What the business is, and whether it's a good one at a fair price.
Operates as a non-banking financial company earning most of its income from financing activity, with a secondary renting line alongside. In FY26, financing activity contributed ₹2.5271 crore (81.3% of segment revenue) and renting activity added ₹0.5794 crore (18.7%); the Q3 FY26 results commentary notes that interest income from the financing book is the main revenue driver. The financing segment runs at a 98.4% EBIT margin, while renting is much thinner at 8.8%. The company carries no reported debt (debt-to-equity 0.0) and held ₹31.56 crore in total assets at FY26 year-end. Employee cost of ₹0.7405 crore (23.8% of revenue) and other operating expenses of ₹1.2349 crore (39.8% of revenue) are the main cost lines; capex was ₹0.2796 crore (9.0% of revenue). Listed on BSE (scrip code 531091) and headquartered in Kolkata.
Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from UNITED CREDIT LTD.'s filed financials and exchange disclosures
UNITED CREDIT LTD. is a Finance company listed on BSE.
Yes. Over the trailing twelve months UNITED CREDIT LTD. reported a net profit of ₹1 Cr on revenue of ₹3 Cr.
Not in the latest reported year — UNITED CREDIT LTD.'s dividend payout for FY26 was nil.
Effectively yes. It holds ₹1 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, UNITED CREDIT LTD. ranks 101 of 212 in Non Banking Financial Company (NBFC) — cheaper than 53% of them, against an industry median of 18.2×. This is a position, not a valuation judgement.
On a typical session UNITED CREDIT LTD. moves 2.82% — that is the median absolute close-to-close move across its last 248 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by UNITED CREDIT LTD. appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
