Jayabharat Credit Ltd

JAYBHCR

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Market Cap

₹ 11 Cr

P/E

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

STABLE

Profitability

MODERATE MARGIN

Technicals

Bearish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Jayabharat Credit Ltd, originally an insurance company, transformed into a Non-Banking Finance Company (NBFC) specializing in hire-purchase schemes and leasing after insurance nationalization.

Despite origins in insurance, the company shifted focus towards financing and investments, becoming a NBFC, before ceasing NBFC activities in 2020.

Historically, Jayabharat Credit paid consecutive dividends for 34 years, demonstrating a commitment to shareholder returns during its operational years as a NBFC.

Registered with SEBI as a Category I Merchant Banker in 1995-96, it highlights the strategic pivot towards capital markets and financial services.

Sector

Finance

Industry

Finance - Small

Market Cap

11 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

20.4

PEG Ratio

—

P/B Ratio

—

52W High

33.07

52W Low

9.49

Sales CAGR

400.00%

—

10Y

—

Profit CAGR

4.72%

—

10Y

—

ROE

TTM

1.77%

1.99%

1.78%

10Y

19.41%

ROCE

TTM

222.10%

1.27%

1.67%

10Y

124.21%

Technicals

‌

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
RRSECUR	44.92	14 Cr	345.54	2.86	0.00	0.85	0.45	0.99
JAYBHCR	23.00	11 Cr	—	0.00	0.00	1.77	222.10	-981.82
DCMFINSERV	5.20	11 Cr	—	0.00	0.00	3.34	-9.34	-8.13
VBDESAIFIN	23.50	11 Cr	13.88	0.87	0.00	6.26	8.49	5.99
AVONMERC	—	9 Cr	25.00	1.63	0.00	6.60	7.98	0.89
PASUFIN	18.95	9 Cr	—	0.00	0.00	26.55	2305.88	-117.65
SYTIXSE	17.20	9 Cr	—	1.02	0.00	-0.98	-0.96	-1.02

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	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Expenses	0.31	0.18	0.24	0.43	0.22	0.21	0.24	0.31	0.27	0.24
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Financing Profit	-0.31	-0.18	-0.24	-0.43	-0.22	-0.21	-0.24	-0.31	-0.27	-0.24
Financing Margin %	—	—	—	—	—	—	—	—	—	—
Other Income	0.00	0.00	0.10	0.01	0.00	0.00	0.00	0.05	0.00	0.00
Depreciation	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	-0.31	-0.18	-0.14	-0.43	-0.22	-0.21	-0.23	-0.26	-0.27	-0.24
Tax %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-30.77	0.00	0.00
Net Profit	-0.31	-0.18	-0.14	-0.43	-0.22	-0.21	-0.23	-0.34	-0.27	-0.24
EPS in Rs	-0.63	-0.36	-0.28	-0.84	-0.45	-0.42	-0.46	-0.68	-0.53	-0.49
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	0.65	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Expenses	1.20	1.31	61	1.15	1.08	0.89	1.16	1.16	0.97	1.03
Interest	1.23	0.46	0.00	0.00	0.00	0.00	0.30	0.00	0.00	0.00
Financing Profit	-1.78	-1.77	-61	-1.15	-1.08	-0.89	-1.46	-1.16	-0.97	-1.03
Financing Margin %	-273.88	—	—	—	—	—	—	—	—	—
Other Income	0.00	0.21	0.06	0.00	0.31	0.03	0.87	0.10	0.06	NaN
Depreciation	0.02	0.01	0.01	0.01	0.01	0.01	0.00	0.01	0.01	0.00
Profit Before Tax	-1.80	-1.57	-61	-1.15	-0.78	-0.87	-0.60	-1.06	-0.92	-0.97
Tax %	—	—	—	—	—	—	-67.45	—	-1,105.02	-8.25
Net Profit	-1.80	-1.57	-61	-1.15	-0.78	-0.87	-1.50	-1.06	-1.01	-1.05
EPS in Rs	-3.61	-3.16	-121.27	-2.30	-1.56	-1.74	-2.99	-2.11	-2.01	-2.16
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	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00
Reserves	4.51	2.72	1.15	-59	-61	-61	-62	-64	-65	-66
Borrowings	49	52	54	0.00	56	57	58	58	59	60
Other Liabilities	2.71	1.18	0.50	56	0.44	0.55	0.32	0.76	0.81	0.56
Total Liabilities	61	60	60	1.09	1.08	1.06	1.04	0.05	0.05	0.17
Fixed Assets	0.33	0.31	0.30	0.29	0.28	0.27	0.27	0.00	0.01	0.01
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	0.02	0.02	0.02	0.00	0.00	0.00	0.00
Other Assets	61	60	60	0.77	0.78	0.77	0.77	0.05	0.03	0.16
Total Assets	61	60	60	1.09	1.08	1.06	1.04	0.05	0.05	0.17

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	-0.67	-0.30	-1.29	-1.47	-1.06	-0.66	-1.07	-0.67	-1.00	-1.33
Cash from Investing Activity	0.34	0.00	0.00	-0.01	-0.00	-0.00	0.00	0.91	-0.02	0.00
Cash from Financing Activity	0.41	0.41	1.42	1.45	1.06	0.65	1.08	-0.23	1.00	1.38
Net Cash Flow	0.07	0.11	0.14	-0.03	-0.00	-0.01	0.01	0.01	-0.02	0.04

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	0.09%	0.09%	0.09%	0.09%	0.09%	15.22%	15.22%	15.22%	15.22%	15.22%	15.22%	15.22%
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	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%
Public	99.89%	99.89%	99.89%	99.89%	99.89%	84.76%	84.76%	84.76%	84.76%	84.76%	84.76%	84.76%
Total Shareholders	2,448	2,453	2,446	2,448	2,539	2,576	2,653	2,670	2,655	2,657	2,704	2,678

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Nov 28, 2025	Mahendra girdharilal wadhwani	Bulk	Sell	24.71	0.07 Cr	28,445	0.5689
Nov 21, 2025	Shipra bathla	Bulk	Buy	21.86	0.07 Cr	30,100	0.602
Nov 18, 2025	Shipra bathla	Bulk	Buy	23.07	0.14 Cr	60,000	1.2
Nov 18, 2025	Sudhanshu kanda	Bulk	Sell	23.07	0.09 Cr	40,000	0.8
Nov 18, 2025	Farhangmeherwanvakshoor	Bulk	Sell	23.07	0.06 Cr	27,001	0.54002
Nov 18, 2025	Sudhanshu kanda	Bulk	Buy	23.08	0.06 Cr	27,000	0.54
Oct 27, 2025	Ruchira goyal	Bulk	Buy	32.41	0.10 Cr	30,000	0.6
Sep 25, 2025	Ruchira goyal	Bulk	Buy	18.08	0.06 Cr	34,577	0.69154
Sep 25, 2025	Farhangmeherwanvakshoor	Bulk	Sell	18.08	0.05 Cr	30,000	0.6
Sep 10, 2025	Pranav kumarpal parekh	Bulk	Sell	10.66	0.08 Cr	70,910	1.4182

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

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Documents

Presentations

Concalls

Reports

Presentations

No documents found!

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Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

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	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Expenses	0.31	0.18	0.24	0.43	0.22	0.21	0.24	0.31	0.27	0.24
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Financing Profit	-0.31	-0.18	-0.24	-0.43	-0.22	-0.21	-0.24	-0.31	-0.27	-0.24
Financing Margin %	—	—	—	—	—	—	—	—	—	—
Other Income	0.00	0.00	0.10	0.01	0.00	0.00	0.00	0.05	0.00	0.00
Depreciation	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	-0.31	-0.18	-0.14	-0.43	-0.22	-0.21	-0.23	-0.26	-0.27	-0.24
Tax %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-30.77	0.00	0.00
Net Profit	-0.31	-0.18	-0.14	-0.43	-0.22	-0.21	-0.23	-0.34	-0.27	-0.24
EPS in Rs	-0.63	-0.36	-0.28	-0.84	-0.45	-0.42	-0.46	-0.68	-0.53	-0.49
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	0.65	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Expenses	1.20	1.31	61	1.15	1.08	0.89	1.16	1.16	0.97	1.03
Interest	1.23	0.46	0.00	0.00	0.00	0.00	0.30	0.00	0.00	0.00
Financing Profit	-1.78	-1.77	-61	-1.15	-1.08	-0.89	-1.46	-1.16	-0.97	-1.03
Financing Margin %	-273.88	—	—	—	—	—	—	—	—	—
Other Income	0.00	0.21	0.06	0.00	0.31	0.03	0.87	0.10	0.06	NaN
Depreciation	0.02	0.01	0.01	0.01	0.01	0.01	0.00	0.01	0.01	0.00
Profit Before Tax	-1.80	-1.57	-61	-1.15	-0.78	-0.87	-0.60	-1.06	-0.92	-0.97
Tax %	—	—	—	—	—	—	-67.45	—	-1,105.02	-8.25
Net Profit	-1.80	-1.57	-61	-1.15	-0.78	-0.87	-1.50	-1.06	-1.01	-1.05
EPS in Rs	-3.61	-3.16	-121.27	-2.30	-1.56	-1.74	-2.99	-2.11	-2.01	-2.16
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	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00
Reserves	4.51	2.72	1.15	-59	-61	-61	-62	-64	-65	-66
Borrowings	49	52	54	0.00	56	57	58	58	59	60
Other Liabilities	2.71	1.18	0.50	56	0.44	0.55	0.32	0.76	0.81	0.56
Total Liabilities	61	60	60	1.09	1.08	1.06	1.04	0.05	0.05	0.17
Fixed Assets	0.33	0.31	0.30	0.29	0.28	0.27	0.27	0.00	0.01	0.01
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	0.02	0.02	0.02	0.00	0.00	0.00	0.00
Other Assets	61	60	60	0.77	0.78	0.77	0.77	0.05	0.03	0.16
Total Assets	61	60	60	1.09	1.08	1.06	1.04	0.05	0.05	0.17

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	-0.67	-0.30	-1.29	-1.47	-1.06	-0.66	-1.07	-0.67	-1.00	-1.33
Cash from Investing Activity	0.34	0.00	0.00	-0.01	-0.00	-0.00	0.00	0.91	-0.02	0.00
Cash from Financing Activity	0.41	0.41	1.42	1.45	1.06	0.65	1.08	-0.23	1.00	1.38
Net Cash Flow	0.07	0.11	0.14	-0.03	-0.00	-0.01	0.01	0.01	-0.02	0.04

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Overview

Detailed Summary

Jayabharat Credit Ltd, originally an insurance company, transformed into a Non-Banking Finance Company (NBFC) specializing in hire-purchase schemes and leasing after insurance nationalization.

Despite origins in insurance, the company shifted focus towards financing and investments, becoming a NBFC, before ceasing NBFC activities in 2020.

Historically, Jayabharat Credit paid consecutive dividends for 34 years, demonstrating a commitment to shareholder returns during its operational years as a NBFC.

Registered with SEBI as a Category I Merchant Banker in 1995-96, it highlights the strategic pivot towards capital markets and financial services.

Sector

Finance

Industry

Finance - Small

Market Cap

11 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

20.4

PEG Ratio

—

P/B Ratio

—

52W High

33.07

52W Low

9.49

Sales CAGR

400.00%

—

10Y

—

Profit CAGR

4.72%

—

10Y

—

ROE

TTM

1.77%

1.99%

1.78%

10Y

19.41%

ROCE

TTM

222.10%

1.27%

1.67%

10Y

124.21%

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
RRSECUR	44.92	14 Cr	345.54	2.86	0.00	0.85	0.45	0.99
JAYBHCR	23.00	11 Cr	—	0.00	0.00	1.77	222.10	-981.82
DCMFINSERV	5.20	11 Cr	—	0.00	0.00	3.34	-9.34	-8.13
VBDESAIFIN	23.50	11 Cr	13.88	0.87	0.00	6.26	8.49	5.99
AVONMERC	—	9 Cr	25.00	1.63	0.00	6.60	7.98	0.89
PASUFIN	18.95	9 Cr	—	0.00	0.00	26.55	2305.88	-117.65
SYTIXSE	17.20	9 Cr	—	1.02	0.00	-0.98	-0.96	-1.02