Capital India Finance (BOM:530879) Moat Score: 0/10 (As of Jul. 27, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:530879 Capital India Finance Ltd BOM:530879
58 GF Score
Price ₹20.05
GF Value ₹23.58
Valuation Modestly Undervalued
! 7 Warning Signs
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What is Capital India Finance Moat Score?

Capital India Finance has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Capital India Finance has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Capital India Finance might have No Moat - No discernible moat.

Capital India Finance  (BOM:530879) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Capital India Finance Moat Score Related Terms

BOM:530879
58GF Score
Capital India Finance Ltd BOM:530879
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Capital India Finance (BOM:530879) Overvalued in 2026?

Based on GuruFocus' analysis, Capital India Finance stock appears to be undervalued. The current stock price of ₹20.05 is trading 15% below its estimated GF Value™ of ₹23.58. GuruFocus considers Capital India Finance to be Modestly Undervalued.

Key valuation signals for BOM:530879:

  • Moat Score: 0
  • GF Value™: ₹23.58 vs. price of ₹20.05 (15% below fair value)
  • GF Score™: 58/100 with 7 warning signs

No single metric tells the full story. See the BOM:530879 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Capital India Finance Business Description

Other Exchanges CIFL:India
Address Dr. Annie Besant Road, Level - 20, Birla Aurora, Worli, Mumbai, MH, IND, 400030
Capital India Finance Ltd is a non-banking financial company. It operates through two segments: lending business and Forex services, including MTSS business. The lending services include providing loans to Micro, Small, and Medium enterprises and other customers across various industries. Revenue from the lending business includes interest income and fee income. Forex services comprise overseas remittances, foreign currency prepaid travel cards, Money Transfer Service Scheme (MTSS), and import and export foreign currency notes.
58GF Score

Get the complete analysis for BOM:530879

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹20.05
Price
₹23.58
GF Value