Jayabharat Credit
JAYABHARATCREDITLTD NSE
Jayabharat Credit
Financial ServicesNSE: JAYABHARATCREDITLTD BSE: 501311 NBFC
Key Fundamentals
MicrocapNBFCFinancial ServicesMarket Cap
₹7.10 Cr
Volatility
Moderate
P/E Ratio
-6.6
EBITDA
₹-1.07 Cr
Return on Equity
1.66%
Debt to Equity
0
Book Value
₹-123.86
EPS
₹0
52W High
₹33.07
52W Low
₹10.66
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Weaknesses
2- Company has low interest coverage ratio.
- Promoter holding is low: 15.2%
Growth Rate
Revenue Growth
-100% level than
3Y
Net Income Growth
7% lower than
3Y
Cash Flow Change
-33% higher than
3Y
ROE
-6.74% lower than
3Y
ROCE
-14.61% lower than
3Y
EBITDA Margin (Avg.)
-100% level than
3Y
Quarterly Results
| Particulars | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Expenses | 0.31 | 0.18 | 0.24 | 0.43 | 0.22 | 0.21 | 0.23 | 0.31 | 0.27 | 0.24 | 0.27 | 0.28 | 0.27 |
| Financing Profit | -0.31 | -0.18 | -0.24 | -0.43 | -0.22 | -0.21 | -0.23 | -0.31 | -0.27 | -0.24 | -0.27 | -0.28 | -0.27 |
| Other Income | 0 | 0 | 0.1 | 0.01 | 0 | 0 | 0 | 0.05 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | -0.31 | -0.18 | -0.14 | -0.43 | -0.22 | -0.21 | -0.23 | -0.26 | -0.27 | -0.24 | -0.27 | -0.28 | -0.27 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 30.77% | 0% | 0% | 0% | 0% | 0% |
| Net Profit | -0.31 | -0.18 | -0.14 | -0.43 | -0.22 | -0.21 | -0.23 | -0.34 | -0.27 | -0.24 | -0.28 | -0.28 | -0.27 |
| EPS in Rs | -0.62 | -0.36 | -0.28 | -0.86 | -0.44 | -0.42 | -0.46 | -0.68 | -0.54 | -0.48 | -0.56 | -0.56 | -0.54 |
Profit & Loss
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0.65 | 0 | 0.65 | 0 | 0.01 | 0 | 0 | 0 | 0 | 0.01 | 0.05 | 0 | 0 |
| Expenses | 1.24 | 2.5 | 1.2 | 1.31 | 60.7 | 1.14 | 1.07 | 0.88 | 1.17 | 1.17 | 0.98 | 1.07 | 1.06 |
| Financing Profit | -3.77 | -3.8 | -1.78 | -1.77 | -60.69 | -1.14 | -1.07 | -0.88 | -1.47 | -1.16 | -0.93 | -1.07 | -1.06 |
| Fin. Margin % | -580% | — | -273.85% | — | -606900% | — | — | — | — | -11600% | -1860% | — | — |
| Other Income | 1.57 | 0.43 | 0 | 0.21 | 0.06 | 0 | 0.3 | 0.02 | 0.87 | 0.1 | 0.01 | 0 | 0 |
| Interest | 3.18 | 1.3 | 1.23 | 0.46 | 0 | 0 | 0 | 0 | 0.3 | 0 | 0 | 0 | 0 |
| Depreciation | 0.05 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0 | 0.01 | 0.01 | 0 | 0 |
| PBT | -2.25 | -3.39 | -1.8 | -1.57 | -60.64 | -1.15 | -0.78 | -0.87 | -0.6 | -1.07 | -0.93 | -1.07 | -1.06 |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 148.33% | 0% | 8.6% | 0% | — |
| Net Profit | -2.25 | -3.39 | -1.8 | -1.57 | -60.64 | -1.15 | -0.78 | -0.87 | -1.5 | -1.06 | -1.01 | -1.07 | -1.07 |
| EPS in Rs | -4.5 | -6.78 | -3.6 | -3.14 | -121 | -2.3 | -1.56 | -1.74 | -3 | -2.12 | -2.02 | -2.14 | -2.14 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
| Reserves | 7.91 | 4.51 | 2.72 | 1.15 | -59.49 | -60.64 | -61.42 | -62.29 | -63.79 | -64.85 | -65.86 | -66.93 |
| Borrowing | 47.38 | 49.21 | 51.55 | 53.77 | 0 | 56.28 | 56.94 | 58.01 | 58.08 | 59.09 | 60.46 | 61.43 |
| Other Liabilities | 2.88 | 2.71 | 1.19 | 0.51 | 55.58 | 0.44 | 0.54 | 0.32 | 0.76 | 0.8 | 0.56 | 0.53 |
| Total Liabilities | 63.17 | 61.43 | 60.46 | 60.43 | 1.09 | 1.08 | 1.06 | 1.04 | 0.05 | 0.04 | 0.16 | 0.03 |
| Fixed Assets | 0.37 | 0.33 | 0.31 | 0.3 | 0.29 | 0.28 | 0.27 | 0.27 | 0 | 0.01 | 0.01 | 0 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 62.78 | 61.08 | 60.13 | 60.11 | 0.78 | 0.78 | 0.77 | 0.77 | 0.05 | 0.03 | 0.15 | 0.03 |
| Total Assets | 63.17 | 61.43 | 60.46 | 60.43 | 1.09 | 1.08 | 1.06 | 1.04 | 0.05 | 0.04 | 0.16 | 0.03 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -1.28 | 0 | -0.3 | -1.29 | -1.47 | -1.06 | -0.66 | -1.07 | -0.67 | -1 | -1.33 | -1.01 |
| Investing | 0.97 | 0 | 0 | 0 | -0.01 | 0 | 0 | 0 | 0.91 | -0.02 | 0 | 0 |
| Financing | 0.26 | 0 | 0.41 | 1.42 | 1.45 | 1.06 | 0.65 | 1.08 | -0.23 | 1 | 1.38 | 0.96 |
| Net Cash Flow | -0.05 | 0 | 0.11 | 0.14 | -0.03 | 0 | -0.01 | 0.02 | 0.01 | -0.02 | 0.04 | -0.05 |
| Free Cash Flow | -0.41 | 0 | -0.3 | -1.29 | -1.47 | -1.06 | -0.66 | -1.07 | 0.2 | -1.02 | -1.33 | -1.01 |
| CFO/OP | 217 | 0 | 55 | 98 | 2 | 93 | 62 | 122 | 57 | 86 | 134 | 94 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | -21.14% | -33.01% | -20.89% | -22.64% | — | — | — | — | — | — | — | — |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Jayabharat Credit insights
49 extracted metrics + investor summaries across FY10–FY26.
Documents
1
Board Meeting Intimation for Board Meeting To Be Held On Wednesday 20Th May, 2026
5 May - Board meeting on 20 May 2026 to approve audited FY2026 and Q4 results. 5 May - Board meeting on 20 May 2026 to approve audited FY2026 and Q4 results.
2
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
13 Apr - Regulation 74(5) certificate filed for quarter ended 31 March 2026. 13 Apr - Regulation 74(5) certificate filed for quarter ended 31 March 2026.
5
Board Meeting Outcome for Board Meeting Outcome For Outcome Of The 04/2025-26 Meeting Of Board Of The Company Held On Thursday, 12Th February, 2026 At The Registered Office Of The Company As Per Regulation 30 Of SEBI (LODR) Regulations, 2015.
12 Feb - Board approved standalone unaudited results for quarter and nine months ended 31 Dec 2025; limited review enclosed. 12 Feb - Board approved standalone unaudited results for quarter and nine months ended 31 Dec 2025; limited review enclosed.
Frequently Asked Questions about Jayabharat Credit
What does Jayabharat Credit Ltd do?
Incorporated in 1943, Jayabharat Credit
Ltd was in the business of Hire Purchase
and leasing[1]
Where is Jayabharat Credit Ltd (501311) listed?
Jayabharat Credit Ltd trades as JAYABHARATCREDITLTD on the NSE and under code 501311 on the BSE.
Which sector does Jayabharat Credit Ltd belong to?
Jayabharat Credit Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Jayabharat Credit Ltd?
Jayabharat Credit Ltd has a market capitalisation of ₹7.1 Cr, which places it in the Small Cap band.
What is the PE ratio of Jayabharat Credit Ltd?
Jayabharat Credit Ltd trades at a PE ratio of -6.60, on earnings per share of ₹0, against a book value of ₹-123.86 per share.
What is the 52-week high and low of Jayabharat Credit Ltd?
Over the last 52 weeks Jayabharat Credit Ltd has traded between ₹10.66 and ₹33.07.
What is the Return on Equity (ROE) of Jayabharat Credit Ltd?
Jayabharat Credit Ltd reported a return on equity of 1.66%. Its debt-to-equity ratio is 0.00.
Company Information
Incorporated in 1943, Jayabharat Credit Ltd was in the business of Hire Purchase and leasing[1]
Website jayabharat.com
Face Value ₹ 10
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