Vishvprabha Ventures: ₹5.52 cr BOM facility (2023)

Stock snapshot and trading status

Vishvprabha Ventures is tracked on BSE under code 512064 with ISIN INE762D01011. One market screen shows the stock at ₹50.00 at Jan 20, 16:00, with 0.00% change and volume of 1,490 shares. The same snapshot lists an open price of ₹59.85, a bid of ₹51.55 (300), and an offer of ₹59.30 (200).

Separately, the feed notes that Vishvprabha Ventures RE is not traded on BSE in the last 30 days and that it is not listed on NSE. The data also shows another price point of ₹66.47 as on Oct 14, 2025 (12:00 AM). A separate daily update says that as of 30-Jun, the stock was ₹67.05, up ₹0.05 (0.07%), while also stating it underperformed its sector by 2.32% for the day and delivered -10.54% over the past month.

Company identity and sector labels

The company is described as VISHVPRABHA VENTURES LIMITED, incorporated on 02 Jan 1985, and stated to be 40.9 years old. It is classified as a Public Listed Indian Non-Government Company and registered with RoC-Mumbai. Its CIN is L51900MH1985PLC034965.

Across the provided screens, the sector tagging varies. One section places it under Finance - Investment, while another identifies the BSE industry as Financial Services - Misc. The MCA business description is listed as Wholesale Trade And Commission Trade; Except Of Motor Vehicles And Motorcycles.

Bank of Maharashtra sanction: what is disclosed

A key dated update in the feed states: “Vishvprabha Ventures Gets Sanction Letter From Bank Of Maharashtra Of 55.2 Million Rupees Cash Credit Facility” on May 04, 2023. At ₹55.2 million, this sanction translates to ₹5.52 crore.

In the financial statement extracts, the company also discloses a cash credit facility from Bank of Maharashtra of ₹5.59 crore (listed as ₹559.01 lakh) carrying an interest rate of 14.80% p.a. The security described includes a first hypothecation charge on stocks, receivables, and current assets, along with equitable mortgage of commercial property (of directors and others) and personal guarantees.

Another excerpt references a Bank of Maharashtra cash credit of ₹5.58 crore (listed as ₹557.78 lakh) with an interest rate of 12.30% p.a., with similar security and guarantee language. The feed does not clarify whether these are different periods or facilities, so both disclosures are presented as stated.

Net debt trend: Sep-25 versus Mar-25

The dataset explicitly notes that the company’s net debt is rising. Latest net debt is ₹16.73 crore as of Sep-25, compared with ₹16.18 crore as of Mar-25. That change indicates an increase of ₹0.55 crore over the period, based on the figures provided.

Other borrowing disclosure: hire purchase loans

The notes also mention hire purchase loans of ₹0.0483 crore (₹4.83 lakh) with prior year ₹0.0652 crore (₹6.52 lakh). The hire purchase loan carries an interest rate of 15.25% p.a. and is secured by hypothecation of the financed vehicle. The repayment schedule cited is 60 monthly instalments from September 10, 2022 to August 10, 2027.

Dividend and basic market metrics cited

The feed states the company declared a 5% dividend (₹0.5 per share) with an ex-date of September 23, 2024. A market metrics section also lists beta (1Y) of 0.58.

One valuation snapshot (dated May 30, 2025) describes the stock as “undervalued” and cites a PE ratio of -22.45, EV/EBITDA of 17.16, and a year-to-date return of 19.04% at a price of ₹70.85. Another line notes an “attractive valuation” with ROCE of 4.1 and flags challenges including operating losses and a high debt-to-equity ratio, without providing the operating loss figure or the debt-to-equity number.

Financing to self-help groups: policy-style terms shared

A large part of the provided text outlines financing terms for Self Help Groups (SHGs), covering cash credit and term loans, eligibility based on active existence and “Panchasutras,” and dose-based limits linked to corpus. The document states that, for cash credit, the minimum loan is ₹6 lakh to each eligible SHG for 3 years with annually reviewed drawing power, and that the drawing power increases with corpus multiple and minimum thresholds (₹1.5 lakh in year one, ₹3 lakh in year two, and ₹6 lakh by year three).

The same section states that for SHG loans up to ₹10 lakh, no collateral and no margin will be obtained, and that for loans above ₹10 lakh and up to ₹20 lakh, collateral should not be obtained, while a margin not exceeding 10% may be taken on the portion exceeding ₹10 lakh as per the bank’s policy. Rate of interest terms are also listed, including 7.00% p.a. for eligible DAY-NRLM women SHGs up to ₹3 lakh, and MCLR-linked pricing for higher limits.

Key figures table

Borrowings and liquidity disclosures in notes

Why these disclosures matter for investors

The sanction letter and the cash credit disclosures together indicate the company’s reliance on working-capital style funding lines from a public sector bank. The net debt figures (₹16.18 crore to ₹16.73 crore) add context to leverage trends referenced in the feed. At the same time, the trading notes about limited BSE activity for “Vishvprabha Ventures RE” and the absence of NSE listing are relevant for liquidity assessment.

The SHG financing section reads like product and eligibility terms that can influence credit quality and loan usage, particularly where the text specifies minimum productive-use thresholds for larger loan sizes. The financial statement excerpts also explain risk categories such as credit risk, interest rate risk, and liquidity risk, and outline practices like credit assessment and monitoring of receivables.

Conclusion

The available disclosures around Vishvprabha Ventures point to a Bank of Maharashtra cash credit sanction of ₹5.52 crore (May 2023), ongoing cash credit facilities disclosed in notes, and an increase in net debt to ₹16.73 crore by Sep-25. Investors tracking the stock also have a stated dividend event (ex-date Sep 23, 2024) and multiple price snapshots from different dates, alongside notes indicating limited recent trading for the RE line item and no NSE listing. The next meaningful updates would typically come through fresh exchange filings, updated financial statements, or changes in disclosed borrowing levels and terms.