Jayabharat Credit Ltd

₹ 21.4 -0.46%

25 May - close price

About

Incorporated in 1943, Jayabharat Credit
Ltd was in the business of Hire Purchase
and leasing^[1]

Key Points

Business Overview:^[1]^[2]
JCL initially operated in General Insurance as a subsidiary of The New India Assurance Company. It later transitioned into Hire Purchase and Leasing, becoming a Deposit-taking NBFC registered with RBI and a Category I Merchant Banker under SEBI. However, in FY20, the company ceased its NBFC operations and is currently non-operational, with no active business activities.

Website BSE

Market Cap ₹ 10.7 Cr.
Current Price ₹ 21.4
High / Low ₹ 33.1 / 9.49
Stock P/E
Book Value ₹ -124
Dividend Yield 0.00 %
ROCE %
ROE %
Face Value ₹ 10.0

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Pros

Cons

Company has low interest coverage ratio.
Promoter holding is low: 15.2%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest	0.30	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.30	0.31	0.18	0.24	0.43	0.22	0.21	0.23	0.31	0.27	0.24	0.27	0.28
Financing Profit	-0.60	-0.31	-0.18	-0.24	-0.43	-0.22	-0.21	-0.23	-0.31	-0.27	-0.24	-0.27	-0.28
Financing Margin %
	0.01	0.00	0.00	0.10	0.01	0.00	0.00	0.00	0.05	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	-0.59	-0.31	-0.18	-0.14	-0.43	-0.22	-0.21	-0.23	-0.26	-0.27	-0.24	-0.27	-0.28
Tax %	33.90%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	30.77%	0.00%	0.00%	0.00%	0.00%
	-0.80	-0.31	-0.18	-0.14	-0.43	-0.22	-0.21	-0.23	-0.34	-0.27	-0.24	-0.28	-0.28
EPS in Rs	-1.60	-0.62	-0.36	-0.28	-0.86	-0.44	-0.42	-0.46	-0.68	-0.54	-0.48	-0.56	-0.56
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	0.65	0.00	0.65	0.00	0.01	0.00	0.00	0.00	0.00	0.01	0.05	0.00
Interest	3.18	1.30	1.23	0.46	0.00	0.00	0.00	0.00	0.30	0.00	0.00	0.00
	1.24	2.50	1.20	1.31	60.70	1.14	1.07	0.88	1.17	1.17	0.98	1.07
Financing Profit	-3.77	-3.80	-1.78	-1.77	-60.69	-1.14	-1.07	-0.88	-1.47	-1.16	-0.93	-1.07
Financing Margin %	-580.00%		-273.85%		-606,900.00%					-11,600.00%	-1,860.00%
	1.57	0.43	0.00	0.21	0.06	0.00	0.30	0.02	0.87	0.10	0.01	0.00
Depreciation	0.05	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.00	0.01	0.01	0.00
Profit before tax	-2.25	-3.39	-1.80	-1.57	-60.64	-1.15	-0.78	-0.87	-0.60	-1.07	-0.93	-1.07
Tax %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	148.33%	0.00%	8.60%	0.00%
	-2.25	-3.39	-1.80	-1.57	-60.64	-1.15	-0.78	-0.87	-1.50	-1.06	-1.01	-1.07
EPS in Rs	-4.50	-6.78	-3.60	-3.14	-121.28	-2.30	-1.56	-1.74	-3.00	-2.12	-2.02	-2.14
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	-100%

Compounded Profit Growth
10 Years:	6%
5 Years:	-9%
3 Years:	15%
TTM:	-6%

Stock Price CAGR
10 Years:	15%
5 Years:	32%
3 Years:	69%
1 Year:	45%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	%
Last Year:	%

Balance Sheet

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00
Reserves	7.91	4.51	2.72	1.15	-59.49	-60.64	-61.42	-62.29	-63.79	-64.85	-65.86	-66.93
Borrowing	47.38	49.21	51.55	53.77	0.00	56.28	56.94	58.01	58.08	59.09	60.46	61.43
	2.88	2.71	1.19	0.51	55.58	0.44	0.54	0.32	0.76	0.80	0.56	0.53
Total Liabilities	63.17	61.43	60.46	60.43	1.09	1.08	1.06	1.04	0.05	0.04	0.16	0.03
	0.37	0.33	0.31	0.30	0.29	0.28	0.27	0.27	0.00	0.01	0.01	0.00
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.00	0.00	0.00	0.00	0.00
	62.78	61.08	60.13	60.11	0.78	0.78	0.77	0.77	0.05	0.03	0.15	0.03
Total Assets	63.17	61.43	60.46	60.43	1.09	1.08	1.06	1.04	0.05	0.04	0.16	0.03

Cash Flows

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-1.28	0.00	-0.30	-1.29	-1.47	-1.06	-0.66	-1.07	-0.67	-1.00	-1.33	-1.01
	0.97	0.00	0.00	0.00	-0.01	0.00	0.00	0.00	0.91	-0.02	0.00	0.00
	0.26	0.00	0.41	1.42	1.45	1.06	0.65	1.08	-0.23	1.00	1.38	0.96
Net Cash Flow	-0.05	0.00	0.11	0.14	-0.03	0.00	-0.01	0.02	0.01	-0.02	0.04	-0.05
Free Cash Flow	-0.41	0.00	-0.30	-1.29	-1.47	-1.06	-0.66	-1.07	0.20	-1.02	-1.33	-1.01
CFO/OP	217%	0%	55%	98%	2%	93%	62%	122%	57%	86%	134%	94%

Ratios

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	-21.14%	-33.01%	-20.89%	-22.64%

Insights

In beta

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Number of Branches
number

x	x	x	x	x	x
x	x	x	x	x	x

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Number of Permanent Employees
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Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	0.09%	0.09%	0.09%	15.22%	15.22%	15.22%	15.22%	15.22%	15.22%	15.22%	15.22%	15.22%
	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%
	99.89%	99.89%	99.88%	84.76%	84.76%	84.76%	84.77%	84.77%	84.76%	84.77%	84.77%	84.77%
No. of Shareholders	2,446	2,448	2,539	2,576	2,653	2,670	2,655	2,657	2,704	2,678	2,717	2,698

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	0.09%	0.09%	0.09%	0.09%	0.09%	0.09%	0.09%	15.22%	15.22%	15.22%
	4.54%	4.54%	4.54%	4.54%	0.09%	0.02%	0.02%	0.02%	0.02%	0.02%
	95.37%	95.37%	95.37%	95.37%	99.82%	99.89%	99.89%	84.76%	84.77%	84.77%
No. of Shareholders	2,299	2,305	2,298	2,302	2,305	2,404	2,453	2,576	2,657	2,698

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Jayabharat Credit Ltd

Jayabharat Credit Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports