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Indo Credit Capital Q2 FY27 results: net loss of ₹0.10 crore vs ₹0.03 crore profit
Indo Credit Capital Ltd reported standalone results for Q2 FY27, with a net loss of ₹0.10 crore and basic EPS of ₹0.13. Revenue was ₹0 crore, while total expenses rose to ₹0.10 crore from ₹0.05 crore in Q2 FY26; EBITDA and margin were not reported.
Key points
- Q2 FY27 revenue was ₹0 crore, unchanged from Q2 FY26 and Q1 FY27.
- The company reported a net loss of ₹0.10 crore in Q2 FY27, against a net profit of ₹0.03 crore in Q2 FY26.
- Basic EPS was ₹0.13 in Q2 FY27, compared with ₹0.05 in Q2 FY26 and ₹0.06 in Q1 FY27.
- Total expenses were ₹0.10 crore in Q2 FY27, up ₹0.05 crore from Q2 FY26.
- Total assets were ₹10.32 crore as of 30 September 2026, while total equity was ₹5.74 crore.
How did Indo Credit Capital perform in Q2 FY27?
Indo Credit Capital reported ₹0 crore of revenue in Q2 FY27, unchanged from Q2 FY26 and Q1 FY27. The company reported a net loss of ₹0.10 crore, compared with a net profit of ₹0.03 crore in Q2 FY26 and a net loss of ₹0.04 crore in Q1 FY27. Basic EPS was ₹0.13 in Q2 FY27, against ₹0.05 in Q2 FY26 and ₹0.06 in Q1 FY27. EBITDA and EBITDA margin were not reported.
The results were standalone and unaudited. Total income was ₹0 crore in Q2 FY27, compared with ₹0.09 crore in Q2 FY26 and ₹0 crore in Q1 FY27. The filing states that the company operates in one NBFI segment and that the quarter and half-year results are not indicative of full-year performance because of seasonality.
| ₹ crore | Q2 FY27 | Q1 FY27 | Q2 FY26 | YoY | QoQ |
|---|---|---|---|---|---|
| Revenue from operations | 0 | 0 | 0 | ||
| Other income | 0 | 0 | 0.09 | ||
| Total expenses | 0.10 | 0.04 | 0.05 | +100.0% | +150.0% |
| Profit before tax | −0.10 | −0.04 | 0.03 | turned to loss | |
| Tax | 0 | 0 | 0 | ||
| Net profit | −0.10 | −0.04 | 0.03 | turned to loss | |
| EPS (₹) | −0.13 | −0.06 | 0.05 | turned to loss |
EBITDA here is revenue from operations less operating costs (total expenses excluding finance costs and depreciation): before other income and exceptional items. Growth is shown only when both figures are positive. Source: Company's results filing (XBRL).
What changed in Indo Credit Capital's costs and profit?
Total expenses rose to ₹0.10 crore in Q2 FY27 from ₹0.05 crore in Q2 FY26, an increase of ₹0.05 crore, or 100.0%. Employee benefit expense was ₹0.04 crore, up ₹0.01 crore from ₹0.03 crore, while other expenses rose to ₹0.06 crore from ₹0.02 crore, an increase of ₹0.04 crore, or 200.0%. Finance costs and depreciation were ₹0 crore in both periods.
Other income fell to ₹0 crore in Q2 FY27 from ₹0.09 crore in Q2 FY26, a decline of ₹0.09 crore. There was no exceptional item, and tax expense was ₹0 crore. The company did not state a reason for the changes in costs or other income in the filing.
| ₹ crore | Q2 FY27 | Q2 FY26 | Change | Change % |
|---|---|---|---|---|
| Employee cost | 0.04 | 0.03 | +0.01 | +33.3% |
| Finance costs | 0 | 0 | 0 | |
| Depreciation | 0 | 0 | 0 | |
| Other expenses | 0.06 | 0.02 | +0.04 | +200.0% |
| Total expenses | 0.10 | 0.05 | +0.05 | +100.0% |
| Other income | 0 | 0.09 | −0.09 | |
| Tax | 0 | 0 | 0 |
Source: Company's results filing (XBRL).
How did the first half of FY27 go?
For H1 FY27, Indo Credit Capital reported revenue of ₹0 crore, unchanged from H1 FY26. Total income was ₹0 crore, compared with ₹0.09 crore in H1 FY26, while PBT and PAT were a loss of ₹0.14 crore each, compared with a loss of ₹0.05 crore each. Basic EPS was ₹0.19 in H1 FY27, compared with ₹0.06 in H1 FY26.
The half-year results remained standalone and unaudited. Total expenses were ₹0.10 crore in H1 FY27 against ₹0.05 crore in H1 FY26. The filing states that the results were prepared under Ind AS 34 and reviewed by the audit committee and statutory auditors.
| ₹ crore | H1 FY27 | H1 FY26 | Change |
|---|---|---|---|
| Revenue from operations | 0 | 0 | |
| Profit before tax | −0.14 | −0.05 | |
| Net profit | −0.14 | −0.05 | |
| EPS (₹) | −0.19 | −0.06 |
Source: Company's results filing (XBRL).
What do the balance sheet and cash flow show?
As of 30 September 2026, total assets were ₹10.32 crore, compared with ₹10.06 crore at 31 March 2026. Total equity was ₹5.74 crore, compared with ₹5.88 crore at 31 March 2026. Cash and cash equivalents were ₹0.19 crore, compared with ₹0.05 crore at 31 March 2026. Borrowings and debt securities were ₹0 crore at both dates.
H1 FY27 operating cash flow was an outflow of ₹0.26 crore, compared with an outflow of ₹0.05 crore in H1 FY26. Investing cash flow was ₹0 crore, compared with ₹0.03 crore, while financing cash flow was ₹0.40 crore, compared with ₹0.04 crore. The filing reported closing cash and cash equivalents of ₹0.19 crore at 30 September 2026.
| ₹ crore | As of 30 September 2026 | As of 31 March 2026 |
|---|---|---|
| Total assets | 10.32 | 10.06 |
| Total equity | 5.74 | 5.88 |
| Cash and equivalents | 0.19 | 0.05 |
| Inventories | 0 | 0 |
Source: Company's results filing (XBRL).
| ₹ crore | H1 FY27 | H1 FY26 |
|---|---|---|
| Cash from operations | −0.26 | −0.05 |
| Cash from investing | 0 | 0.03 |
| Cash from financing | 0.40 | 0.04 |
| Capital expenditure | 0 | 0 |
Source: Company's results filing (XBRL).
How has Indo Credit Capital done over the last 8 quarters?
Revenue was ₹0.13 crore in Q4 FY26, its highest level in the reported series, and ₹0 crore in Q1 FY27 and Q2 FY27. Profit reached ₹0.09 crore in Q4 FY25 and Q4 FY26, while the lowest reported profit was a loss of ₹0.08 crore in Q1 FY26. In the latest quarter, revenue remained ₹0 crore and the company reported a net loss of ₹0.10 crore.
The latest result continued the move from profit of ₹0.09 crore in Q4 FY26 to a loss of ₹0.04 crore in Q1 FY27 and a loss of ₹0.10 crore in Q2 FY27. EBITDA margin was not reported for the quarters in the trend data, so no margin peak or trough can be stated.
How did other Non Banking Financial Company (NBFC) companies do?
Among 78 other NBFC companies compared for the quarter, the median revenue growth was 21.5%. The filing data does not provide the number of peers growing slower or faster than Indo Credit Capital, so those counts cannot be stated. Of the 85 peers used for the profit comparison, 57 reported higher profit.
| Indo Credit Capital revenue growth (YoY) | not comparable |
|---|---|
| Median of 78 other Non Banking Financial Company (NBFC) companies | +21.5% |
| Companies whose net profit rose | 57 of 85 |
Source: Filed results (XBRL) of the industry's companies.
Quick answers
What was Indo Credit Capital's revenue in Q2 FY27?
Revenue from operations was ₹0 crore, against ₹0 crore in Q2 FY26 (standalone).
Did Indo Credit Capital make a profit in Q2 FY27?
No. It reported a net loss of ₹0.10 crore, against a net profit of ₹0.03 crore in Q2 FY26.
What was Indo Credit Capital's EPS in Q2 FY27?
Basic loss per share was ₹0.13, against ₹0.05 in Q2 FY26.
When did Indo Credit Capital announce its Q2 FY27 results?
On 27 October 2026, in a filing to the BSE.
Sources
- Board Meeting Intimation for Un-Audited Financial Results For The Quarter Ended On 30Th September 2026 (BSE, 23 October 2026) · PDF
- Board Meeting Outcome for Un-Audited Financial Results Along With Auditors Limited Review Report For The Quarter Ended September 30, 2026 (BSE, 27 October 2026) · PDF
- Un-Audited Financial Results Along With Limited Review Report For The Quarter Ended September 30, 2026 (BSE, 27 October 2026) · PDF
How this was written: every figure in the tables and charts is calculated from the company’s filed results (XBRL) and MarketPing’s price measurements. The text is drafted with AI from those figures and the filings, and a checker removes any sentence carrying a number it cannot trace to them. How we write these.
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