Key Financials Snapshot

TTM · Standalone · ₹ in Cr
Market Cap
₹10 Cr.
Stock P/E
-6.6
P/B
15.8
Current Price
₹20.5
Book Value
₹ 1.3
Face Value
10
52W High
₹36.6
52W Low
₹ 15.4
Dividend Yield
0%

Indergiri Finance Overview

Business

Indergiri Finance Ltd. is an Indian Non-Banking Financial Company (NBFC). As an NBFC, its primary business involves providing various forms of financial services, typically excluding core banking activities like accepting demand deposits. Its core business model revolves around lending money to individuals, small and medium enterprises (SMEs), and possibly corporations, generating revenue primarily through the net interest margin (NIM) – the difference between the interest earned on loans and the interest paid on borrowings. It may also earn fee income from financial advisory or other related services.

Revenue Mix

Without specific company data, the exact revenue mix is not available. However, typical NBFCs in India operate across segments such as retail loans (e.g., vehicle loans, personal loans, loans against property), SME loans, corporate loans, and potentially specialized financing like infrastructure or microfinance. Indergiri Finance's revenue would primarily be derived from the interest income generated by its loan portfolio.

Industry

The Indian NBFC sector is highly competitive and diverse, comprising a wide range of players from large, diversified entities to small, niche-focused lenders. The industry is regulated by the Reserve Bank of India (RBI). Indergiri Finance, operating in this environment, likely positions itself within a specific niche or geographic area, given its relatively smaller public profile. It competes with other NBFCs, banks, and potentially fintech players for borrowers and funding. Its exact market share or ranking within the broader NBFC landscape is not readily apparent but it is generally considered a smaller participant compared to leading NBFCs.

MOAT

Without specific details, it is challenging to identify strong, durable competitive advantages for Indergiri Finance. For smaller NBFCs, potential "moats" can stem from:

Niche Focus: Expertise in a specific asset class, customer segment, or geographic region.

Relationship-based Lending: Strong local presence and long-standing relationships with customers.

Efficient Underwriting: Superior ability to assess risk in its chosen segments.

Cost of Funds: Access to diverse and relatively cheaper funding sources.

Given its likely smaller scale, it's improbable that it possesses strong moats like massive brand recognition, significant scale advantages, or extensive proprietary network effects compared to larger, more established players.

Growth Drivers

Key factors that could drive growth for Indergiri Finance over the next 3-5 years include:

Growing Credit Demand: India's economic growth and increasing financialization drive demand for credit across retail and SME segments.

Under-penetrated Segments: Opportunity to lend to segments underserved by traditional banks.

Digital Adoption: Leveraging technology for efficient customer acquisition, underwriting, and loan servicing.

Regulatory Support: Specific policy initiatives aimed at boosting credit flow to certain sectors.

Geographic Expansion: Expanding presence into new regions or deepening existing ones.

Risks

Asset Quality Risk: Deterioration in the creditworthiness of borrowers leading to higher non-performing assets (NPAs) and credit costs.

Interest Rate Risk: Fluctuations in interest rates impacting net interest margins, especially if borrowing and lending rates are mismatched in terms of tenure or repricing.

Liquidity Risk: Challenges in raising funds from banks, capital markets, or other sources at competitive rates.

Regulatory Risk: Changes in RBI regulations regarding capital adequacy, asset classification, provisioning norms, or operational guidelines.

Competition: Intense competition from other NBFCs, banks, and fintech companies potentially compressing margins and impacting market share.

Economic Slowdown: A general slowdown in the Indian economy can adversely affect borrower repayment capacity and demand for credit.

Management & Ownership

Details regarding the specific promoters and management team are not provided. For an NBFC like Indergiri Finance, the quality and experience of the promoter group and the management team are crucial, influencing strategic direction, risk management, and capital allocation. The ownership structure typically involves a promoter group holding a significant stake, alongside institutional and public shareholders. Their governance practices and transparency would be key factors for evaluation.

Outlook

The outlook for Indergiri Finance is largely tied to the broader Indian economic trajectory and the health of the NBFC sector. On the positive side, India's expanding economy and growing credit requirements across various segments provide a robust demand environment for financial services. An NBFC with a clear niche, efficient operations, and sound risk management practices can capitalize on this growth. However, the sector remains highly competitive and prone to asset quality challenges, interest rate volatility, and regulatory changes. Sustaining growth and profitability will depend on its ability to manage these risks effectively, maintain a healthy balance sheet, ensure adequate funding, and potentially leverage technology for operational efficiencies and customer reach.

Indergiri Finance Share Price

Live · BSE · Inception: 1995
₹ | |
Volume
Price

Key Financials — Profit & Loss

₹ in Cr · Standalone · annual

Indergiri Finance Quarterly Results

#(Fig in Cr.) Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
Net Sales 0 0 1 1 1 0 0 0 1 0
Other Income -0 0 0 0 -0 0 0 1 0 0
Total Income 0 1 1 1 1 0 0 2 1 0
Total Expenditure 0 1 0 0 2 0 1 1 1 1
Operating Profit 0 0 0 0 -2 0 -1 0 1 -0
Interest 0 0 0 0 0 0 0 0 1 0
Depreciation 0 0 0 0 0 0 0 0 0 0
Exceptional Income / Expenses 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 0 -0 -0 0 -2 -0 -2 -0 0 -1
Provision for Tax 0 0 0 -0 -1 0 -0 -0 0 -0
Profit After Tax 0 -0 -0 0 -2 -0 -1 0 0 -1
Adjustments 0 0 0 0 0 0 0 -0 0 -0
Profit After Adjustments 0 -0 -0 0 -2 -0 -1 0 0 -1
Adjusted Earnings Per Share 0.1 -0.2 -0.1 0.3 -3.1 -0.7 -2.6 0.2 0.3 -1.4

Indergiri Finance Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Net Sales 1 1 0 0 0 0 0 0 1 1 2 1
Other Income 0 0 0 0 0 0 0 0 0 0 0 1
Total Income 1 1 0 0 0 0 0 0 1 1 2 3
Total Expenditure 1 1 0 0 0 0 0 0 1 1 4 4
Operating Profit 0 0 0 0 0 0 0 0 0 -0 -1 0
Interest 0 0 0 0 0 0 0 0 0 0 1 1
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Exceptional Income / Expenses 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 0 0 0 0 0 0 0 0 0 -1 -2 -3
Provision for Tax 0 0 0 0 0 0 0 0 0 0 -1 0
Profit After Tax 0 0 0 0 0 0 0 -0 0 -1 -2 -2
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 0 0 0 0 0 0 0 -0 0 -1 -2 -2
Adjusted Earnings Per Share 0 0.2 0.1 0.1 0.1 0 0.1 -0.3 0 -1.3 -3.1 -3.5

Indergiri Finance Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 5 5 5 5 5 5 5 5 5 4 3
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 0 0 0 0 0 0 0 0 0 2 6
Other Non-Current Liabilities 0 0 0 -0 -0 -0 -0 -0 -0 0 -1
Total Current Liabilities 0 0 0 0 0 0 0 0 0 2 11
Total Liabilities 5 5 5 5 5 5 5 5 5 8 20
Fixed Assets 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Assets 0 0 0 0 0 0 1 1 0 8 20
Total Current Assets 5 5 5 5 5 5 5 4 5 1 1
Total Assets 5 5 5 5 5 5 5 5 5 8 20

Indergiri Finance Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 0 0 0 0 0 0 0 0 0 1 0
Cash Flow from Operating Activities 0 -0 -0 -0 -0 0 1 0 -0 -4 -13
Cash Flow from Investing Activities -0 0 0 -0 -0 0 -1 0 1 0 -0
Cash Flow from Financing Activities 0 0 0 0 0 0 0 0 0 4 12
Net Cash Inflow / Outflow 0 -0 -0 -0 -0 0 0 0 0 -0 -0
Closing Cash & Cash Equivalent 0 0 0 0 0 0 0 0 1 0 0

Indergiri Finance Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 0.03 0.15 0.06 0.09 0.07 0.02 0.05 -0.3 0.02 -1.28 -3.11
CEPS(Rs) 0.03 0.15 0.06 0.1 0.07 0.02 0.05 -0.29 0.03 -1.27 -3.09
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 9.73 9.89 9.95 10.01 10.08 10.1 10.15 9.85 9.87 8.55 5.45
Core EBITDA Margin(%) 0.22 11.54 10.34 13.61 10.46 2.82 2.94 23.92 -5.87 -65.63 -65.73
EBIT Margin(%) 3.64 11.54 10.34 14.29 10.8 3.37 8.95 24.52 5.24 -63.7 -59.88
Pre Tax Margin(%) 3.64 11.54 10.34 14.26 10.04 3.35 8.94 24.51 5.22 -79.45 -93.87
PAT Margin (%) 2.54 7.87 6.92 10.54 7.32 2.47 6.66 -40.93 1.37 -82.1 -70.63
Cash Profit Margin (%) 2.54 7.87 6.92 10.95 7.71 3 7.22 -40.37 1.97 -81.6 -70.33
ROA(%) 0.34 1.52 0.56 0.92 0.65 0.19 0.49 -2.95 0.19 -9.51 -11.04
ROE(%) 0.35 1.53 0.57 0.93 0.65 0.2 0.49 -2.98 0.19 -13.88 -44.39
ROCE(%) 0.5 2.25 0.85 1.26 0.96 0.27 0.66 1.79 0.74 -7.7 -9.61
Receivable days 198.14 135.47 345.24 321.93 0 0 0 0 0 0 1.14
Inventory Days 25.24 16.36 28.79 24.28 23.73 26.4 28.59 31.76 9.24 0 0
Payable days 7.45 7.93 2754.61 0 0 0 0 0 0 0 0
PER(x) 144.35 36.59 92.73 0 0 252.53 60 0 341.36 0 0
Price/Book(x) 0.5 0.56 0.53 0 0 0.5 0.3 0.34 0.66 6.49 4.81
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 3.02 2.78 6.33 11.32 11.16 6.19 3.59 3.34 3.6 39.81 13.49
EV/Core EBITDA(x) 83.11 24.11 61.26 77.05 99.67 158.93 37.79 13.3 61.7 -62.99 -22.64
Net Sales Growth(%) -3.01 44.06 -57.34 7.97 1.61 -10.41 -6.26 -3.04 91.58 11.61 182.49
EBIT Growth(%) 1877.11 357.25 -61.79 49.26 -23.18 -72.06 148.95 165.69 -59.08 -1457.91 -165.52
PAT Growth(%) 1837.13 347 -62.49 64.6 -29.49 -69.7 152.18 -696.3 106.42 -6782.19 -143.05
EPS Growth(%) 1876.47 347.32 -62.48 64.54 -29.49 -69.74 152.53 -696.2 106.41 -6794.24 -143.05
Debt/Equity(x) 0 0 0 0 0 0 0 0 0 0.86 6.14
Current Ratio(x) 221.96 71.14 36.49 111.44 33.03 35.67 62.88 62.77 20.11 0.44 0.05
Quick Ratio(x) 219.57 70.63 36.28 110.77 32.84 35.46 62.46 62.29 20.1 0.44 0.05
Interest Cover(x) 0 0 0 461.25 14.14 178.13 1107.94 2657.97 385.17 -4.04 -1.76
Total Debt/Mcap(x) 0 0 0 0 0 0 0 0 0 0.13 1.28

Growth Rates

Compounded annual
# 1 Year 3 Year 5 Year 10 Year
Sales CAGR +100% — — +7%
Operating Profit CAGR — — — —
PAT CAGR — — — —
Share Price CAGR -40% -32% +49% +14%
ROE Average -44% -19% -12% -5%
ROCE Average -10% -6% -3% -1%

Indergiri Finance Shareholding Pattern

Latest · Sep 2026
100% held
Promoters 60.56 %
FII 0 %
DII (MF + Insurance) 0 %
Public (retail) 39.44 %
# Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
Promoter 60.1160.1160.1160.1160.1160.2260.2260.2260.5660.56
FII 0000000000
DII 0000000000
Public 39.8939.8939.8939.8939.8939.7839.7839.7839.4439.44
Others 0000000000
Total 100100100100100100100100100100

Indergiri Finance Peer Comparison

Finance - NBFC Edit Columns

Indergiri Finance Quarterly Price

10-year quarterly close · BSE
Show Value Show %

News & Updates

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Indergiri Finance Pros & Cons

Pros

Cons

  • Company has a low return on equity of -19% over the last 3 years.
  • Stock is trading at 15.8 times its book value.
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