BSE: 539124
Survottam Finvest Ltd.
A small Kolkata-based non-banking financial company (NBFC) earning revenue from its loan portfolio through interest income. In FY26, total income stood at Rs. 137.34 lakhs, down from Rs. 163.46 lakhs in FY25. The loan book remained stable at Rs. 2,214.90 lakhs during FY26, with no stressed loans acquired or transferred during the year. The company posted a net loss of Rs. 18.73 lakhs in FY26, a sizeable improvement from a Rs. 58.93 lakhs loss in FY25, helped by lower impairment charges on financial instruments (Rs. 11.80 lakhs versus Rs. 66 lakhs the year before). Its cost structure is dominated by other operating expenses (59.7% of revenue) and employee costs (28.3% of revenue). Listed on BSE under scrip code 539124 and on the Calcutta Stock Exchange, the company does not raise funds through public, rights, or preferential issues and does not meet the SEBI threshold for classification as a Large Corporate. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Interest income on loans. Small, Kolkata-based NBFC focused on lending
Exhibit 1: Financial summary, FY22–FY26 (all audited; no estimate years)
| ₹ crore · standalone | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 2 | 2 | 2 | 2 | 1 |
| EBITDA (ex other income) | (0) | (1) | 0 | (1) | (0) |
| margin % | (10.5) | (64.3) | 27.0 | (32.8) | (12.4) |
| Owners' profit | (0) | (1) | 0 | (1) | (0) |
| EPS, as reported (₹) | (0.32) | (1.58) | 0.63 | (0.79) | (0.25) |
| ROE % · ROCE % | (0.9) · — | (4.8) · — | 1.9 · — | (2.4) · — | (0.8) · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | (0) | 0 | 1 | (1) | 0 |
| Capex | 0 | 0 | (0) | 0 | 0 |
Exhibit 2: Quarterly performance, last 8 quarters
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Profit before tax | (0) | (0) | (0) | 0 | 0 | (0) | (0) | 0 |
| Net profit | (0) | (0) | (0) | 0 | 0 | (0) | (0) | 0 |
| EPS (₹) | (0.29) | (0.34) | (0.09) | 0.21 | 0.08 | (0.10) | (0.32) | 0.07 |
Exhibit 3: Peers — basic industry group, by market cap
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ FINANCE LIMITED | 5,67,346 | 27.9 | 4.85 | — | 16.5 | — | 25.2 | 70.7 |
| SHRIRAM FINANCE LIMITED | 1,93,785 | 14.5 | 2.94 | — | 15.2 | — | 22.5 | 74.7 |
| TATA CAPITAL LIMITED | 1,28,620 | 23.5 | 2.73 | — | 10.4 | — | — | 75.8 |
| CHOLAMANDALAM IN & FIN CO | 1,25,298 | 21.7 | 4.11 | — | 17.2 | — | 26.5 | 71.2 |
| MUTHOOT FINANCE LIMITED | 96,653 | 8.5 | 2.43 | — | 26.7 | — | 22.0 | 84.0 |
| SBI CARDS & PAY SER LTD | 50,250 | 22.1 | 3.20 | — | 13.8 | — | — | 33.1 |
| SUNDARAM FINANCE LTD | 42,997 | 19.2 | 2.89 | — | 13.8 | — | — | 78.4 |
| PIRAMAL FINANCE LIMITED | 42,166 | 24.9 | 1.50 | — | 5.3 | — | — | 63.4 |
Exhibit 4: Where the company sits in its group
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/B | 0.5 | 1.1 | 54 of 253 | 79% |
| ROE | (0.8) | 3.1 | 210 of 257 | 18% |
| EBITDA margin | 18.0 | 48.6 | 168 of 249 | 33% |
| Revenue growth | 65.3 | 12.6 | 50 of 231 | 79% |
| Profit growth | (67.4) | 7.8 | 171 of 251 | 32% |
| Market cap | 12 | 33 | 202 of 268 | 25% |
Exhibit 5: Filings of the last 90 days, with the measured price reaction
| Date · filing | Category | Importance | Next day % | 5-day % |
|---|---|---|---|---|
| 15 Oct 2026 · Routine dematerialisation compliance certificate filed for Q2 FY27 | compliance | minimal | — | — |
| 30 Sept 2026 · 47th AGM voting results: all 3 resolutions passed unanimously | board shareholder meetings | low | — | — |
| 29 Sept 2026 · Sarvottam Finvest 47th AGM held, MD re-appointment on agenda | board shareholder meetings | medium | — | — |
| 29 Sept 2026 · Sarvottam Finvest 47th AGM held on 29 Sept 2026; 3 resolutions tabled | board shareholder meetings | low | — | — |
| 29 Sept 2026 · 47th AGM held - MD re-appointment for 5 years proposed, results awaited | board shareholder meetings | low | — | — |
| 23 Sept 2026 · Trading window closed from Oct 1 ahead of Q2 results | compliance | minimal | — | — |
| 8 Sept 2026 · AGM Notice & Annual Report FY26 Dispatched to Non-Registered Email Holders | compliance | minimal | — | — |
| 7 Sept 2026 · 47th AGM notice, book closure and e-voting info published in newspaper | compliance | minimal | — | — |
| 5 Sept 2026 · 47th AGM on Sept 29, 2026; MD reappointment and FY26 results | board shareholder meetings | low | — | — |
| 5 Sept 2026 · 47th AGM on Sep 29; MD re-appointment with higher pay proposed | board shareholder meetings | low | — | — |
How to read this document
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions | an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
Sources, method and disclosures
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.