CSL Finance Limited — Credit Ratings, 08-08-2025: Credit Rating

Acuite Ratings & Research has reaffirmed the long-term rating of 'ACUITE A- (Stable)' on CSL Finance's Rs. 600 Cr bank facilities and assigned the same 'ACUITE A- (Stable)' rating to its new Rs. 200 Cr bank facilities. This stable assessment reflects CSL Finance's solid capital levels, healthy profitability, and sustained operational growth. The company's AUM reached Rs. 1,195.19 Cr in FY25, and PAT climbed to Rs. 72.09 Cr. CSL maintains comfortable asset quality with a low GNPA of 0.46%. While its loan portfolio has geographical and wholesale segment concentration, efforts to diversify are ongoing. This consistent rating supports investor confidence and enhances strategic financial maneuverability, potentially helping maintain borrowing costs.