₹27.95
■ +0 +0.00%
17 Jul 2026
BSE Listed
United Credit Ltd. (531091)
Volume: 3Avg Vol 1W: 134Avg Vol 1M: 16952W Range:₹19₹37.83
Key Ratios
Checked just nowMarket Cap₹15 Cr
Current Price₹27.95
Previous Close₹27.95
High / Low (52w)₹37.83 / ₹19
Volume3
Avg Vol (1W)134
Avg Vol (1M)169
Stock P/E17.36
Book Value₹57.6
Dividend Yield0%
ROE277.65%
ROA272.5%
Revenue (TTM)—
Revenue Growth—
Profit Margin27.74%
Total Debt—
Shares Outstanding1 Cr
Face Value—
EPS (TTM)₹1.61
P/B0.49
Debt / Equity0.03
50 DMA₹27.85
200 DMA₹28.47
Day change+0.00%
Price Chart
₹27.95▼ 5.41% · 1Y
2025-07-172026-07-16
20-day avg volume: 176 shares
Pros
- Healthy return on equity of 277.6%.
- Company is almost debt-free.
- Stock trades below its book value.
Quarterly Results
| Metric | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — | — | — |
| Net Profit | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| EPS | — | — | — | — | — | — | — | — |
Profit & Loss (Annual)
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹3 Cr | ₹8 Cr | ₹3 Cr | ₹3 Cr | ₹3 Cr | ₹3 Cr | ₹4 Cr | ₹4 Cr |
| EBITDA | ₹1 Cr | ₹4 Cr | ₹1 Cr | ₹1 Cr | ₹1 Cr | ₹1 Cr | ₹2 Cr | ₹1 Cr |
| Net Profit | ₹1 Cr | ₹2 Cr | ₹1 Cr | ₹1 Cr | ₹1 Cr | ₹1 Cr | ₹2 Cr | ₹1 Cr |
| EPS | 1.24 | 3.93 | 1.68 | 1.64 | 1.42 | 1.36 | 3.07 | 1.9 |
Balance Sheet
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | ₹25 Cr | ₹26 Cr | ₹27 Cr | ₹27 Cr | ₹28 Cr | ₹29 Cr | ₹30 Cr | ₹31 Cr |
| Total Liabilities | ₹2 Cr | ₹2 Cr | ₹2 Cr | ₹1 Cr | ₹1 Cr | ₹1 Cr | ₹1 Cr | ₹1 Cr |
| Equity | ₹22 Cr | ₹25 Cr | ₹25 Cr | ₹26 Cr | ₹27 Cr | ₹27 Cr | ₹29 Cr | ₹30 Cr |
| Total Debt | — | — | — | — | — | — | — | — |
Cash Flow
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Operating | ₹-1 Cr | ₹-1 Cr | ₹-1 Cr | ₹-2 Cr | ₹-3 Cr |
| Investing | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Financing | ₹-1 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Free Cash Flow | ₹-1 Cr | ₹-1 Cr | ₹-1 Cr | ₹-2 Cr | ₹-3 Cr |
Shareholding
Promoter 57.31% Institutions 0.01% Public 42.69%
Efficiency & Working Capital
ROCE3.6%
Interest Coverage-17.7
Dividend Payout—
Debtor Days6 d
Inventory Days0 d
Payable Days0 d
Cash Conversion Cycle6 d
Working Capital Days6 d
Shareholding Details
As of 2026-06-30
Promoter57.3%
FII0%
DII0%
Institutions0%
Public42.7%
Promoter Pledge0%
No. of Shareholders2,592
Shareholding Pattern
Quarterly — figures in %. Latest 12 quarters.
| Period | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 57.8% | 57.3% | 57.3% | 57.3% | 57.3% | 57.3% | 57.3% | 57.3% | 57.3% | 57.3% | 57.3% | 57.3% |
| FIIs | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| DIIs | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Public | 42.1% | 42.7% | 42.7% | 42.7% | 42.7% | 42.7% | 42.7% | 42.7% | 42.7% | 42.7% | 42.7% | 42.7% |
| Promoter Pledge | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| No. of Shareholders | 2,281 | 2,372 | 2,460 | 2,626 | 2,516 | 2,608 | 2,657 | 2,638 | 2,625 | 2,604 | 2,581 | 2,592 |
Returns History (ROE / ROCE / ROA)
| Period | ROE | ROCE | ROA | P/E |
|---|---|---|---|---|
| 202503 | — | — | — | — |
Major Shareholders (>1%)
| Name | Category | Stake | Shares |
|---|---|---|---|
| Dabriwala Banijya Udyog Limited | Shareholding of Promoter and Promoter Group | 43.2% | 22,99,264 |
| United Nanotech Products Limited | Public Shareholding | 13.9% | 7,42,374 |
| Ashok Kumar Dabriwala | Shareholding of Promoter and Promoter Group | 13.9% | 7,38,540 |
| Pramila Jalan | Public Shareholding | 2.9% | 1,54,278 |
| Farooq Arbi Halai | Public Shareholding | 2.7% | 1,43,147 |
| Sunanda Dabriwala | Shareholding of Promoter and Promoter Group | 0.3% | 15,460 |
Promoter Pledges
| Holder | Pledged Shares | % of Holding | As of |
|---|---|---|---|
| Ashok Kumar Dabriwala | 0 | 0% | 2026-06-30 |
| Sunanda Dabriwala | 0 | 0% | 2026-06-30 |
| Dabriwala Banijya Udyog Limited | 0 | 0% | 2026-06-30 |
| Farooq Arbi Halai | 0 | 0% | 2026-06-30 |
| Pramila Jalan | 0 | 0% | 2026-06-30 |
| United Nanotech Products Limited | 0 | 0% | 2026-06-30 |
| Ashok Kumar Dabriwala | 0 | 0% | 2026-03-31 |
| Sunanda Dabriwala | 0 | 0% | 2026-03-31 |
| Dabriwala Banijya Udyog Limited | 0 | 0% | 2026-03-31 |
| Farooq Arbi Halai | 0 | 0% | 2026-03-31 |
| Pramila Jalan | 0 | 0% | 2026-03-31 |
| United Nanotech Products | 0 | 0% | 2026-03-31 |
Board of Directors
| Name | Designation | Year |
|---|---|---|
| A K Dabriwala | Chairman / Executive Director / Managing Director | 2025 |
| Pramod Kumar Dhelia | Independent Non Exe. Director | 2025 |
| Suresh Kumar Kandoi | Independent Non Exe. Director | 2025 |
| Rashmi Bihani | Independent Non Exe. Director | 2025 |
| Devashish Dabriwal | Non-Exec & Non-Independent Dir | 2025 |
| Rashmi Vijaykaran Dabriwal | Non-Exec & Non-Independent Dir | 2025 |
| Deepali Gupta | Company Sec. & Compli. Officer | 2025 |
Segments — Product
| Segment | Revenue | Share |
|---|---|---|
| Financing Activity | ₹2 Cr | 69.1% |
| Renting Activity | ₹1 Cr | 30.9% |
Capital Structure (₹ Cr)
| Year | Face Value | Authorised | Issued | Paid-up |
|---|---|---|---|---|
| 2025 | ₹10 | 15 | 6 | 5 |
Related-Party Transactions (₹ Cr)
| Year | Subsidiaries | Associates | JV | KMP | Others | Total |
|---|---|---|---|---|---|---|
| 2025 | 0 | 0 | 0 | 1 | 0 | 1 |
| 2025 | 0 | 0 | 0 | 1 | 0 | 1 |
| 2025 | 0 | 0 | 0 | 0 | 0 | 0 |
Company Information
🌐 www.unitedcreditltd.com ↗
📍 27B Camac Street, 8th Floor, Kolkata, West Bengal, 700016
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