Unlisted Shares
ICL Fincorp Limited Unlisted Shares
ICL Fincorp Limited (Unlisted)
Verified Unlisted CompanyOff-market Transfer · NSDL / CDSL
About ICL Fincorp Limited Unlisted Shares
ICL Fincorp Limited is a Non-Banking Financial Company (NBFC) registered with RBI, primarily engaged in providing loans and advances, investment in securities, and other financial services. The company focuses on retail and SME lending with strong asset quality (NPA below 2%).
Share Details
| company Name | ICL Fincorp Limited (Unlisted) |
| indicative Unlisted Share Price | ₹32 |
| market Capitalization | ₹175 Crore |
| lot Size | 1000 |
| 52 Week High | ₹26 |
| 52 Week Low | ₹25 |
| face Value | ₹10 |
| book Value | 17.13 |
| pe Ratio | 71.43 |
| pb Ratio | 1.46 |
| debt To Equity | 4.59 |
| return On Equity | 2.04 |
| total Outstanding Shares | 69823055 |
| isin | INE191T01013 |
| depository | NSDL & CDSL |
| pan | AAAC17860C |
| cin | U65191TN1991PLC021815 |
| rta | M/s Cameo Corporate Services |
Income Statement (Profit & Loss) (₹ in Crore)
| Particulars | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Interest Earned | 8,737 | 11,219 | 14,318 | 19,002 |
| Other Income | 206 | 45 | 256 | 166 |
| Interest Expended | 5,873 | 4,706 | 5,870 | 7,175 |
| Operating Expenses | 4,699 | 6,068 | 8,701 | 10,149 |
| Provisions and Contingencies | -1.64 | 67 | 90 | -186 |
| PBT | 271 | 304 | 8 | 214 |
| PAT | 271 | 304 | 8 | 214 |
| EPS | 0.81 | 0.84 | 0.02 | 0.42 |
Key Financial Ratios (Last 3–5 Years)
| Ratio | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Gross NPA (%) | 1.9 | 3.52 | 1.39 | 0.88 |
| Advances | 35,984 | 40,284 | 47,627 | 65,718 |
| Book Value | 19.27 | 19.27 | 19.48 | 20.14 |
| P/B | 1.42 | 1.45 | 1.35 | 1.27 |
| ROE (%) | 3.35 | 3.33 | 0.08 | 2.04 |
Financial Annual Report Summary
ICL Fincorp has shown consistent growth in interest income and profitability. The company maintains healthy asset quality with low NPAs and is expanding its lending book.
Why Invest in ICL Fincorp Limited
- Strong growth in loan book (Advances).
- Healthy interest margins and controlled NPAs.
- Consistent profitability with improvement in FY25.
- Debt to Equity at 4.59 (typical for NBFC).
Balance Sheet - Assets (₹ in Crore)
| Item | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Fixed Assets | 2,058 | 3,525 | 4,702 | 4,773 |
| Cash and Balances | 1,626 | 1,811 | 2,702 | 4,988 |
| Investments | 412 | 671 | 869 | 1,869 |
| Advances | 35,984 | 40,284 | 47,627 | 65,718 |
| Other Assets | 5,698 | 7,225 | 8,585 | 7,970 |
| Total Assets | 45,684 | 52,786 | 63,715 | 85,201 |
Balance Sheet - Liabilities & Equity (₹ in Crore)
| Item | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Share Capital | 6,431 | 6,979 | 6,979 | 6,979 |
| FV | 10 | 10 | 10 | 10 |
| Reserves | 3,685 | 4,794 | 4,720 | 6,133 |
| Borrowings | 29,627 | 36,145 | 42,398 | 54,888 |
| Deposits | 0 | 0 | 0 | 0 |
| Other Liabilities | 8,939 | 9,868 | 11,718 | 14,201 |
| Total Liabilities | 45,684 | 52,786 | 63,715 | 85,201 |
Liabilities Breakdown & Balance Sheet Insights
Balance Sheet Insights
Healthy growth in loan book (Advances) and borrowings. Strong capital adequacy with improving reserves.
Liabilities Breakdown
Debt to Equity ratio of 4.59 (typical for NBFC lending business).
Additional Insights
Strong asset growth driven by lending book expansion. Debt-funded growth with good asset quality.
Cash Flow Insights
- Negative operating cash flow due to lending book expansion (typical for NBFCs).
- Funded through borrowings and equity.
Shareholding Pattern
Recent
Promoter: Not Available
Institutional: Not Available
Public: Not Available
Promoters & Management
Promoter-led NBFC with experienced management in financial services.
Key Management
Not Available on page
Registrar & Transfer Agent (RTA)
Registrar: M/s Cameo Corporate Services
Website: https://cameoindia.com/
Management Analysis
Focus on expanding retail & SME lending portfolio while maintaining low NPAs.
Frequently Asked Questions About ICL Fincorp Limited Unlisted Shares
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