Indo Credit Capital Ltd

INDOCRED

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Market Cap

₹ 3 Cr

P/E

359.00

Investment Checklist

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Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

STABLE

Profitability

MODERATE MARGIN

Technicals

Neutral

Risk

MODERATE RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

Indo Credit Capital Limited is a Non Banking Financial Company (NBFC) registered with the Reserve Bank of India, primarily involved in various financial activities including merchant banking, project appraisal, and portfolio management.

The company aims to support financing operations for MSMEs, contributing to financial inclusion in India, though it faces regulatory and competitive challenges compared to banks.

With the current economic slowdown and a liquidity crisis, Indo Credit Capital is seeking new business avenues to enhance operations and achieve its objectives.

The company focuses on the unbanked segments of society, aiding entrepreneurship and innovation through its diverse financial services.

Indo Credit Capital is working towards overcoming investment blocking issues and optimizing its strategic plans amidst tough economic conditions.

Sector

Finance

Industry

NBFC-Others

Market Cap

3 Cr

Volatility

Low Risk

P/E Ratio

359.0

Industry P/E

34.5

PEG Ratio

-3.0

P/B Ratio

0.5

52W High

3.59

52W Low

2.46

Sales CAGR

116.67%

57.89%

29.26%

10Y

0.15%

Profit CAGR

—

10Y

—

ROE

TTM

0.08%

-1.56%

-1.49%

10Y

-1.64%

ROCE

TTM

0.05%

-1.19%

-1.26%

10Y

-1.53%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
MICROSE	—	3 Cr	—	1.97	0.00	-74.31	-32.56	-32.28
OSWALEA	58.71	3 Cr	—	1.06	0.00	-1.30	-1.30	-1.07
INDOCRED	3.59	3 Cr	359.00	0.45	0.00	0.08	0.05	-0.00
BRIPORT	8.06	3 Cr	4.38	0.26	0.00	5.96	8.32	1.86
ZHEMHOLD	101.34	2 Cr	—	0.97	0.00	-34.05	-34.03	-9.52
GEETANJ	4.97	2 Cr	—	0.72	0.00	-1.85	-1.82	-1.83

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	0.00	0.00	0.00	0.06	0.00	0.00	0.00	0.12	0.00	0.00
Expenses	0.08	0.03	0.04	0.09	0.07	0.04	0.04	0.03	0.08	0.05
Interest	0.00	0.00	0.00	0.06	0.00	0.00	0.00	0.00	0.00	0.00
Financing Profit	-0.08	-0.03	-0.04	-0.09	-0.07	-0.04	-0.04	0.09	-0.08	-0.05
Financing Margin %	—	—	—	-150.00	—	—	—	75.00	—	—
Other Income	0.00	0.00	0.00	0.19	0.00	0.00	0.00	0.00	0.00	0.09
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	-0.08	-0.03	-0.04	0.10	-0.06	-0.04	-0.04	0.09	-0.08	0.03
Tax %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	-0.08	-0.03	-0.04	0.10	-0.06	-0.04	-0.04	0.09	-0.08	0.03
EPS in Rs	-0.11	-0.04	-0.05	0.13	-0.09	-0.05	-0.05	0.12	—	—
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	0.09	0.02	0.11	0.04	0.05	0.03	0.04	0.06	0.13	0.12
Expenses	0.14	0.15	0.17	0.38	0.14	0.13	0.21	0.23	0.18	0.19
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.06	0.00	0.00
Financing Profit	-0.06	-0.12	-0.07	-0.34	-0.10	-0.09	-0.17	-0.24	-0.05	-0.07
Financing Margin %	-70.13	-503.12	-64.29	-955.71	-211.76	-283.18	-406.38	-387.11	-39.32	-58.33
Other Income	0.00	0.00	0.00	0.00	0.00	0.02	0.00	0.19	0.00	NaN
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	-0.06	-0.12	-0.07	-0.34	-0.10	-0.07	-0.17	-0.05	-0.05	-0.07
Tax %	29,84,955.00	—	—	—	—	—	—	—	—	0.00
Net Profit	-0.06	-0.12	-0.07	-0.34	-0.10	-0.07	-0.17	-0.05	-0.05	-0.07
EPS in Rs	-0.08	-0.17	-0.01	-0.73	-0.15	-0.10	-0.24	-0.07	—	-0.07
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	7.23	7.23	7.23	7.23	7.23	7.23	7.23	7.23	7.23	7.23
Reserves	-0.38	-0.44	-0.56	-0.63	-0.97	-1.07	-1.14	-1.31	-1.36	-1.41
Borrowings	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Liabilities	0.27	0.04	0.04	0.04	0.04	0.03	0.27	2.71	4.00	4.01
Total Liabilities	7.12	6.83	6.71	6.64	6.31	6.20	6.37	8.63	9.87	9.82
Fixed Assets	0.00	0.00	0.00	0.00	0.86	0.86	0.86	0.86	0.86	0.86
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	3.35	3.97	4.38	5.08	6.48	6.09	6.09
Other Assets	7.12	6.83	6.71	3.29	1.48	0.95	0.43	1.30	2.92	2.87
Total Assets	7.12	6.83	6.71	6.64	6.31	6.20	6.37	8.63	9.87	9.82

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	0.09	-0.54	-0.23	-2.20	1.47	0.41	0.47	-0.22	-0.87	0.02
Cash from Investing Activity	-0.11	0.53	0.23	2.21	-1.47	-0.42	-0.70	-1.40	0.39	0.00
Cash from Financing Activity	0.00	0.00	0.00	0.00	0.00	0.00	0.27	1.72	0.39	0.00
Net Cash Flow	-0.02	-0.01	0.01	0.01	-0.00	-0.01	0.04	0.10	-0.09	0.02

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	14.51%	14.51%	14.51%	14.51%	14.51%	14.51%	14.51%	14.51%	14.51%	14.51%	14.51%	14.51%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	85.49%	85.49%	85.49%	85.49%	85.49%	85.49%	85.49%	85.49%	85.49%	85.49%	85.49%	85.49%
Total Shareholders	11,169	11,164	11,162	11,160	11,156	11,151	11,150	11,148	11,149	11,145	11,126	11,125

Projection

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Overall

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Moving Averages

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Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
MICROSE	—	3 Cr	—	1.97	0.00	-74.31	-32.56	-32.28
OSWALEA	58.71	3 Cr	—	1.06	0.00	-1.30	-1.30	-1.07
INDOCRED	3.59	3 Cr	359.00	0.45	0.00	0.08	0.05	-0.00
BRIPORT	8.06	3 Cr	4.38	0.26	0.00	5.96	8.32	1.86
ZHEMHOLD	101.34	2 Cr	—	0.97	0.00	-34.05	-34.03	-9.52
GEETANJ	4.97	2 Cr	—	0.72	0.00	-1.85	-1.82	-1.83