--- title: "JM Financial Credit Solutions (508815) Financials & Shareholding" symbol: "508815" company: "JM Financial Credit Solutions Ltd" canonical: "https://tapetide.com/stocks/508815" isin: "INE651J01013" bse_code: "508815" generated_at: "2026-11-05T01:45:27.727Z" --- # JM Financial Credit Solutions (508815) Canonical page: https://tapetide.com/stocks/508815 ## Key Facts - **Revenue, Jun 2026 quarter:** ₹198 Cr, against ₹200 Cr in Jun 2025 (-1.00% year on year) - **Net profit, Jun 2026 quarter:** ₹71 Cr, against ₹217 Cr in Jun 2025 (-67.28% year on year) ## Company - **BSE code:** 508815 - **ISIN:** INE651J01013 - **In the F&O segment:** No ## Key Insights ### Weaknesses - Company has a low return on equity of 3.78% over last 3 years. ## Growth Rate Growth computed from the financial statements below. A window with no rate gives the reason instead of a figure. | Metric | Window | Growth | What it compares | | --- | --- | ---: | --- | | Revenue | 10Y | 3.75% | compounded annual rate, Mar 2016 to Mar 2026 | | Revenue | 5Y | Irregular period | compounded annual rate, Mar 2021 to Mar 2026. A period in this window is not a full year or quarter, or the year-end changed, so the periods do not compare. | | Revenue | 3Y | Irregular period | compounded annual rate, Mar 2023 to Mar 2026. A period in this window is not a full year or quarter, or the year-end changed, so the periods do not compare. | | Revenue | 1Y | -8.98% | fiscal year to Mar 2026 vs the year to Mar 2025 | | Revenue | TTM | -8.67% | four quarters to Jun 2026 vs the four to Jun 2025 | | Net profit | 10Y | 7.86% | compounded annual rate, Mar 2016 to Mar 2026 | | Net profit | 5Y | Irregular period | compounded annual rate, Mar 2021 to Mar 2026. A period in this window is not a full year or quarter, or the year-end changed, so the periods do not compare. | | Net profit | 3Y | Irregular period | compounded annual rate, Mar 2023 to Mar 2026. A period in this window is not a full year or quarter, or the year-end changed, so the periods do not compare. | | Net profit | 1Y | Tiny base | fiscal year to Mar 2026 vs the year to Mar 2025: ₹15.00 Cr to ₹422 Cr. The starting figure is so small that the rate is beyond ±1,000% and says nothing. | | Net profit | TTM | 46.81% | four quarters to Jun 2026 vs the four to Jun 2025 | | Operating cash flow | All | Not meaningful | A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business. | ## Financial Statements ### Quarterly Results Figures in ₹ crore unless the row name gives another unit. | Item | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | | Revenue | 314 | 318 | 330 | 342 | 269 | 218 | 229 | 172 | 200 | 180 | 213 | 157 | 198 | | Expenses | 149 | 144 | 66 | 278 | 73 | 203 | 122 | 10 | -172 | -4 | -8 | 3 | 18 | | Financing Profit | 15 | 25 | 117 | -84 | 59 | -106 | 6 | 77 | 292 | 89 | 127 | 64 | 94 | | Financing Margin % | 5% | 8% | 35% | -25% | 22% | -49% | 2% | 45% | 146% | 50% | 60% | 41% | 48% | | Other Income | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | | Interest | 150 | 149 | 147 | 149 | 137 | 121 | 102 | 85 | 80 | 95 | 94 | 90 | 86 | | Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 1 | 1 | 1 | 1 | 1 | | Profit before tax | 14 | 23 | 115 | -86 | 60 | -107 | 4 | 75 | 290 | 88 | 126 | 63 | 96 | | Tax % | 26% | 26% | 25% | -22% | 25% | -17% | 27% | 26% | 25% | 24% | 26% | 28% | 25% | | Net Profit | 10 | 17 | 86 | -67 | 45 | -88 | 3 | 56 | 217 | 67 | 93 | 45 | 71 | | Gross NPA % | 6.15% | — | 7.25% | — | 9.68% | 11.59% | 14.65% | 17.85% | 11.88% | 12.79% | 12.77% | 14.61% | 13.15% | | Net NPA % | 3.63% | — | 3.46% | — | 3.4% | 2.68% | 0.94% | 2.27% | 1.58% | 2.1% | 2.11% | 1.98% | 1.78% | ### Profit & Loss Figures in ₹ crore unless the row name gives another unit. | Item | Mar 2011 | Mar 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | | Revenue | 0 | 0 | 6 | 98 | 519 | 788 | 940 | 1,279 | 1,310 | 1,305 | 824 | 750 | 749 | | Expenses | 0 | 0 | 0 | 20 | 43 | 51 | 66 | 74 | 224 | 637 | 343 | -180 | 10 | | Financing Profit | 0 | 0 | 3 | 64 | 302 | 425 | 484 | 627 | 537 | 72 | 36 | 572 | 375 | | Financing Margin % | n/m | n/m | 46% | 66% | 58% | 54% | 51% | 49% | 41% | 6% | 4% | 76% | 50% | | Other Income | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 2 | | Interest | 0 | 0 | 3 | 13 | 175 | 312 | 390 | 579 | 549 | 595 | 445 | 358 | 364 | | Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 5 | 6 | 5 | 5 | | Profit before tax | 0 | 0 | 3 | 70 | 302 | 425 | 484 | 626 | 535 | 67 | 32 | 567 | 372 | | Tax % | 17% | 23% | 36% | 30% | 35% | 35% | 35% | 35% | 29% | 30% | 54% | 26% | — | | Net Profit | 0 | 0 | 2 | 49 | 198 | 277 | 315 | 406 | 382 | 47 | 15 | 422 | 276 | | Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — | n/m: Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. ### Balance Sheet Figures in ₹ crore unless the row name gives another unit. | Item | Mar 2011 | Mar 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2024 | Mar 2025 | Mar 2026 | | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | | Equity Capital | 0.05 | 0.05 | 0.05 | 1 | 1 | 2 | 2 | 3 | — | 3 | 3 | 3 | | Reserves | 3 | 4 | 6 | 936 | 1,134 | 1,411 | 1,666 | 2,906 | — | 4,210 | 4,223 | 4,564 | | Borrowing | 0 | 0 | 88 | 902 | 2,970 | 4,138 | 5,661 | 5,605 | — | 6,069 | 3,487 | 3,971 | | Other Liabilities | 0 | 0 | 1 | 16 | 102 | 140 | 37 | 48 | — | 53 | 48 | 41 | | Total Liabilities | 4 | 4 | 95 | 1,856 | 4,207 | 5,691 | 7,366 | 8,563 | — | 10,334 | 7,761 | 8,578 | | Fixed Assets | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | — | 21 | 13 | 12 | | CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — | 0 | 0 | 0 | | Investments | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 295 | — | 1,776 | 3,662 | 4,851 | | Other Assets | 1 | 0 | 95 | 1,856 | 4,206 | 5,690 | 7,366 | 8,266 | — | 8,538 | 4,086 | 3,715 | | Total Assets | 4 | 4 | 95 | 1,856 | 4,207 | 5,691 | 7,366 | 8,563 | — | 10,334 | 7,761 | 8,578 | ### Cash Flow Figures in ₹ crore unless the row name gives another unit. | Item | Mar 2011 | Mar 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2024 | Mar 2025 | Mar 2026 | | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | | Cash from Operating Activity | 0 | 0 | -91 | -1,705 | -1,970 | -1,270 | -1,318 | -432 | — | 2,042 | 3,219 | 581 | | Cash from Investing Activity | 1 | -1 | 4 | 9 | 1 | 1 | 2 | -286 | — | -602 | -1,823 | -966 | | Cash from Financing Activity | 0 | 0 | 88 | 1,697 | 2,068 | 1,169 | 1,433 | 778 | — | -207 | -2,564 | 306 | | Net Cash Flow | 1 | -1 | 1 | 1 | 99 | -100 | 117 | 60 | — | 1,233 | -1,168 | -79 | | Free Cash Flow | 0 | 0 | -91 | -1,700 | -1,970 | -1,271 | -1,318 | -432 | — | 2,037 | 3,217 | 576 | ### Ratios | Item | Mar 2011 | Mar 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2024 | Mar 2025 | Mar 2026 | | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | | ROE % | 3% | 3% | 28% | 10% | 19% | 22% | 20% | 18% | — | 1% | 0% | 10% | ## Shareholding Pattern Not shown: Shareholding Pattern. Not this company's figures: left behind by an earlier update and not confirmed by the latest one. ## Documents ### Credit ratings | Date | Document | | --- | --- | | 7 Sep 2026 | [Credit rating update — India Ratings](https://www.indiaratings.co.in/pressrelease/85141) | | 28 Aug 2026 | [Credit rating update — CRISIL](https://www.crisil.com/mnt/winshare/Ratings/RatingList/RatingDocs/JMFinancialCreditSolutionsLimited_August%2028_%202026_RR_402858.html) | | 6 Feb 2026 | [Credit rating update — ICRA](https://www.icra.in/Rationale/ShowRationaleReport/?Id=140792) | | 31 Dec 2025 | [Credit rating update — ICRA](https://www.icra.in/Rationale/ShowRationaleReport/?Id=140079) | | 15 Sep 2025 | [Credit rating update — India Ratings](https://www.indiaratings.co.in/pressrelease/79201) | | 3 Jan 2025 | [Credit rating update — ICRA](https://www.icra.in/Rationale/ShowRationaleReport/?Id=132256) | | 16 Sep 2024 | [Credit rating update — India Ratings](https://www.indiaratings.co.in/pressrelease/72578) | | 15 Jul 2024 | [Credit rating update — ICRA](https://www.icra.in/Rationale/ShowRationaleReport/?Id=128790) | ## Frequently Asked Questions about JM Financial Credit Solutions ### What does JM Financial Credit Solutions Ltd do? JM Financial Credit Solutions is engaged in the business of Non- Banking Financial Institution. ### Where is JM Financial Credit Solutions Ltd (508815) listed? JM Financial Credit Solutions Ltd trades under code 508815 on the BSE. ## Company Information JM Financial Credit Solutions is engaged in the business of Non- Banking Financial Institution. - **Website:** https://fics.in/ - **Face Value:** ₹10 --- Negative figures use an ASCII hyphen-minus (-) so they parse as numbers. Amounts are in Indian rupees; "Cr" is crore (10 million). Dates are Indian Standard Time. Financial statements, shareholding and filings are as reported by the company. Price, volume and 52-week levels are market data. Technical indicators are computed by Tapetide from daily prices. The Tapetide Score is Tapetide’s own analysis. Analyst ratings and forecasts are the published estimates of third-party analysts, not company statements. The AI sections are generated text. For research and information only, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser. Generated 5 Nov 2026, 07:15 IST.