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: Non Banking Financial Company (NBFC)
Market Cap: 11 Cr
Volatility: Low Risk
P/E Ratio: -7.4
Industry P/E: 19.6
PEG Ratio: —
P/B Ratio: —
52W High: 33.07
52W Low: 9.49

Sales CAGR

1Y: 400.00%
3Y: —
5Y: —
10Y: —

Profit CAGR

1Y: 4.72%
3Y: —
5Y: —
10Y: —

ROE

TTM: 1.77%
3Y: 1.99%
5Y: 1.78%
10Y: 19.41%

ROCE

TTM: 222.10%
3Y: 1.27%
5Y: 1.67%
10Y: 124.21%

Technicals

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Forecasts

Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
CITIPOR		38.83	11 Cr	431.44	3.35	0.00	5.12	6.25	4.44
GKCONS		11.14	11 Cr	14.66	0.66	0.00	3.18	3.24	3.18
KUMPFIN		21.45	11 Cr	7.55	1.97	0.00	26.52	16.11	5.76
RAJPUTANA		32.12	11 Cr	8993.60	2.61	0.00	5.40	7.30	2.76
JAYBHCR		16.75	11 Cr	-7.44	0.00	0.00	1.77	222.10	-1027.27
ANJANIFIN		10.51	11 Cr	16.42	0.72	0.00	4.46	6.24	3.19
OCTAL		21.89	10 Cr	-20.08	0.42	0.00	-3.08	-2.87	-2.05
Median: 7 Co.	—	21.45	11 Cr	14.66	0.72	0.00	4.46	6.25	3.18

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Expenses	0.18	0.24	0.43	0.22	0.21	0.24	0.31	0.27	0.24	0.28
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Financing Profit	-0.18	-0.24	-0.43	-0.22	-0.21	-0.24	-0.31	-0.27	-0.24	-0.28
Financing Margin %	—	—	—	—	—	—	—	—	—	—
Other Income	0.00	0.10	0.01	0.00	0.00	0.00	0.05	0.00	0.00	0.00
Depreciation	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	-0.18	-0.14	-0.43	-0.22	-0.21	-0.23	-0.26	-0.27	-0.24	-0.28
Tax %	0.00	0.00	0.00	0.00	0.00	0.00	-30.77	0.00	0.00	0.00
Net Profit	-0.18	-0.14	-0.43	-0.22	-0.21	-0.23	-0.34	-0.27	-0.24	-0.28
EPS in Rs	-0.36	-0.28	-0.84	-0.45	-0.42	-0.46	-0.68	-0.53	-0.49	-0.55
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	-2.25
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

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	0.09%	0.09%	0.09%	15.22%	15.22%	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%	84.76%	84.76%	84.76%	84.76%	84.76%	84.76%	84.76%	84.76%	84.76%
Total Shareholders	2,446	2,448	2,539	2,576	2,653	2,670	2,655	2,657	2,704	2,678	2,717	2,698

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Frequently Asked Questions about Jayabharat Credit Ltd

Jayabharat Credit Ltd (JAYBHCR) is currently trading at N/A per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

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.

Over the past 52 weeks, Jayabharat Credit Ltd has traded between a low of ₹9.49 and a high of ₹33.07. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Jayabharat Credit Ltd has a market capitalization of approximately 10.64. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Jayabharat Credit Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of -7.44 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 10.64 Cr, Jayabharat Credit Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Jayabharat Credit Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Jayabharat Credit Ltd is -7.44. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

Jayabharat Credit Ltd

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

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Shareholding History

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Frequently Asked Questions about Jayabharat Credit Ltd

What is Jayabharat Credit Ltd share price today?

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What is the 52-week high and low of Jayabharat Credit Ltd?

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Frequently Asked Questions about Jayabharat Credit Ltd

What is Jayabharat Credit Ltd share price today?

What does Jayabharat Credit Ltd do?

What is the 52-week high and low of Jayabharat Credit Ltd?

What is the market capitalization of Jayabharat Credit Ltd?

Should I consider investing in Jayabharat Credit Ltd stock?

Is Jayabharat Credit Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does Jayabharat Credit Ltd belong to and why does it matter?

What is the PE ratio of Jayabharat Credit Ltd?

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