Key Financials Snapshot

TTM · Consolidated · ₹ in Cr
Market Cap
₹9 Cr.
Stock P/E
-6
P/B
0.4
Current Price
₹18.9
Book Value
₹ 46.7
Face Value
10
52W High
₹27.5
52W Low
₹ 17.2
Dividend Yield
0%

Octal Credit Capital Overview

Business

Octal Credit Capital Ltd. is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). As an NBFC, its primary business involves providing various financial services, mainly in the form of loans and advances. The company generates revenue predominantly through interest income earned on the credit facilities it extends to individuals, small and medium enterprises (SMEs), and corporations. It also engages in investment activities. Its core business model revolves around borrowing funds from financial markets and lending them out at a higher interest rate, thereby earning a net interest margin.

Revenue Mix

Detailed and granular breakdown of revenue by specific lending segments (e.g., retail, corporate, MSME, gold loans) is not consistently and readily available in public domains for Octal Credit Capital Ltd. However, typical for an NBFC of its size, its revenue is primarily derived from:

Interest Income: From loans and advances provided to various borrowers. This constitutes the vast majority of its operating income.

Investment Income: Income from its investment portfolio, which may include investments in equity, debt, or other financial instruments.

The company likely caters to a mix of small-ticket retail loans and potentially secured or unsecured loans to businesses, but specific proportions are not publicly disclosed.

Industry

Octal Credit Capital Ltd. operates within India's highly competitive and fragmented NBFC sector. The industry is characterized by a diverse range of players, from large, well-capitalized entities to smaller, niche-focused lenders. The Indian NBFC sector plays a crucial role in financial inclusion, catering to credit demands often unmet by traditional banks. Octal Credit Capital Ltd. appears to be a relatively smaller player within this landscape. Its positioning is likely focused on specific regional markets or underserved borrower segments, where it competes with other small to mid-sized NBFCs and local money lenders rather than directly with large national banks or established NBFC giants.

MOAT

Given its size and market positioning, Octal Credit Capital Ltd. likely operates without significant, deep moats typically seen in larger, more established financial institutions (e.g., strong brand recall, vast distribution network, significant cost advantages of scale). Its potential competitive advantages, if any, might stem from:

Local Market Expertise: Deep understanding of specific regional markets or customer segments, allowing for tailored product offerings and better risk assessment.

Agility & Niche Focus: Ability to adapt quickly to changing market conditions and cater to specific, often underserved, credit needs that larger players might overlook.

Customer Relationships: Strong personal relationships with borrowers in its operating areas, which can lead to repeat business and better loan recovery.

However, these are generally considered softer advantages and are not robust moats against larger, more formidable competition.

Growth Drivers

Rising Credit Demand: India's economic growth and increasing financial penetration will continue to drive demand for credit, especially from SMEs and individuals in semi-urban and rural areas.

Underbanked Population: A significant portion of India's population and small businesses remain underserved by traditional banks, creating opportunities for NBFCs to step in.

Digitalization: Adoption of digital lending processes can improve efficiency, reduce operational costs, and expand reach to new customer segments.

Strategic Niche Expansion: Focused expansion into specific, high-growth lending niches (e.g., MSME loans, consumer durables financing, affordable housing finance) could drive portfolio growth.

Risks

Asset Quality & NPAs: Deterioration in the quality of its loan book leading to higher Non-Performing Assets (NPAs) can significantly impact profitability and capital.

Funding & Liquidity Risk: Reliance on wholesale funding sources makes it susceptible to changes in interest rates and availability of credit, impacting cost of funds and liquidity.

Interest Rate Fluctuations: A mismatch between the interest rate sensitivity of its assets and liabilities can adversely affect its Net Interest Margin (NIM).

Regulatory Changes: The NBFC sector is highly regulated; any adverse changes in RBI norms regarding capital adequacy, asset classification, or provisioning can impact operations and profitability.

Competition: Intense competition from other NBFCs, FinTech companies, and banks can put pressure on lending rates and market share.

Economic Downturns: Macroeconomic slowdowns or sector-specific challenges can reduce credit demand and increase default rates.

Management & Ownership

Octal Credit Capital Ltd. is promoted by the Saraf family, who are typically involved in the strategic direction and management of the company. As is common with many smaller Indian NBFCs, promoter ownership tends to be significant, providing a concentrated ownership structure. The quality of management is often judged by their ability to navigate regulatory landscapes, manage credit risk effectively, ensure sound funding, and generate profitable growth in a competitive environment. Specific public information detailing individual management quality metrics or compensation structures is limited for smaller listed entities, but the promoters' long-term vision and commitment are generally key drivers.

Outlook

Octal Credit Capital Ltd. operates in a dynamic Indian financial landscape, characterized by robust credit demand and significant growth opportunities, particularly in underserved segments. The company's future growth hinges on its ability to effectively manage its asset quality, secure competitive funding, and strategically expand its lending operations while navigating the inherent risks of the NBFC sector. The outlook remains balanced between the tailwinds of India's growing credit market and the challenges of intense competition, evolving regulatory landscape, and potential asset quality pressures typical for a smaller NBFC. Sustained prudent risk management and strategic focus on its niche will be critical for its continued performance.

Octal Credit Capital Share Price

Live · BSE · Inception: 1992
₹ | |
Volume
Price

Key Financials — Profit & Loss

₹ in Cr · Consolidated · annual

Octal Credit Capital 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
Operating Revenue 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 Expense 0 0 0 0 0 0 0 0 0 0
Depreciation 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 2 0 1 -1 -1 1 0 -0 -2 1
Profit After Adjustments 2 0 1 -1 -1 1 0 -0 -2 1
Adjusted Earnings Per Share 3.1 0.7 1.5 -1.1 -2.3 1.3 0.5 -0.7 -4.3 2.8

Octal Credit Capital Profit & Loss

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
Operating Revenue 0 0 1 0 0 0 0 1 0 0 0 0
Other Income 0 0 0 0 0 0 0 0 0 0 0 0
Total Income 0 0 1 0 0 0 0 1 0 0 0 0
Total Expenditure 0 0 1 0 1 0 -0 2 0 0 0 0
Operating Profit 0 -0 0 -0 -0 -0 0 -0 0 0 0 0
Interest Expense 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 -0 0 -0 -0 -0 3 -1 4 -1 -2 0
Provision for Tax -0 0 0 0 0 0 0 -0 0 0 0 0
Profit After Tax 0 -0 0 -0 -0 -0 2 -0 4 -1 -2 0
Adjustments 0 0 0 -0 -1 1 0 0 0 0 0 -1
Profit After Adjustments 0 -0 0 -0 -1 0 2 -0 4 -1 -2 -1
Adjusted Earnings Per Share 0.2 -0.1 0.2 -0.5 -2.1 1 5 -0.9 8.2 -1.2 -3.2 -1.7

Octal Credit Capital Balance Sheet

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Shareholder's Funds 6 6 6 13 12 12 14 14 19 23 23
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 0 0 0 0 0 0 0 0 0 0 0
Current Liability 0 0 0 0 0 0 0 0 0 0 0
Other Liabilities & Provisions 0 0 0 1 1 2 3 3 4 3 3
Total Liabilities 6 6 6 15 13 14 17 16 23 26 26
Loans 0 0 0 0 0 0 0 0 3 3 3
Investments 2 4 4 12 10 11 13 13 20 23 23
Fixed Assets 0 0 0 0 0 0 0 0 0 0 0
Other Loans 0 0 0 0 0 0 0 0 0 0 0
Other Non Current Assets 0 0 0 0 0 0 0 0 0 0 0
Current Assets 4 2 2 3 3 3 3 3 1 0 0
Total Assets 6 6 6 15 13 14 17 16 23 26 26

Octal Credit Capital Cash Flow

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Opening Cash & Cash Equivalents 1 1 0 0 0 1 0 0 1 0 0
Cash Flow from Operating Activities 0 1 0 -1 0 -1 -0 1 -1 -0 1
Cash Flow from Investing Activities -0 -2 0 1 0 0 0 -0 0 0 -1
Cash Flow from Financing Activities 0 0 -0 -0 0 0 -0 0 0 0 0
Net Cash Inflow / Outflow 0 -1 0 -0 1 -1 0 1 -1 -0 0
Closing Cash & Cash Equivalent 1 0 0 0 1 0 0 1 0 0 0

Octal Credit Capital Ratios

# Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Earnings Per Share (Rs) 0.21 -0.1 0.2 -0.54 -2.11 0.98 4.98 -0.94 8.17 -1.18 -3.16
CEPS(Rs) 0.2 -0.13 0.09 -0.08 -0.51 -0.16 4.98 -0.94 8.17 -1.18 -3.16
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 11.54 11.45 11.64 26.3 23.97 23.66 28.08 27.08 37.9 46.84 46.66
Net Profit Margin 25.37 -31.5 7.78 -16.27 -77.15 -36.01 1312.39 -42.41 1444.61 -174.97 -416.98
Operating Margin 25.23 -30.36 8.54 -13.46 -77.06 -20.25 1403.64 -57.67 1454.22 -154.28 -413.52
PBT Margin 25.23 -31.18 8.01 -16.23 -77.06 -20.25 1403.06 -57.67 1454.22 -154.64 -413.84
ROA(%) 1.52 -1.29 0.67 -0.4 -1.84 -0.59 16.15 -2.85 21.02 -2.41 -6
ROE(%) 1.55 -1.31 0.68 -0.43 -2.04 -0.67 19.23 -3.4 25.16 -2.79 -6.75
ROCE(%) 1.54 -1.26 0.74 -0.36 -2.04 -0.38 20.57 -4.62 25.32 -2.46 -6.7
Price/Earnings(x) 113.24 0 0 0 0 4.78 8.04 0 2.29 0 0
Price/Book(x) 2.04 1.09 0 0.41 0.2 0.2 1.42 0.74 0.49 0.48 0.48
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 30.38 26.03 9.18 20.9 4.96 10.22 104.99 8.27 32.36 32.73 28.99
EV/Core EBITDA(x) 47.42 -96.83 94.76 -171.96 -6.49 -52.68 41.17 -19.61 65.95 95.9 103.29
Interest Earned Growth(%) 0 -32.1 111.32 -49.98 31.67 -33.04 -14.86 482.86 -74.4 19.62 11.91
Net Profit Growth 0 -184.33 152.19 -204.6 -524.33 68.75 3202.62 -118.84 971.94 -114.49 -166.69
EPS Growth(%) 0 -147.7 296.61 -376.98 -289.36 146.42 408.55 -118.84 971.97 -114.49 -166.69
Interest Coverage(x) % 0 -36.8 16.19 -4.86 0 0 2419.36 0 0 -435.08 -1305

Growth Rates

Compounded annual
# 1 Year 3 Year 5 Year 10 Year
Sales CAGR — -100% — —
Operating Profit CAGR — — — —
PAT CAGR — — — —
Share Price CAGR -20% +2% -14% +2%
ROE Average -7% +5% +6% +3%
ROCE Average -7% +5% +6% +3%

Octal Credit Capital Shareholding Pattern

Latest · Sep 2026
100% held
Promoters 26.64 %
FII 0 %
DII (MF + Insurance) 0 %
Public (retail) 73.36 %
# Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
Promoter 26.8426.8426.6726.6426.6426.6426.6426.6426.6426.64
FII 0000000000
DII 0000000000
Public 73.1673.1673.3373.3673.3673.3673.3673.3673.3673.36
Others 0000000000
Total 100100100100100100100100100100

Octal Credit Capital Peer Comparison

Finance - NBFC Edit Columns

Octal Credit Capital Quarterly Price

10-year quarterly close · BSE
Show Value Show %

News & Updates

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Octal Credit Capital Pros & Cons

Pros

  • Stock is trading at 0.4 times its book value
  • Company is almost debt free.

Cons

  • Promoter holding is low: 26.64%.
  • Company has a low return on equity of 5% over the last 3 years.
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