---
title: "Universal Credit & Securities Ltd (531963) — Share Price, Financials & Analysis"
symbol: "531963"
company: "Universal Credit & Securities Ltd"
canonical: "https://tapetide.com/stocks/531963"
isin: "INE607F01039"
bse_code: "531963"
sector: "Services"
industry: "Commercial Services & Supplies"
generated_at: "2026-10-13T10:58:23.609Z"
---

# Universal Credit & Securities Ltd (531963)

Canonical page: https://tapetide.com/stocks/531963

## Company

- **BSE Code:** 531963
- **ISIN:** INE607F01039
- **Sector:** Services
- **Industry:** Commercial Services & Supplies
- **Macro Sector:** Services
- **Stock Type:** EQUITY
- **Listed Since:** 2013-10-29
- **Face Value:** ₹1
- **F&O Eligible:** No
- **Website:** universalcreditltd.com

## About

Universal Credit & Securities is engaged in the business of presently engaged in Misc. trading activities.

## Latest Price

## Key Insights

### Strengths

- Company is almost debt free.
- Stock is trading at 1.19 times its book value

### Weaknesses

- Company has a low return on equity of -0.06% over last 3 years.
- Company has high debtors of 200 days.

## Growth Rates

| Metric | 1Y | 3Y | 5Y |
| --- | --- | --- | --- |
| net income growth | -133% | — | — |
| revenue growth | 4% | 46% | 75% |

## Financial Statements

### Quarterly Results

All figures in ₹ crore unless the row name says otherwise.

| Item | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Sales | 0.45 | 0.3 | 0.3 | 0.33 | 0.51 | 0.85 | 0.96 | 0.62 | 0.81 | 0.79 | 0.74 | 0.72 |
| Expenses | 0.47 | 0.28 | 0.3 | 0.33 | 0.48 | 0.78 | 0.86 | 0.78 | 0.78 | 0.8 | 0.75 | 0.73 |
| Operating Profit | -0.02 | 0.02 | 0 | 0 | 0.03 | 0.07 | 0.1 | -0.16 | 0.03 | -0.01 | -0.01 | -0.01 |
| OPM % | -4.44 | 6.67 | 0 | 0 | 5.88 | 8.24 | 10.42 | -25.81 | 3.7 | -1.27 | -1.35 | -1.39 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | -0.02 | 0.02 | 0 | 0 | 0.03 | 0.07 | 0.1 | -0.16 | 0.03 | -0.01 | -0.01 | -0.01 |
| Tax % | 0 | 0 | — | — | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Profit | -0.02 | 0.02 | 0 | 0 | 0.03 | 0.06 | 0.1 | -0.16 | 0.03 | -0.01 | -0.02 | -0.01 |
| EPS in Rs | 0 | 0 | 0 | 0 | 0 | 0.01 | 0.02 | -0.03 | 0.01 | 0 | 0 | 0 |

### Profit & Loss

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | TTM |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Sales | 0.36 | 0.25 | 0.16 | 0.18 | 0.21 | 0.95 | 1.79 | 1.38 | 2.95 | 3.06 |
| Expenses | 0.31 | 0.17 | 0.15 | 0.2 | 0.18 | 0.9 | 1.79 | 1.37 | 2.95 | 3.06 |
| Operating Profit | 0.05 | 0.08 | 0.01 | -0.02 | 0.03 | 0.05 | 0 | 0.01 | 0 | 0 |
| OPM % | 13.89 | 32 | 6.25 | -11.11 | 14.29 | 5.26 | 0 | 0.72 | 0 | 0 |
| Other Income | 0 | -0.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0 | 0 | 0 |
| Profit before tax | 0.04 | 0.06 | 0 | -0.03 | 0.02 | 0.04 | -0.01 | 0.01 | 0 | 0 |
| Tax % | 25 | 0 | — | 0 | 50 | 25 | 0 | 0 | — | — |
| Net Profit | 0.03 | 0.06 | 0.01 | -0.02 | 0.01 | 0.03 | -0.01 | 0 | 0 | -0.01 |
| EPS in Rs | 0 | 0.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01 |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — | — | — |

### Balance Sheet

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Equity Capital | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
| Reserves | 0.57 | 0.6 | 0.66 | 0.66 | 0.64 | 0.66 | 0.69 | 0.69 | 0.69 | 0.69 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0.2 | 0.23 | 0.03 | 0 | 0 |
| Other Liabilities | 0.09 | 0.24 | 1.09 | 2.23 | 2.17 | 2.26 | 2.44 | 2.16 | 2.22 | 2.2 |
| Total Liabilities | 5.66 | 5.84 | 6.75 | 7.89 | 7.81 | 8.12 | 8.36 | 7.88 | 7.91 | 7.89 |
| Fixed Assets | 0.14 | 0.13 | 0.12 | 0.12 | 0.11 | 0.11 | 0.1 | 0.09 | 0.09 | 0.09 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2.49 | 2.33 | 3.86 | 4.57 | 4.57 | 4.67 | 4.67 | 4.67 | 4.67 | 4.67 |
| Other Assets | 3.03 | 3.38 | 2.77 | 3.2 | 3.13 | 3.34 | 3.59 | 3.12 | 3.15 | 3.13 |
| Total Assets | 5.66 | 5.84 | 6.75 | 7.89 | 7.81 | 8.12 | 8.36 | 7.88 | 7.91 | 7.89 |

### Cash Flow

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Cash from Operating Activity | -0.84 | -0.04 | 1.73 | 0.82 | 0.1 | -0.01 | -0.05 | 0 | 0 | 0 |
| Cash from Investing Activity | 0.45 | 0.17 | -1.54 | -0.71 | 0 | -0.17 | -0.01 | 0 | 0 | 0 |
| Cash from Financing Activity | 0 | 0 | 0 | 0 | 0 | 0.19 | 0.02 | 0 | 0 | 0 |
| Net Cash Flow | -0.39 | 0.13 | 0.19 | 0.11 | 0.1 | 0.01 | -0.04 | 0 | 0 | 0 |
| Free Cash Flow | -0.84 | -0.04 | 1.73 | 0.82 | 0.1 | -0.01 | -0.05 | 0 | 0 | 0 |
| CFO/OP | -1660 | -60 | 2175 | 8200 | -500 | -33 | -80 | — | 0 | — |

### Ratios

| Item | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Debtor Days | 81.42 | 314.31 | 58.4 | 3034.06 | 2413.06 | 2311.67 | 618.58 | 269.16 | 433.77 | 200.44 |
| Inventory Days | 33.18 | 192.11 | — | — | 0 | — | 0 | 0 | 0 | 0 |
| Days Payable | 19.91 | 422.63 | — | — | — | — | — | — | — | — |
| Cash Conversion Cycle | 94.7 | 83.78 | 58.4 | 3034.06 | 2413.06 | 2311.67 | 618.58 | 269.16 | 433.77 | 200.44 |
| Working Capital Days | 805.81 | 2990.97 | -1533 | -2030.31 | -1966.94 | -1946.67 | -407.26 | -177.4 | -153.41 | -71.76 |
| ROCE % | 0.72 | 0.72 | 1.07 | 0 | -0.53 | 0.35 | 0.68 | -0.17 | 0.18 | 0 |

## Shareholding Pattern

### annual

| Category | Mar 2017 | Mar 2018 | Mar 2019 |
| --- | --- | --- | --- |
| Promoters | 1.63% | 1.63% | 1.63% |
| Public | 98.37% | 98.37% | 98.37% |
| No. of Shareholders | 414 | 3532 | 3532 |

### Quarterly

| Category | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Promoters | 1.63% | 1.63% | 1.63% | 1.63% | 1.63% | 1.63% | 1.63% | 1.63% | 1.63% | 1.63% | 1.63% | 1.63% |
| Public | 98.37% | 98.37% | 98.37% | 98.37% | 98.37% | 98.37% | 98.37% | 98.37% | 98.37% | 98.37% | 98.37% | 98.37% |
| No. of Shareholders | 422 | 434 | 431 | 414 | 413 | 467 | 2527 | 3532 | 3532 | 3532 | 3532 | 3532 |

## Filings & Documents

### Other Documents

| Date | Document |
| --- | --- |
| 2019-05-31 | [Financial Results March 2019](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=85d487fc-5116-49ae-b59d-7cca95852a1d.pdf) |
| 2019-05-31 | [Financial Results March 2019](https://www.bseindia.com/xml-data/corpfiling/AttachHis/85d487fc-5116-49ae-b59d-7cca95852a1d.pdf) |
| 2019-05-16 | [March 2019](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=89d14dbf-4bc2-4d03-8461-470223e3211c.pdf) |
| 2019-05-16 | [March 2019](https://www.bseindia.com/xml-data/corpfiling/AttachHis/89d14dbf-4bc2-4d03-8461-470223e3211c.pdf) |

### Annual Reports

| Date | Document |
| --- | --- |
| Mar 2018 | [Annual Report 2018](https://www.bseindia.com/bseplus/AnnualReport/531963/5319630318.pdf) |
| Mar 2017 | [Annual Report 2017](https://www.bseindia.com/bseplus/AnnualReport/531963/5319630317.pdf) |
| Mar 2016 | [Annual Report 2016](https://www.bseindia.com/bseplus/AnnualReport/531963/5319630316.pdf) |
| Mar 2015 | [Annual Report 2015](https://www.bseindia.com/bseplus/AnnualReport/531963/5319630315.pdf) |
| Mar 2014 | [Annual Report 2014](https://www.bseindia.com/bseplus/AnnualReport/531963/5319630314.pdf) |
| Mar 2013 | [Annual Report 2013](https://www.bseindia.com/bseplus/AnnualReport/531963/5319630313.pdf) |
| Mar 2012 | [Annual Report 2012](https://www.bseindia.com/bseplus/AnnualReport/531963/5319630312.pdf) |
| Mar 2011 | [Annual Report 2011](https://www.bseindia.com/bseplus/AnnualReport/531963/5319630311.pdf) |
| 2011 | [Financial Year 2011](https://archives.nseindia.com/annual_reports/AR_KITPLYIND_2010_2011_08082011061115.zip) |
| Mar 2010 | [Annual Report 2010](https://www.bseindia.com/bseplus/AnnualReport/531963/5319630310.pdf) |

---

Provenance differs by section. Financial statements, shareholding and filings are as reported in company disclosures to NSE/BSE/SEBI. Price, volume and 52-week levels are exchange market data. Technical indicators are computed by Tapetide from daily closing prices. The Tapetide Score is Tapetide's own analysis. Analyst ratings are third-party estimates, not company statements. All figures are for research and information only and are not investment advice. Generated 2026-10-13T10:58:23.609Z.