Unlisted Shares
Maxvalue Credits and Investments Limited
Maxvalue Credits and Investments Limited (Unlisted)
Verified Unlisted CompanyOff-market Transfer · NSDL / CDSL
About Maxvalue Credits and Investments Limited
Maxvalue Credits and Investments Limited is a Non-Banking Financial Company (NBFC) focused on retail and small-ticket lending, primarily across southern India (Kerala, Karnataka). The company offers diversified loan products including Gold Loans, Auto/Vehicle Loans, Trader & MSME Loans, and Microfinance Loans. It also provides investment products in the form of secured Non-Convertible Redeemable Debentures (NCDs) and Subordinated Debt.
Share Details
| company Name | Maxvalue Credits and Investments Limited (Unlisted) |
| indicative Unlisted Share Price | ₹8 |
| market Capitalization | ₹198 Crore |
| lot Size | 5000 Shares |
| 52 Week High | ₹8 |
| 52 Week Low | ₹8 |
| face Value | ₹10 |
| book Value | 3.6 |
| pe Ratio | 54.55 |
| pb Ratio | 1.82 |
| debt To Equity | 2.57 |
| return On Equity | 3.6 |
| total Outstanding Shares | Not Available |
| isin | INE040401023 |
| depository | NSDL & CDSL |
| pan | AAACT8550D |
| cin | U65921KL1995PLC009581 |
| rta | Link Intime |
Income Statement (Profit & Loss) (₹ in Crore)
| Particulars | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Revenue | 153 | 150 | 125 | 98 |
| EBITDA | 59 | 54 | 58 | 39.8 |
| PBT | -37 | -15.3 | 10 | 3.7 |
| Net Profit / Loss (PAT) | -37 | -21 | 10 | 3.7 |
| EPS | -2.38 | -0.84 | 0.28 | 0.1 |
Key Financial Ratios (Last 3–5 Years)
| Ratio | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Operating Profit Margin (%) | 38.56 | 36 | 46.4 | 39.8 |
| Net Profit Margin (%) | -24.18 | -14 | 8 | 3.81 |
| Earning Per Share (Diluted) | -2.38 | -0.84 | 0.28 | 0.1 |
Financial Annual Report Summary
The company has shifted focus from aggressive growth to risk containment. Revenue has declined in recent years while maintaining profitability. Strong emphasis on secured lending (Gold Loans now ~50% of portfolio) with controlled costs.
Why Invest in Maxvalue Credits and
- Shift to safer gold loan portfolio (~50% of AUM).
- Turned profitable in FY24 after previous losses.
- High Debt to Equity typical for NBFC.
- Focus on risk containment over aggressive growth.
Balance Sheet - Assets (₹ in Crore)
| Item | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Fixed Assets | 30 | 28.6 | 28 | 26 |
| Investments | 0 | 0 | 0 | 0 |
| Other Assets | 815 | 834.4 | 489 | 436 |
| Total Assets | 845 | 863 | 517 | 462 |
Balance Sheet - Liabilities & Equity (₹ in Crore)
| Item | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Share Capital | 155.77 | 184.75 | 176.75 | 178.75 |
| Reserves | -67 | -89 | -78 | -75 |
| Borrowings | 448 | 185 | 225 | 267 |
| Other Liabilities | 309.23 | 582.25 | 193.25 | 92.25 |
| Total Liabilities | 845 | 863 | 517 | 462 |
Liabilities Breakdown & Balance Sheet Insights
Balance Sheet Insights
Debt to Equity ratio of 2.57. Shrinking loan book with focus on asset quality.
Liabilities Breakdown
Debt to Equity ratio of 2.57 (typical for NBFC).
Additional Insights
Conservative approach with focus on secured lending and capital adequacy.
Cash Flow Insights
- Fluctuating cash flows due to changes in lending book.
- Cost control measures visible in operations.
Shareholding Pattern
Recent
Promoter: Not Available
Institutional: Not Available
Public: Not Available
Promoters & Management
Professional management with focus on southern India retail lending.
Key Management
Not Available on page
Registrar & Transfer Agent (RTA)
Registrar: Link Intime
Website: https://linkintime.co.in/
Management Analysis
Strategic shift towards secured lending (Gold Loans) and risk containment while maintaining strong capital buffers.
Frequently Asked Questions About Maxvalue Credits and Investments Limited
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