₹34.5
▲ +1.5 +4.55%
17 Jul 2026
NSE Listed · Finance
Usha Financial Services Limited (USHAFIN)
Volume: 8,000Avg Vol 1W: 9,280Avg Vol 1M: 25,96452W Range:₹26.75₹53.83
Key Ratios
Checked just nowMarket Cap₹150 Cr
Current Price₹34.5
Previous Close₹33
High / Low (52w)₹53.83 / ₹26.75
Volume8,000
Avg Vol (1W)9,280
Avg Vol (1M)25,964
Stock P/E6.67
Book Value₹52.83
Dividend Yield0%
ROE9.78%
ROA5.23%
Revenue (TTM)—
Revenue Growth—
Profit Margin31.87%
Total Debt—
Shares Outstanding4 Cr
Face Value₹10
EPS (TTM)₹5.17
P/B0.65
Debt / Equity1.15
50 DMA₹33.25
200 DMA₹36.59
Day change+4.55%
Price Chart
₹34.5▼ 32.52% · 1Y
2025-07-172026-07-17
20-day avg volume: 26K shares
Pros
- Company is almost debt-free.
- Stock trades below its book value.
Quarterly Results
| Metric | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — | — |
| Net Profit | ₹4 Cr | ₹5 Cr | ₹1 Cr | ₹5 Cr | ₹4 Cr | ₹7 Cr | ₹7 Cr |
| EPS | — | — | — | — | — | — | — |
Profit & Loss (Annual)
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|
| Revenue | ₹52 Cr | ₹26 Cr | ₹25 Cr | ₹46 Cr | ₹64 Cr | ₹61 Cr |
| EBITDA | ₹15 Cr | ₹5 Cr | ₹5 Cr | ₹14 Cr | ₹17 Cr | ₹18 Cr |
| Net Profit | ₹11 Cr | ₹4 Cr | ₹4 Cr | ₹10 Cr | ₹13 Cr | ₹14 Cr |
| EPS | 17 | 6.25 | 3.51 | 7.42 | 8.21 | 7.52 |
Balance Sheet
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|
| Total Assets | ₹254 Cr | ₹117 Cr | ₹164 Cr | ₹372 Cr | ₹336 Cr | ₹440 Cr |
| Total Liabilities | ₹216 Cr | ₹74 Cr | ₹117 Cr | ₹290 Cr | ₹230 Cr | ₹229 Cr |
| Equity | ₹38 Cr | ₹44 Cr | ₹48 Cr | ₹82 Cr | ₹106 Cr | ₹211 Cr |
| Total Debt | — | — | — | — | — | — |
Cash Flow
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Operating | ₹-7 Cr | ₹-33 Cr | ₹-174 Cr | ₹76 Cr | ₹-88 Cr |
| Investing | ₹-2 Cr | ₹0 Cr | ₹2 Cr | ₹-8 Cr | ₹-4 Cr |
| Financing | ₹-17 Cr | ₹35 Cr | ₹175 Cr | ₹-56 Cr | ₹95 Cr |
| Free Cash Flow | ₹-7 Cr | ₹-33 Cr | ₹-174 Cr | ₹76 Cr | ₹-88 Cr |
Shareholding
Promoter 74.97% Institutions 2.73% Public 22.3%
Efficiency & Working Capital
ROCE13.3%
Interest Coverage1.8
Dividend Payout—
Debtor Days0 d
Inventory Days0 d
Payable Days3 d
Cash Conversion Cycle-3 d
Working Capital Days0 d
Shareholding Details
As of 2026-03-31
Promoter75%
FII2.2%
DII0.6%
Institutions2.7%
Public22.3%
Promoter Pledge0%
No. of Shareholders1,739
Shareholding Pattern
Quarterly — figures in %. Latest 10 quarters.
| Period | Jul 2024 | Jul 2024 | Oct 2024 | Oct 2024 | Mar 2025 | Aug 2025 | Aug 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 98.9% | 98.9% | 72.3% | 72.3% | 74.5% | 74.5% | 74.5% | 74.5% | 75% | 75% |
| FIIs | 0% | 0% | 9.5% | 9.5% | 5.6% | 3.6% | 3.6% | 3.6% | 2.7% | 2.2% |
| DIIs | 0% | 0% | 3% | 0% | 0% | 0.6% | 0% | 0% | 0.6% | 0.6% |
| Public | 1.1% | 1.1% | 15.1% | 18.1% | 19.8% | 21.4% | 22% | 22% | 21.7% | 22.3% |
| Promoter Pledge | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| No. of Shareholders | 47 | 47 | 3,190 | 3,190 | 1,987 | 1,862 | 1,862 | 1,837 | 1,764 | 1,739 |
Returns History (ROE / ROCE / ROA)
| Period | ROE | ROCE | ROA | P/E |
|---|---|---|---|---|
| 202503 | — | — | — | — |
Major Shareholders (>1%)
| Name | Category | Stake | Shares |
|---|---|---|---|
| Rajesh Gupta | Shareholding of Promoter and Promoter Group | 19.6% | 85,40,252 |
| Br Hands Investments Private Limited | Shareholding of Promoter and Promoter Group | 13.1% | 56,81,714 |
| Anoop Garg | Shareholding of Promoter and Promoter Group | 12.6% | 54,60,746 |
| Uninav Developers Pvt Ltd | Shareholding of Promoter and Promoter Group | 11% | 47,76,198 |
| Shikha Gupta | Shareholding of Promoter and Promoter Group | 7.7% | 33,62,400 |
| Priya Gupta | Shareholding of Promoter and Promoter Group | 7.6% | 33,04,500 |
| Athavi Consultancy And Advisors Private Limited | Public Shareholding | 1.8% | 7,92,000 |
| Varun Gupta | Public Shareholding | 1.5% | 6,68,800 |
| Jinendra Kumar Jain | Public Shareholding | 1.1% | 4,80,000 |
| Epoch Synthetics Pvt Ltd | Public Shareholding | 1.1% | 4,56,000 |
| Geeta Goswami | Shareholding of Promoter and Promoter Group | 1% | 4,17,900 |
| Sandhya Gupta | Shareholding of Promoter and Promoter Group | 0.9% | 3,75,000 |
| Nupur Gupta | Shareholding of Promoter and Promoter Group | 0.6% | 2,63,300 |
| Anoop Garg Huf | Shareholding of Promoter and Promoter Group | 0.4% | 1,80,000 |
| Rajesh Gupta Huf | Shareholding of Promoter and Promoter Group | 0.4% | 1,74,000 |
| Arushi Garg | Shareholding of Promoter and Promoter Group | 0.1% | 43,800 |
| Sachin Kumar Gupta | Shareholding of Promoter and Promoter Group | 0% | 15,000 |
| Sumer Chand Garg Huf | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Late Sumer Chand Garg | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Kanta Rani | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Ram Kumar Goyal | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Shashi Goyal | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Mohit | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Vidit Garg | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Late Shri Gopal Behari Gupta | Shareholding of Promoter and Promoter Group | 0% | 0 |
Promoter Pledges
| Holder | Pledged Shares | % of Holding | As of |
|---|---|---|---|
| Rajesh Gupta | 0 | 0% | 2026-03-31 |
| Anoop Garg | 0 | 0% | 2026-03-31 |
| Shikha Gupta | 0 | 0% | 2026-03-31 |
| Priya Gupta | 0 | 0% | 2026-03-31 |
| Geeta Goswami | 0 | 0% | 2026-03-31 |
| Sandhya Gupta | 0 | 0% | 2026-03-31 |
| Nupur Gupta | 0 | 0% | 2026-03-31 |
| Anoop Garg Huf | 0 | 0% | 2026-03-31 |
| Rajesh Gupta Huf | 0 | 0% | 2026-03-31 |
| Arushi Garg | 0 | 0% | 2026-03-31 |
| Sachin Kumar Gupta | 0 | 0% | 2026-03-31 |
| Sumer Chand Garg Huf | 0 | 0% | 2026-03-31 |
Board of Directors
| Name | Designation | Year |
|---|---|---|
| Rajesh Gupta | Chairman / Executive Director / M D / Promoter | 2025 |
| Geeta Goswami | Executive Director & CEO | 2025 |
| Anoop Garg | Executive Director | 2025 |
| Nupur Gupta | Non-Exec & Non-Independent Dir | 2025 |
| PANKAJ JAIN | Independent Non Exe. Director | 2025 |
| Nimisha Jain | Independent Non Exe. Director | 2025 |
| KRITIKA GOSWAMI | Company Sec. & Compli. Officer | 2025 |
Segments — Product
| Segment | Revenue | Share |
|---|---|---|
| Business of Lending | ₹0 Cr | — |
Capital Structure (₹ Cr)
| Year | Face Value | Authorised | Issued | Paid-up |
|---|---|---|---|---|
| 2025 | ₹10 | 26 | 22 | 22 |
Corporate Actions
| Type | Date | Value | Remark |
|---|---|---|---|
| bonus | 2025-08-19 | 1:1 | 1:1 Bonus Issue of Equity Shares |
Related-Party Transactions (₹ Cr)
| Year | Subsidiaries | Associates | JV | KMP | Others | Total |
|---|---|---|---|---|---|---|
| 2025 | 0 | 0 | 0 | 8 | 38 | 46 |
| 2025 | 0 | 0 | 0 | 7 | 38 | 45 |
| 2025 | 0 | 0 | 0 | 1 | 0 | 1 |
Company Information
🌐 www.ushafinancial.com ↗
📍 330 Mezanine Floor Functional-, Industrial Estate, Patparganj, Delhi, 110092
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