drove a sharp rise in provisions in FY2026.
Political risk
HighLoan-waiver announcements disrupt collections in this segment.
Concentration
MediumFour states account for the entire book.
Risks common to every unlisted holding. You may not find a buyer when you want one, at any price. A listing may be delayed indefinitely or may never happen, and shares can list below the price at which they changed hands in the unlisted market. Disclosure by unlisted companies is thinner than by listed ones, and the indicative price is based on infrequent dealer quotes rather than continuous trading.