Real Touch Finance Limited Announces Strategic Loan Portfolio Assignment Worth ₹13.03 Crore

Real Touch Finance Limited (BSE: 538611), a Non-Banking Financial Company (NBFC), has announced a strategic realignment of its operations through the transfer and assignment of a specific loan portfolio totaling ₹13,02,64,843.63.

The decision, approved by the Board of Directors today, involves offloading identified loan accounts from select branches to optimize the company's capital structure and operational efficiency.

Details of the Portfolio Transfer

The transaction is structured into two distinct pools with separate effective dates:

Pool 1: Valued at ₹12,73,59,172.40, effective immediately from April 20, 2026.

Pool 2: Valued at ₹29,05,671.23, set to be effective from June 1, 2026.

The portfolio comprises loan accounts from various business segments. This move is part of a broader "strategic realignment initiative" aimed at cleaning up the balance sheet and focusing on core growth areas.

The assignment of loan portfolios (often referred to as Direct Assignment or Securitization) is a common practice among NBFCs to manage liquidity.

Key Benefits for Real Touch Finance:

Liquidity Boost: The transaction provides immediate cash inflow, which can be redeployed into higher-yielding assets or used to reduce debt.

Capital Optimization: By removing these loans from its books, the company can optimize its Capital Adequacy Ratio (CAR) and improve its leverage position.

Operational Focus: Allows the management to exit non-core or specific geographic branch segments that do not align with their long-term strategy.

Shares of Real Touch Finance Ltd was last trading in BSE at Rs. 54.34 as compared to the previous close of Rs. 57.19. The total number of shares traded during the day was 206 in over 4 trades.

The stock hit an intraday high of Rs. 55.00 and intraday low of 54.34. The net turnover during the day was Rs. 11197.00.

Source : Equity Bulls

Keywords

RealTouchFinance INE840I01014 NBFC Realignment LoanPortfolio