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Anupam Finserv Ltd

₹ 2.71-1.45%
14 Jan – close price
🔗anupamfinserv.com•BSE: 530109•NSE:
Market Cap₹ 51.4 Cr.
Current Price₹ 2.71
High / Low₹ 3.40
Stock P/E36.5
Book Value₹ 1.57
Dividend Yield0.00 %
ROCE6.61 %
ROE3.68 %
Face Value₹ 1.00
Sales₹ 4.86 Cr.
OPM46.5 %
Mar Cap₹ 51.4 Cr.

ABOUT

Incorporated in 1991, Anupam Finserv Ltd is in the business of financing and leasing[1]

KEY POINTS

Business Overview:[1]Company is registered as a Non Deposit taking Non Systematically Important Non Banking Finance Company. It provides all kinds of Loans and Finance, viz. Personal, Business or Home loans. Apart from NBFC business, company also ventured into operating lease of vehicles

Also present in buckets:
Aggressive Growth TriggersExcellent ResultsRevenue GuidanceAsset Base ExpansionCapacity Expansion And ProductsPreferential IssuanceJv Partnerships AcquisitionsRed Flags And Poor Performance

Peer Comparision

S.No.NameCurrent Price (Rs.)Price to EarningMarket Capitalization (Rs.Cr.)Dividend yield (%)Net Profit latest quarter (Rs.Cr.)YOY Quarterly profit growth (%)Sales latest quarter (Rs.Cr.)YOY Quarterly sales growth (%)Return on capital employed (%)Sales (Rs.Cr.)OPM (%)Profit after tax (Rs.Cr.)Profit after tax latest quarter (Rs.Cr.)Price to book valueReturn on assets (%)Debt to equity
1.Bajaj Finance945.9532.16588615.670.474947.7621.8920178.9018.0611.3576194.7468.4818301.084875.365.703.993.85
2.Shriram Finance981.1021.07184592.821.012314.1612.2211912.4418.0710.9545601.3072.598760.032314.223.053.043.87
3.Muthoot Finance3938.1021.65158102.300.662411.6590.367282.7947.7613.1924544.4075.967303.692420.634.824.673.76
4.Tata Capital354.9040.94150650.400.001118.972.017737.187.699.5828323.8571.643658.331097.32–1.725.88
5.Cholaman.Inv.&Fn1689.5030.70142596.700.121159.6119.827491.3819.7610.3428536.7369.184645.191159.615.482.387.23
6.SBI Cards846.5041.9980551.030.30444.779.984960.9812.2110.4019130.5427.491918.14444.775.453.103.33
7.L&T Finance Ltd295.8027.4474038.060.93734.885.644335.757.878.7116715.8260.772698.51734.842.812.373.72
8.Anupam Finserv2.7136.4851.430.000.90592.311.7881.636.614.8646.501.410.901.733.230.00
–Median: 95 Co.129.621.52504.730.07.3411.9245.0712.799.02168.0857.6418.086.371.973.040.78

Quarterly Results

Standalone figures in ₹ crores

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Sales
0.600.580.690.760.750.890.780.920.981.040.881.161.78
Expenses
0.190.100.210.370.230.180.320.460.460.820.740.570.47
Operating Profit
0.410.480.480.390.520.710.460.460.520.220.140.591.31
Other Income
0.00-0.150.000.03-0.030.000.000.000.000.040.000.000.00
Profit before tax
0.180.190.290.210.260.500.300.270.320.060.030.461.19
Tax %
27.78%21.05%37.93%33.33%23.08%18.00%30.00%25.93%59.38%-150.00%0.00%26.09%24.37%
Net Profit
0.130.150.170.150.200.420.210.200.130.150.020.340.90
EPS in Rs
0.010.010.010.010.010.020.010.010.010.010.000.020.05

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales
2.530.580.500.512.442.322.192.852.942.533.133.694.86
Expenses
2.420.770.380.231.330.450.590.380.430.521.051.602.60
Operating Profit
0.11-0.190.120.281.111.871.602.472.512.012.082.092.26
Other Income
0.060.000.010.000.060.000.000.030.01-0.27-0.04-0.710.04
Interest
0.000.000.020.090.650.920.850.790.700.310.300.210.16
Depreciation
0.010.000.000.000.000.000.000.000.130.400.490.490.40
Profit before tax
0.16-0.190.110.190.520.950.751.711.691.031.250.681.74
Net Profit
0.12-0.250.070.150.450.640.641.271.320.770.940.511.41
EPS in Rs
0.01-0.020.010.010.020.030.030.050.060.030.040.030.08
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:20%
5 Years:11%
3 Years:8%
TTM:36%

Compounded Profit Growth

10 Years:18%
5 Years:5%
3 Years:-15%
TTM:47%

Stock Price CAGR

10 Years:16%
5 Years:33%
3 Years:14%
1 Year:38%

Return on Equity

10 Years:6%
5 Years:7%
3 Years:5%
Last Year:4%

Balance Sheet

Standalone figures in ₹ crores

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital
5.515.515.515.5110.5110.5110.5110.5111.5611.5611.5618.9818.98
Reserves
2.43-1.17-1.10-0.95-0.540.120.762.032.293.074.009.4810.72
Borrowings
0.190.000.403.408.077.916.576.473.093.952.363.250.04
Other Liabilities
0.870.130.290.250.340.220.360.400.220.120.270.250.23
Total Liabilities
9.004.475.108.2118.3818.7618.2019.4117.1618.7018.1931.9629.97
Fixed Assets
0.110.000.000.000.010.010.010.001.452.402.241.701.13
Gross Block
0.220.000.000.000.010.020.020.021.592.862.812.39–
Accumulated Depreciation
0.110.000.000.000.000.010.010.010.140.450.570.69–
CWIP
0.000.000.000.000.000.000.000.000.000.000.000.000.00
Investments
0.370.000.000.253.710.890.991.080.880.630.680.600.96
Other Assets
8.524.475.107.9614.6617.8617.2018.3314.8315.6715.2729.6627.88
Total Assets
9.004.475.108.2118.3818.7618.2019.4117.1618.7018.1931.9629.97

Cash Flows

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity
0.750.170.17-2.70-4.79-3.591.620.683.550.482.41-12.47
Cash from Investing Activity
0.000.000.00-0.25-3.462.94-0.280.51-0.83-1.41-0.66-0.58
Cash from Financing Activity
-0.73-0.07-0.072.999.02-0.16-1.34-0.10-3.380.86-1.5913.26
Net Cash Flow
0.020.090.090.040.77-0.810.001.09-0.66-0.070.160.21

Ratios

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days
1.440.0065.700.004.490.000.000.008.6912.989.332.97
Inventory Days
9.26398.18121.67–38.24–––––––
Days Payable
111.1799.55405.56–10.43–––––––
Cash Conversion Cycle
-100.46298.64-218.190.0032.300.000.000.008.6912.989.332.97
Working Capital Days
-122.6312.59102.203,041.67722.52-1,263.34-1,076.67-8.9653.3833.18-16.33-11.87
ROCE %
1.19%-3.05%2.84%4.39%9.00%10.22%8.80%13.57%13.35%9.07%8.88%6.61%

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters
29.31%29.31%29.31%29.31%29.31%29.33%29.33%29.33%29.33%51.63%51.63%51.75%51.75%
FIIs
–––––––––––––
DIIs
0.02%0.02%0.02%0.02%0.02%0.02%0.02%0.02%0.02%0.01%0.01%0.01%0.01%
Public
70.67%70.66%70.67%70.66%70.66%70.66%70.65%70.66%70.65%48.35%48.36%48.22%48.24%

* The classifications might have changed from Sep'2022 onwards.ℹ️

BSE Announcements AI Summary

Direct from BSE filings, auto-summarised

Anupam Finserv Ltd. Submits SEBI Compliance Report on Share Dematerialisation

2nd April 2026, 5:10 pm

Anupam Finserv Announces Trading Window Closure from April 1, 2026

25th March 2026, 7:02 pm

Anupam Finserv Approves 8,000,000 ESOP Grant at ₹1.90 Exercise Price

20th March 2026, 3:19 pm

Anupam Finserv: Dhruvil Gala acquires 4.88% stake via gift, promoter holding at 51.75%

10th March 2026, 10:51 pm

Anupam Finserv Allots ₹5.19 Crore NCDs via Private Placement

10th March 2026, 7:54 pm

Published by Other Websites

External media mentions & references

Indian Market Cap Soars Past Rs 473 Lakh Crore! Sensex, Nifty Edge Higher - Don't Miss This Crucial Update!

13th November 2025, 4:49 pm

Anupam Finserv Q3 Profit Surges 790% on Margin Expansion, Bank Account Unfrozen
Anupam Finserv: Promoter Group Rejigs Stake Via Gift; Overall Holding Unchanged
Anupam Finserv Approves 80 Lakh ESOPs at INR 1.90 Exercise Price
Anupam Finserv Raises ₹5.19 Cr Via NCDs; Capital Base Strengthened

News Articles

Editorial & research coverage

Indian Market Cap Soars Past Rs 473 Lakh Crore! Sensex, Nifty Edge Higher - Don't Miss This Crucial Update!
Indian Market Cap Soars Past Rs 473 Lakh Crore! Sensex, Nifty Edge Higher - Don't Miss This Crucial Update!

13th November 2025, 4:49 pm

Anupam Finserv Q3 Profit Surges 790% on Margin Expansion, Bank Account Unfrozen
Anupam Finserv Q3 Profit Surges 790% on Margin Expansion, Bank Account Unfrozen

Documents

Announcements

Shareholder Meeting / Postal Ballot-Outcome of Postal_Ballot
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018

6 Jan - PFA Certificate for month and quarter ended 31st December, 2025

Board Meeting Outcome for Allotment Of NCD

30 Dec - Allotment of 392 secured, unlisted, unrated NCDs of Rs.100,000 each; aggregate Rs.3.92 crore on Dec 30, 2025.

Board Meeting Outcome for Revised Outcome

29 Dec - Updated NCD tranche Rs3Cr with greenshoe up to Rs3Cr; 12% coupon, 24-month tenure.

Board Meeting Outcome for Outcom Of Board Meeting Held For Approval Of Fund Raise

26 Dec - Board approved private placement of secured NCDs up to Rs10 crore; 12% p.a., 24-month tenor; Rs3 crore first tranche.

Annual Reports

Financial Year 2025

(from bse)

Financial Year 2024

(from bse)

Financial Year 2023

(from bse)

Financial Year 2022

(from bse)

Financial Year 2021

(from bse)

Financial Year 2020

(from bse)

Financial Year 2019

(from bse)

Financial Year 2018

(from bse)

Financial Year 2017

(from bse)

Financial Year 2016

(from bse)

Financial Year 2015

(from bse)

Financial Year 2014

(from bse)

Financial Year 2013

(from bse)

Financial Year 2012

(from bse)

Financial Year 2011

(from bse)

Credit Ratings

No credit ratings.

Concalls

No concalls.

Stock Analysis

Description

  1. Anupam Finserv Ltd is in the business of financing and leasing. The company is registered as a Non Deposit taking Non Systematically Important Non Banking Finance Company, providing various loans and finance options.

Key Growth Triggers

  1. The approval of the Anupam Finserv Employee Stock Option Plan 2025 aims to attract and retain key talent, crucial for the company's future growth and operational efficiency in the financing and leasing sector.

Order Book

  1. Currently no data available for Order Book.

Key Red Flags

  1. A recurring risk involves a frozen bank account linked to a fintech partner, for which legal action is being evaluated. Past concerns over asset quality and increased NPAs were also noted.

Key Dates To Watch

  1. Postal ballot voting period: December 8, 2025, to January 7, 2026. Results announced on January 7, 2026.

Corporate Announcements

2nd Apr 26
Impact Rating: 3
Anupam Finserv Ltd. submitted a SEBI compliance certificate from its Registrar for share dematerialisation/rematerialisation for the quarter ended March 31, 2026.
25th Mar 26
Impact Rating: 6
Anupam Finserv is closing its trading window starting April 1, 2026, and it will reopen 48 hours after the company announces its financial results for the quarter and year ending March 31, 2026.
20th Mar 26
Impact Rating: 7
Anupam Finserv's committee approved 8,000,000 ESOPs at ₹1.90 each under the 2025 plan. Vesting is over 1-5 years based on non-market performance conditions, following SEBI regulations.
10th Mar 26
Impact Rating: 8
Anupam Finserv Limited's disclosures dated March 10, 2026, detail Dhruvil Gala's acquisition of 92.65 lakh shares, representing 4.88% of voting capital, through an inter-se transfer by gift. The promoter group's total holding remains at 51.75%.
10th Mar 26
Impact Rating: 7
Anupam Finserv Limited's Board of Directors approved by circulation on March 10, 2026, the allotment of 519 Secured, Unlisted, Unrated Non-Convertible Debentures on private placement, aggregating ₹5.19 crore (₹519.00 lakh).