WEBSITE BSE:501311 NSE: JAYBH.CREDIT Inc. Year: 1943 Industry: Finance - NBFC My Bucket: Add Stock
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Jayabharat Credit Ltd. is an Indian financial services company with a long history dating back to March 25, 1943, when it was originally incorporated as The Jayabharat Insurance Company Limited. After nationalization of the insurance sector, the company shifted away from insurance and evolved into a finance and investment business, eventually focusing on asset financing activities. Over the years it became known for hire-purchase and leasing services, particularly financing heavy commercial vehicles, light vehicles and equipment for businesses,...Read More
Jayabharat Credit Ltd. is an Indian financial services company with a long history dating back to March 25, 1943, when it was originally incorporated as The Jayabharat Insurance Company Limited. After nationalization of the insurance sector, the company shifted away from insurance and evolved into a finance and investment business, eventually focusing on asset financing activities. Over the years it became known for hire-purchase and leasing services, particularly financing heavy commercial vehicles, light vehicles and equipment for businesses, and was at one time registered with the Reserve Bank of India as a deposit-taking Non-Banking Finance Company (NBFC). It also engaged in investment and corporate financing, including merchant banking services after registering with SEBI. However, Jayabharat Credit ceased its NBFC status in early 2020, and in recent years its operations have shown minimal or no active business revenue reported in quarterly results. The company is based in Mumbai, Maharashtra, and is publicly listed on the BSE (BSE code: 501311). Its board includes several directors and it has historically offered fixed and cumulative deposit schemes to individuals and small entities alongside its financing activities, though recent financial results have reflected limited business activity and small net losses reported in some quarters. ...Read Less
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Market Cap ₹11 Cr.
Stock P/E -10.9
P/B -0.2
Current Price ₹22
Book Value ₹ -123.3
Face Value 10
52W High ₹33.1
Dividend Yield 0%
52W Low ₹ 9.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Expenditure | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Profit | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | -0 | -0 | -0 | -0 | -0 | -0 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Adjusted Earnings Per Share | -0.4 | -0.3 | -0.9 | -0.4 | -0.4 | -0.5 | -0.7 | -0.5 | -0.5 | -0.6 |
| #(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 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| Total Income | 2 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| Total Expenditure | 1 | 3 | 1 | 1 | 61 | 1 | 1 | 1 | 1 | 1 | 1 | 0 |
| Operating Profit | 0 | -2 | -1 | -1 | -61 | -1 | -1 | -1 | -0 | -1 | -1 | 0 |
| Interest | 3 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | -2 | -3 | -2 | -2 | -61 | -1 | -1 | -1 | -1 | -1 | -1 | 0 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| Profit After Tax | -2 | -3 | -2 | -2 | -61 | -1 | -1 | -1 | -1 | -1 | -1 | 0 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -2 | -3 | -2 | -2 | -61 | -1 | -1 | -1 | -1 | -1 | -1 | 0 |
| Adjusted Earnings Per Share | -4.5 | -6.8 | -3.6 | -3.1 | -121.3 | -2.3 | -1.6 | -1.7 | -3 | -2.1 | -2 | -2.3 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 0% | 0% | 0% | -100% |
| Operating Profit CAGR | 0% | 0% | 0% | 0% |
| PAT CAGR | 0% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 44% | 65% | 34% | 16% |
| ROE Average | 0% | 0% | 0% | -8% |
| ROCE Average | 0% | -1461% | -932% | -458% |
| #(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 | 13 | 10 | 8 | 6 | -54 | -56 | -56 | -57 | -59 | -60 | -61 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 47 | 49 | 52 | 54 | 55 | 56 | 57 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 1 | 1 | 0 | -0 | -0 | -0 | -0 | -0 | 0 | 0 | 0 |
| Total Current Liabilities | 2 | 2 | 1 | 0 | 0 | 0 | 1 | 58 | 59 | 60 | 61 |
| Total Liabilities | 63 | 61 | 60 | 60 | 1 | 1 | 1 | 1 | 0 | 0 | 0 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 48 | 46 | 46 | 46 | 1 | 1 | 1 | 1 | 0 | 0 | 0 |
| Total Current Assets | 15 | 15 | 14 | 14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Assets | 63 | 61 | 60 | 60 | 1 | 1 | 1 | 1 | 0 | 0 | 0 |
| #(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 | 0 | 0 |
| Cash Flow from Operating Activities | -1 | -1 | -0 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 |
| Cash Flow from Investing Activities | 1 | 0 | 0 | 0 | -0 | -0 | -0 | 0 | 1 | -0 | 0 |
| Cash Flow from Financing Activities | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | -0 | 1 | 1 |
| 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 | 0 | 0 | 0 |
| # | 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) | -4.5 | -6.79 | -3.59 | -3.14 | -121.28 | -2.3 | -1.56 | -1.74 | -2.99 | -2.13 | -2.01 |
| CEPS(Rs) | -4.41 | -6.75 | -3.56 | -3.12 | -121.26 | -2.28 | -1.54 | -1.73 | -2.98 | -2.11 | -2 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 25.82 | 19.03 | 15.43 | 12.29 | -108.99 | -111.29 | -112.84 | -114.59 | -117.58 | -119.7 | -121.72 |
| Core EBITDA Margin(%) | -115.22 | 0 | -84.12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EBIT Margin(%) | 143.51 | 0 | -86.82 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pre Tax Margin(%) | -348.44 | 0 | -276.59 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PAT Margin (%) | -348.44 | 0 | -276.59 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash Profit Margin (%) | -341.22 | 0 | -273.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| ROA(%) | -3.57 | -5.45 | -2.95 | -2.6 | -197.39 | -109.84 | -75.18 | -85.88 | -283.14 | -2160.37 | -949.93 |
| ROE(%) | -15.96 | -30.27 | -20.86 | -22.67 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| ROCE(%) | 1.55 | -3.51 | -0.96 | -1.87 | -199.98 | -168.3 | -134.86 | -141.4 | -4383.94 | 0 | 0 |
| Receivable days | 8414.49 | 0 | 8061.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Price/Book(x) | 0.22 | 0.28 | 0 | 0 | 0 | -0.02 | -0.05 | -0.06 | -0.09 | -0.1 | -0.11 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 77.75 | 0 | 86.91 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Core EBITDA(x) | 207.85 | -21.75 | -103.64 | -53.3 | -0.99 | -50.02 | -77.76 | -70.95 | -213.7 | -61.37 | -73.47 |
| Net Sales Growth(%) | -78.06 | -100 | 0 | -100 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EBIT Growth(%) | 179.32 | -325.54 | 73 | -97.57 | -5340.26 | 98.1 | 32.38 | -12.08 | 65.56 | -253.95 | 13.09 |
| PAT Growth(%) | 26.45 | -50.86 | 47.04 | 12.57 | -3759.05 | 98.1 | 32.38 | -12.08 | -71.54 | 28.94 | 5.22 |
| EPS Growth(%) | 26.45 | -50.86 | 47.04 | 12.57 | -3759.03 | 98.1 | 32.38 | -12.08 | -71.54 | 28.94 | 5.22 |
| Debt/Equity(x) | 3.67 | 5.17 | 6.68 | 8.75 | -1.01 | -1.01 | -1.01 | -1.01 | -0.99 | -0.99 | -0.99 |
| Current Ratio(x) | 6.84 | 7.35 | 17.15 | 28.08 | 0.21 | 0.17 | 0.12 | 0 | 0 | 0 | 0 |
| Quick Ratio(x) | 6.84 | 7.35 | 17.15 | 28.08 | 0.21 | 0.17 | 0.12 | 0 | 0 | 0 | 0 |
| Interest Cover(x) | 0.29 | -1.6 | -0.46 | -2.44 | 0 | 0 | 0 | 0 | -0.99 | 0 | 0 |
| Total Debt/Mcap(x) | 16.68 | 18.16 | 0 | 0 | 0 | 65.45 | 19.3 | 17.19 | 11.1 | 10.25 | 8.66 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0.09 | 15.22 | 15.22 | 15.22 | 15.22 | 15.22 | 15.22 | 15.22 | 15.22 | 15.22 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Public | 99.89 | 84.76 | 84.76 | 84.76 | 84.76 | 84.76 | 84.76 | 84.76 | 84.76 | 84.76 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.5 | 0.42 | 0.42 | 0.42 | 0.42 | 0.42 | 0.42 | 0.42 | 0.42 | 0.42 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 |
* The pros and cons are machine generated.
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