Please find the unaudited financial results for the 2nd qtr and half year ended on September 30, 2025 along with Auditors Report thereon.

Revenue declinedNegative operating cash flowResults View source PDF Explain this filing

Price

Loading chart…

▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Price reactionminutes from the announcement price · days from the prior close

+4.6%Reaction day

₹30.49

prior close

₹30.92

announcement price

In-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used+0.9%+3.7% vs market

Non Banking Financial Company (NBFC) peers, median of 205sector+0.2%+4.3% vs sector

On the reaction day the stock moved 3.7 pts more than Nifty Microcap 250 and 4.3 pts more than its Non Banking Financial Company (NBFC) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

-0.0

10m

-0.0

15m

-0.0

30m

-0.0

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

+4.6+0.9+3.7+0.2+4.3

Next day

+1.7+0.8+0.8+0.4+1.3

-0.2+0.7-1.0+0.7-0.9

+3.6+1.3+2.3+0.6+3.0

+8.0+0.5+7.5+0.0+8.0

+1.8+0.4+1.4-0.3+2.1

+6.6-1.5+8.1-1.0+7.5

15d

+5.0-2.4+7.4-2.3+7.3

+1.6-4.4+6.1-3.8+5.4

-5.4-7.2+1.9-5.8+0.4

—-5.0—-9.3—

UpDownMarket · Nifty Microcap 250Sector · Non Banking Financial Company (NBFC) peers, median of 205Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

United Credit Limited (BSE: 531091) announced its unaudited Q2 FY26 and H1 FY26 results for the period ended September 30, 2025. Q2 FY26 total income stood at ₹89.44 lakhs with a profit after tax of ₹25.00 lakhs (EPS of ₹0.43). H1 FY26 PAT came in at ₹69.31 lakhs versus ₹89.31 lakhs in H1 FY25, a decline of roughly 22%. Revenue from operations in Q2 fell sharply to ₹87.67 lakhs from ₹174.29 lakhs in Q2 FY25, a drop of nearly 50%, driven by lower interest income. Statutory auditor L.B. Jha & Co. issued a clean (unqualified) limited review report with no qualifications or emphasis of matter. However, the company reported negative operating cash flow of (₹21.46) lakhs for H1 FY26, and cash balances declined to ₹48.98 lakhs from ₹54.35 lakhs at the start of the year.

Likely market impact

Sharp year-on-year decline in Q2 revenue and profits, combined with negative operating cash flow, is likely to pressure near-term sentiment despite the clean auditor opinion and stable balance sheet. Investors should watch for sustained recovery in the lending/financing segment which drives most of the company's income.