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SMC Credits

532138 BSE
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MCP

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Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures · EPS basis: Standalone · TTM

Debt to Equity
0.01
EPS (TTM)
₹6.13
Book Value
₹387.83
Market Cap
—
P/E (TTM)
—
P/B
—
ROE
2.68%
Dividend Yield
0.00%
52W High
—
52W Low
—
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Key Insights

Strengths

3
  • Company has reduced debt.
  • Company is almost debt free.
  • Company has delivered good profit growth of 48.1% CAGR over last 5 years

Weaknesses

1
  • Company has a low return on equity of 1.42% over last 3 years.

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+26.20%
5Y+59.27%
3Y+101.65%
1Y+127.78%
TTM−8.96%

Net profit

Net profit growth by window
10Y+20.77%
5Y+52.51%
3Y+48.88%
1Y+153.85%
TTM−53.94%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹2.00 Cr
Mar 2018₹2.00 Cr
Mar 2019₹3.00 Cr
Mar 2020₹6.00 Cr
Mar 2021₹4.00 Cr
Mar 2022₹4.00 Cr
Mar 2023₹5.00 Cr
Mar 2024₹8.00 Cr
Mar 2025₹18.00 Cr
Mar 2026₹41.00 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹2.00 Cr
Mar 2018₹3.00 Cr
Mar 2019₹2.00 Cr
Mar 2020₹3.00 Cr
Mar 2021₹4.00 Cr
Mar 2022₹3.00 Cr
Mar 2023₹10.00 Cr
Mar 2024₹3.00 Cr
Mar 2025₹13.00 Cr
Mar 2026₹33.00 Cr

Quarterly Results

₹ Cr
532138 quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
0.65
3.35
3.79
0.47
2.02
8
1.99
3.3
10.47
8.8
4.22
1.95
6.66
Expenses
0.15
0.33
0.36
0.4
0.32
0.99
0.3
0.55
0.25
0.36
0.53
0.84
0.47
Financing Profit
0.11
2.64
3.08
−0.28
1.36
6.63
1.43
2.5
10.02
8.35
3.59
0.98
6.01
Fin. Margin %
16.92%
78.81%
81.27%
−59.57%
67.33%
82.88%
71.86%
75.76%
95.7%
94.89%
85.07%
50.26%
90.24%
Other Income
0.2
0.2
0.2
0.2
0.2
0.21
2.1
1.19
15.67
0.42
0.89
0.04
0.51
Interest
0.39
0.38
0.35
0.35
0.34
0.38
0.26
0.25
0.2
0.09
0.1
0.13
0.18
Depreciation
0.01
0
0.01
0.02
0.01
0
0.01
0.02
0.01
0.01
0.01
0.02
0.01
PBT
0.3
2.84
3.27
−0.1
1.55
6.84
3.52
3.67
25.68
8.76
4.47
1
6.51
Tax %
13.33%
26.76%
21.41%
1740%
20.65%
24.56%
22.44%
7.36%
14.06%
−5.14%
4.47%
400%
25.04%
Net Profit
0.27
2.07
2.57
−1.84
1.24
5.16
2.73
3.39
22.07
9.21
4.27
−3
4.88
EPS (₹)
0.11
0.83
1.03
−0.73
0.49
2.06
1.09
1.35
8.81
3.68
1.7
−1.2
1.95

Profit & Loss

₹ Cr
532138 profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
4
4
2
2
3
6
4
4
5
8
18
41
22
Expenses
0
0
0
0
1
1
1
0
1
1
2
2
2
Financing Profit
4
4
2
2
1
3
2
2
2
6
15
38
19
Fin. Margin %
93%
93%
81%
86%
47%
46%
49%
56%
42%
67%
81%
94%
88%
Other Income
1
1
1
1
1
1
1
1
10
1
1
2
2
Interest
0
0
0
0
1
2
1
2
2
1
1
1
0
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
5
5
3
3
2
3
3
3
12
6
16
40
21
Tax %
4%
5%
13%
10%
4%
6%
−50%
22%
13%
51%
20%
18%
—
Net Profit
5
5
2
3
2
3
4
3
10
3
13
33
15
EPS (₹)
1.81
1.88
0.9
1.05
0.94
1.27
1.79
1.03
4.08
1.23
5
12.99
6.13
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
532138 balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
10
10
10
10
10
10
10
10
25
25
25
25
Reserves
17
21
24
26
359
248
481
490
947
1,037
1,217
1,128
Borrowing
0
0
0
0
22
26
21
22
21
18
14
8
Other Liabilities
0
0
0
0
0
0
0
0
1
1
5
3
Total Liabilities
27
31
34
36
392
283
512
523
993
1,081
1,261
1,164
Fixed Assets
2
2
2
2
2
2
2
2
2
2
2
1
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
21
21
24
23
354
238
468
474
939
1,043
1,232
1,129
Other Assets
4
8
8
11
36
43
42
46
53
36
28
34
Total Assets
27
31
34
36
392
283
512
523
993
1,081
1,261
1,164

Cash Flow

₹ Cr
532138 cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
3
1
—
0
−1
4
−4
0
2
9
23
0
Investing
−4
−1
—
1
−1
1
−2
1
−9
−17
−25
3
Financing
0
0
—
0
0
0
0
0
15
0
0
0
Net Cash Flow
0
0
—
1
−1
5
−5
1
8
−8
−1
3
Free Cash Flow
3
1
—
0
−1
4
−4
0
12
9
23
1
CFO/OP
87
32
—
25
−17
93
−86
14
97
161
147
10

Ratios

532138 financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
19%
16%
7%
8%
1%
1%
1%
1%
0%
0%
1%
3%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view SMC Credits insights

45 extracted metrics across FY05–FY27.

Shareholding Pattern

As of Sep 2026

  • Others 69.01%
  • Promoters 22.99%
  • Public 8.01%

Pledge data not available

Change vs previous quarter

Documents

Frequently Asked Questions about SMC Credits

What does SMC Credits Ltd do?
SMC Credits is engaged in the business of Non-banking financial activities, duly registered with the Reserve Bank of India. The Company is not accepting public deposits.
Where is SMC Credits Ltd (SMCREDT) listed?
SMC Credits Ltd trades under code 532138 on the BSE.
Which sector does SMC Credits Ltd belong to?
SMC Credits Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the Return on Equity (ROE) of SMC Credits Ltd?
SMC Credits Ltd reported a return on equity of 2.68%. Its debt-to-equity ratio is 0.01.

Company Information

SMC Credits is engaged in the business of Non-banking financial activities, duly registered with the Reserve Bank of India. The Company is not accepting public deposits.

Website smccredits.com
Face Value ₹10

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