Karnavati Finance Ltd Stock Price Today (NSE: KARNAVATI)
Fundamental Score
Karnavati Finance Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Karnavati Finance Ltd share price today is ₹1.35, up +2.27% on NSE/BSE as of 3 August 2026. Karnavati Finance Ltd (KARNAVATI) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹13.47 (Cr). The 52-week high for KARNAVATI share price is ₹2.24 and the 52-week low is ₹1.08. The company has a Return on Equity (ROE) of -81.04% and a debt-to-equity ratio of 13.83.
Karnavati Finance Ltd Share Price Chart — NSE/BSE Historical Performance
Karnavati Finance Ltd share price chart: -4.26% return over the past month. 52-week high ₹2.24, 52-week low ₹1.08.
Karnavati Finance Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹1.33 | ₹1.39 | ₹1.33 | ₹1.35 | 7.50K (Cr) | |
| ₹1.36 | ₹1.40 | ₹1.32 | ₹1.32 | 7.01K (Cr) | |
| ₹1.25 | ₹1.37 | ₹1.25 | ₹1.35 | 24.36K (Cr) | |
| ₹1.30 | ₹1.51 | ₹1.30 | ₹1.35 | 27.86K (Cr) | |
| ₹1.32 | ₹1.35 | ₹1.32 | ₹1.32 | 5.98K (Cr) | |
| ₹1.35 | ₹1.40 | ₹1.32 | ₹1.35 | 9.29K (Cr) | |
| ₹1.34 | ₹1.44 | ₹1.32 | ₹1.38 | 6.19K (Cr) | |
| ₹1.40 | ₹1.45 | ₹1.25 | ₹1.36 | 11.18K (Cr) | |
| ₹1.45 | ₹1.48 | ₹1.35 | ₹1.45 | 20.25K (Cr) | |
| ₹1.43 | ₹1.46 | ₹1.37 | ₹1.42 | 4.79K (Cr) |
Karnavati Finance Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹1.41 | ₹1.51 | ₹1.25 | ₹1.35 | -4.26% | |
| ₹1.37 | ₹1.55 | ₹1.11 | ₹1.48 | +8.03% | |
| ₹1.45 | ₹1.50 | ₹1.25 | ₹1.38 | -4.83% | |
| ₹1.13 | ₹1.60 | ₹1.12 | ₹1.42 | +25.66% | |
| ₹1.17 | ₹1.42 | ₹1.08 | ₹1.11 | -5.13% | |
| ₹1.37 | ₹1.50 | ₹1.22 | ₹1.23 | -10.22% | |
| ₹1.78 | ₹1.78 | ₹1.33 | ₹1.39 | -21.91% | |
| ₹1.48 | ₹1.80 | ₹1.32 | ₹1.63 | +10.14% | |
| ₹1.62 | ₹1.70 | ₹1.23 | ₹1.46 | -9.88% | |
| ₹1.75 | ₹1.98 | ₹1.42 | ₹1.65 | -5.71% | |
| ₹1.36 | ₹2.24 | ₹1.34 | ₹1.72 | +26.47% | |
| ₹2.01 | ₹2.10 | ₹1.40 | ₹1.40 | -30.35% |
AI Research Briefing
Powered by Gemini · 2026-04-09
Karnavati Finance is a micro-cap value trap with brutal financials and liquidity risk.
WHAT'S HAPPENING NOW (last 2-4 weeks)
No major catalysts found after live search. The stock is Recent news includes board meeting outcomes, financial results for the quarter ended December 31, 2025, and a proposed acquisition plan by the promoter group.
CORE STORY (THE REAL GAME)
Penny stock lottery ticket. Retail investors chasing micro-cap NBFC turnaround dreams, ignoring brutal fundamentals.
- Hopes of turnaround
- Low price attracts retail
- Promoter acquisition plan
- Successful turnaround
- Promoter buying increases
- Positive regulatory changes for NBFCs
- Micro/SME cap liquidity risk
- High debt and poor interest coverage
- Negative ROE and ROCE
No FII/DII interest. Promoter holding stable at 58.64%.
RBI's new NBFC categorization framework could bring increased regulatory scrutiny.
No. Free Cash Flow 5Y: ₹3.21 Cr.
3-6 month thesis: Expect price correction as earnings beat proves unsustainable. Avoid until fundamentals improve significantly.
Primary Thesis Risk
Inability to service debt will lead to collapse.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Karnavati Finance Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Karnavati Finance Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of KARNAVATI across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Strong Revenue Growth (900.00%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (34.20% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Balanced Promoter Holding (62.06%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
8 factors identified
Below-Average Return on Equity (-81.04%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (-4.37%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Margin Pressure Concerns (-6.00%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges.
Profit Decline Concern (-557.95%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Elevated Debt Levels (D/E: 13.83)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (-0.48x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-47.34 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Karnavati Finance Ltd vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare Karnavati Finance Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Karnavati Finance LtdKarnavati Finan...Selected✓ KARNAVATI • 538928 | 22/100 | ₹1.35₹1 | ₹13.47₹13.47 | — — | -81.04%Poor -81.04% Poor | -4.37%Poor -4.37% Poor | 13.83Poor 13.8 Poor | — — | 34.20%Excellent 34.20% Excellent | 0.00% |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 62.4/100 | ₹1141.20₹1141 | ₹635919.89₹635919.89 | 33.08Average 33.1 Average | 18.25%Good 18.25% Good | 10.87%Average 10.87% Average | 3.82Poor 3.8 Poor | 34.15%Excellent 34.15% Excellent | 25.18%Excellent 25.18% Excellent | 0.53% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.8/100 | ₹1046.70₹1047 | ₹243379.83₹243379.83 | 24.27Average 24.3 Average | 16.39%Good 16.39% Good | 11.49%Average 11.49% Average | 3.80Poor 3.8 Poor | 32.03%Excellent 32.03% Excellent | 22.54%Excellent 22.54% Excellent | 1.04% |
65.8/100 | ₹1849.90₹1850 | ₹153802.44₹153802.44 | 29.36Average 29.4 Average | 19.35%Good 19.35% Good | 9.71%Poor 9.71% Poor | 6.93Poor 6.9 Poor | 28.05%Excellent 28.05% Excellent | 26.56%Excellent 26.56% Excellent | 0.11% | |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 73.9/100 | ₹3119.60₹3120 | ₹121113.00₹121113.00 | 11.44Average 11.4 Average | 30.92%Excellent 30.92% Excellent | 15.77%Good 15.77% Good | 3.88Poor 3.9 Poor | 22.71%Excellent 22.71% Excellent | 22.03%Excellent 22.03% Excellent | 0.99% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 55.2/100 | ₹311.25₹311 | ₹78301.66₹78301.66 | 24.45Average 24.4 Average | 11.22%Average 11.22% Average | 8.40%Poor 8.40% Poor | 3.94Poor 3.9 Poor | 32.35%Excellent 32.35% Excellent | 6.05%Good 6.05% Good | 0.88% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 54.3/100 | ₹686.35₹686 | ₹62415.22₹62415.22 | 22.61Average 22.6 Average | 13.94%Average 13.94% Average | 9.09%Poor 9.09% Poor | 4.80Poor 4.8 Poor | 45.37%Excellent 45.37% Excellent | 10.99%Good 10.99% Good | 0.53% |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 43.9/100 | ₹660.15₹660 | ₹60979.59₹60979.59 | 28.14Average 28.1 Average | 14.69%Average 14.69% Average | 10.10%Average 10.10% Average | 2.80Poor 2.8 Poor | 17.08%Excellent 17.08% Excellent | 16.43%Excellent 16.43% Excellent | 0.39% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 29.5/100 | ₹4665.60₹4666 | ₹50074.63₹50074.63 | 23.75Average 23.8 Average | 15.01%Good 15.01% Good | 9.44%Poor 9.44% Poor | 4.68Poor 4.7 Poor | 12.69%Good 12.69% Good | 13.23%Good 13.23% Good | 0.89% |
23.9/100 | ₹539.30₹539 | ₹42560.25₹42560.25 | 22.04Average 22.0 Average | 13.13%Average 13.13% Average | 13.67%Average 13.67% Average | 0.23Excellent 0.2 Excellent | — — | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 54.9/100 | ₹463.55₹464 | ₹41881.04₹41881.04 | 77.14Average 77.1 Average | 5.86%Poor 5.86% Poor | 7.51%Poor 7.51% Poor | 4.68Poor 4.7 Poor | 24.33%Excellent 24.33% Excellent | 23.97%Excellent 23.97% Excellent | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635919.89 Cr
- Shriram Finance Ltd share price243379.83 Cr
- Cholamandalam Investment and Finance Company Limited share price153802.44 Cr
- Muthoot Finance Ltd share price121113.00 Cr
- L&T Finance Ltd share price78301.66 Cr
Karnavati Finance Ltd Quarterly Performance
Latest quarterly metrics for KARNAVATI — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
900.00%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
-557.95%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
34.20%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
N/A
Compounded annual net profit growth over 5 years
Karnavati Finance Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for KARNAVATI — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Karnavati Finance Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Karnavati Finance Ltd (KARNAVATI) — sourced from NSE/BSE filings.
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About KARNAVATI (Karnavati Finance Ltd)
Karnavati Finance Ltd is a Non-Banking Financial Company (NBFC) committed to serving diverse financial needs across India. Established with a vision to empower individuals and busi...nesses, Karnavati Finance operates as a crucial link in the financial ecosystem, providing a range of loan products tailored to specific requirements. From personal loans designed to meet immediate needs to business loans fueling growth and expansion, and auto loans enabling convenient transportation, Karnavati Finance strives to offer accessible and efficient financial solutions. The company also specializes in education loans, ensuring that aspiring students have the resources to pursue their academic dreams, and mortgage loans that make homeownership a tangible reality. Understanding the varied needs of its clientele, Karnavati Finance offers both secured and unsecured term loans, providing flexibility in borrowing options. The company also extends loans against property, unlocking the value of existing assets for productive purposes. By focusing on individualized service and developing a strong understanding of the local markets, Karnavati Finance has built a reputation for reliability and trustworthiness. These efforts have enabled the firm to cultivate long-term relationships with its customers. Karnavati Finance believes in going beyond traditional lending, aiming to be a partner in its customers' financial journeys, helping them achieve their goals with financial stability and well-being. With a commitment to transparency and ethical practices, Karnavati Finance Ltd. operates within the regulatory framework of the NBFC sector, ensuring compliance and safeguarding the interests of its stakeholders. The company constantly strives to innovate and adapt to the changing financial landscape, enhancing its services and expanding its reach. By embracing technology and adopting best practices, Karnavati Finance seeks to improve efficiency and enhance customer experience. Its core values of integrity, customer focus, and social responsibility guide its operations, making Karnavati Finance a trusted and reliable partner for those seeking financial empowerment in India.
Company Details
Key Leadership
Latest News
KARNAVATI Share Price: Frequently Asked Questions
What is the current share price of Karnavati Finance Ltd?
Karnavati Finance Ltd (KARNAVATI) trades at ₹1.35 on NSE and BSE. Market cap ₹13.47 (Cr). Educational data only.
What is the P/E ratio of Karnavati Finance Ltd?
Karnavati Finance Ltd has a P/E of N/Ax vs industry average 22.18x.
What is the Bull Run score for Karnavati Finance Ltd?
Karnavati Finance Ltd has a Bull Run score of 22/100 based on 25+ financial parameters.
Does Karnavati Finance Ltd pay dividends?
Karnavati Finance Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Karnavati Finance Ltd?
Karnavati Finance Ltd has ROE of -81.04%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Karnavati Finance Ltd?
Karnavati Finance Ltd has debt-to-equity of 13.83.
Is Karnavati Finance Ltd a good investment?
Bull Run gives Karnavati Finance Ltd a score of 22/100. This is not investment advice — consult a SEBI-registered advisor.