EFC (I) Management
Management criteria checks 3/4
EFC (I)'s CEO is Umesh Sahay, appointed in Jul 2022, has a tenure of 3.83 years. total yearly compensation is ₹9.00M, comprised of 100% salary and 0% bonuses, including company stock and options. directly owns 38.74% of the company’s shares, worth ₹9.82B. The average tenure of the management team and the board of directors is 3.8 years and 4 years respectively.
Key information
Umesh Sahay
Chief executive officer
₹9.0m
Total compensation
| CEO salary percentage | 100.00% |
| CEO tenure | 3.8yrs |
| CEO ownership | 38.7% |
| Management average tenure | 3.8yrs |
| Board average tenure | 4yrs |
Recent management updates
Recent updates
512008: Upcoming Rights Issue And Board Actions Will Support Upside Potential
Analysts have kept their fair value estimate for EFC (I) steady at ₹375, citing only minor tweaks to the discount rate, revenue growth, profit margin and future P/E assumptions rather than any major shift in the fundamental outlook. What's in the News Board meeting scheduled for May 1, 2026 at 11:00 IST to consider and approve a rights issue of fully paid-up equity shares (company filing).512008: Upcoming Equity Offering And Board Decisions Will Support Upside Potential
Narrative Update on EFC (I) The analyst price target for EFC (I) remains at ₹375, with analysts keeping their fair value view broadly unchanged, as small adjustments to the discount rate and the assumed future P/E leave the overall valuation framework intact. What's in the News EFC (I) Limited has filed a follow on equity offering of ₹1.6b in equity shares, described as common stock, under Regulation S as a rights offering (Key Developments).512008: Upcoming Fundraising Plans And Results Review Will Support Upside Potential
Analysts have kept the EFC (I) price target unchanged at ₹375, citing only modest tweaks to inputs such as the discount rate and forward P/E assumptions, rather than any shift in the core earnings or growth outlook. What's in the News EFC (I) has scheduled a board meeting on Apr 03, 2026 to consider raising funds via issuance of equity shares or other eligible securities through permissible modes, including a private placement, along with other matters on the agenda (company filing).512008: Upcoming Results Review Will Highlight Upside From Steady Fair Value
Analysts have maintained the fair value for EFC (I) at ₹375, using a slightly lower discount rate and a marginally reduced future P/E assumption. This reflects fine-tuned expectations for the stock rather than a major shift in conviction.512008: Upcoming Results Review Will Support Upside From Stable Fair Value
Analysts have maintained their fair value estimate for EFC (I) at ₹375.0, with only slight adjustments to the discount rate, revenue growth, profit margin, and future P/E assumptions. This indicates that their overall view of the stock's risk and earnings profile remains broadly unchanged.512008: Merger Share Allotment And Retail Leasing Entry Will Drive Upside
Analysts have kept the fair value for EFC (I) steady at ₹375, while adjusting their assumptions slightly toward a lower discount rate, modestly softer revenue growth, a marginally higher profit margin, and a higher future P/E multiple to reflect a more balanced risk return view. What's in the News Board meeting scheduled on Feb 14, 2026 to consider and approve the unaudited standalone and consolidated financial results for the quarter ended Dec 31, 2025 (company filing).512008: Retail Leasing Entry Will Drive Upside Following Merger Share Allotment
Analysts have kept their fair value estimate for EFC (I) unchanged at €375.00, while slightly adjusting underlying inputs such as the discount rate, revenue growth, profit margin and forward P/E. This reflects fine tuning of their assumptions rather than a shift in their overall view.512008: Retail Leasing Expansion And Share Allotment Will Unlock Upside By 2026
Analysts have nudged their price target on EFC (I) slightly higher to reflect a small adjustment in the assumed future P/E multiple, while keeping fair value and key growth and margin assumptions essentially unchanged. What's in the News A board meeting is scheduled for November 28, 2025 to approve the issue and allotment of 37,730,000 fully paid-up equity shares of INR 2 each to eligible shareholders of Whitehills Interior Limited under an NCLT approved Scheme of Amalgamation, Merger by Absorption, Mumbai Bench order dated November 12, 2025 (Key Developments).512008: Retail Leasing Expansion Will Drive Significant Upside By 2026
Analysts kept their price target for EFC (I) broadly unchanged at US$375, reflecting only minor adjustments to inputs such as discount rate, revenue growth assumptions, profit margin and forward P/E that did not materially alter their overall valuation view. What's in the News Board meeting scheduled for November 28, 2025 to approve the issue and allotment of 37,730,000 fully paid-up equity shares of INR 2 each to eligible shareholders of Whitehills Interior Limited under an NCLT approved Scheme of Amalgamation, Merger by Absorption (Key Developments).512008: Retail Expansion And Merger Integration Will Drive Significant Upside By 2026
Analysts have raised their price target for EFC (I) to approximately $375 per share from about $188 previously, citing a lower perceived discount rate, resilient long term revenue growth and margin assumptions, and a higher justified future P E multiple. What's in the News Board meeting on November 28, 2025 to approve issuance and allotment of 37,730,000 fully paid equity shares of INR 2 each to shareholders of Whitehills Interior Limited as part of a court approved merger by absorption scheme (Board Meeting, NCLT order).512008: Retail Expansion And Completed Merger Will Drive Major Upside By 2026
EFC's analyst price target remains steady at $375.00, as analysts see minimal shifts in revenue growth and profit margin projections. This supports their maintained valuation.512008: Expansion Into Retail Leasing Will Drive Substantial Upside By 2026
Analysts have revised their fair value estimate for EFC downward from $465 to $375. This change is based on updated projections for growth, discount rates, and company margins.
Emberstone SM REIT IPO And Vertical Expansions Will Increase Asset-Light Revenue Streams
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Diversification with Emberstone SM REIT and focus on asset-light revenue streams promise better net margins and enhanced earnings.CEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Dec 31 2025 | n/a | n/a | ₹2b |
| Sep 30 2025 | n/a | n/a | ₹1b |
| Jun 30 2025 | n/a | n/a | ₹1b |
| Mar 31 2025 | ₹9m | ₹9m | ₹1b |
| Dec 31 2024 | n/a | n/a | ₹1b |
| Sep 30 2024 | n/a | n/a | ₹885m |
| Jun 30 2024 | n/a | n/a | ₹699m |
| Mar 31 2024 | ₹2m | ₹2m | ₹580m |
Compensation vs Market: Umesh's total compensation ($USD94.50K) is below average for companies of similar size in the Indian market ($USD178.09K).
Compensation vs Earnings: Umesh's compensation has increased by more than 20% in the past year.
CEO
Umesh Sahay (42 yo)
Mr. Umesh Kumar Sahay is Chairperson of Capfin India Limited from May 11, 2026. Mr. Sahay is Additional Executive Director of Capfin India Limited from October 9, 2024. Mr. Sahay is Non-Executive Non-Indep...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman & MD | 3.8yrs | ₹9.00m | 38.74% ₹ 9.8b | |
| Whole-Time Director | 3.7yrs | ₹3.60m | no data | |
| CFO & Director | 4yrs | ₹1.50m | no data | |
| Company Secretary & Compliance Officer | 3.6yrs | ₹1.22m | no data |
Experienced Management: 512008's management team is considered experienced (3.8 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman & MD | 4yrs | ₹9.00m | 38.74% ₹ 9.8b | |
| Whole-Time Director | 4yrs | ₹3.60m | no data | |
| CFO & Director | no data | ₹1.50m | no data | |
| Non-Executive Independent Director | 3.8yrs | ₹560.00k | 0.40% ₹ 101.5m | |
| Non-Executive & Non-Independent Director | 4yrs | ₹4.50m | 20.53% ₹ 5.2b | |
| Independent Director | 3yrs | ₹610.00k | 0.037% ₹ 9.5m | |
| Non-Executive Independent Director | 4yrs | ₹620.00k | no data |
Experienced Board: 512008's board of directors are considered experienced (4 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/25 19:49 |
| End of Day Share Price | 2026/05/25 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
EFC (I) Limited is covered by 3 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Yogesh Soni | Choice Equity Broking Private Limited |
| Prashanth Kumar Kota | Choice Equity Broking Private Limited |
| Fenil Brahmbhatt | Choice Equity Broking Private Limited |