eMACH.ai

Chennai, India Founded: 1993 • Age: 33 yrs Listed
AI-based core banking platform developed for financial institutions.
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About eMACH.ai

eMACH.ai is a publicly listed company based in Chennai (India) founded in 1993 by Arun Jain. AI-based core banking platform developed for financial institutions. The company has 6,485 employees. Its Indian entity Intellect Design Arena Limited reported revenue of ₹3,164 Cr. eMACH.ai offers products and services including eMACH.ai, iTurmeric, and Purple Fabric. Its focus areas include FinTech, Banking Tech and Core Banking Platforms.

Company details

eMACH.ai was established in 1993 in Chennai, India, by founder Arun Jain. An AI-based core banking platform is developed to support financial operations. Services are provided to banks and institutions for streamlined processing and automation. The fintech sector is targeted, with focus on integrating artificial intelligence into traditional banking systems. Operations remain centered in India, addressing regional financial needs.

  • Headquarters Chennai, India
  • Employees 6,485
  • Founders Arun Jain
  • Stage Public
  • Sectors
    Financial Services
  • Website emach.ai
  • Social LinkedIn
  • Legal Name Intellect Design Arena Limited
  • Date of Incorporation 18 Apr, 2011
  • Jurisdiction Chennai, Tamil Nadu, India
Operational Areas
Financial Services → Banking & FinTech Platforms
Key Metrics
  • Market Cap
    ₹7,172 Cr

    INTELLECT · NSE

  • Share Price
    ₹510.30

    -2.30% today

  • Revenue
    ₹3,038 Cr

    FY 2025-26 · +21.5% YoY

  • EBITDA
    ₹553 Cr

    Margin 18.2%

  • Net Profit
    ₹368 Cr

    FY 2025-26 · +10.7% YoY

  • P/E (TTM)
    19.5x

    P/B 2.2x

  • ROE
    11.5%

    ROCE 15.1%

  • Debt / Equity
    0.04

    Interest cover 2.8x

  • Employee Count
    6,485

Products & Services of eMACH.ai

eMACH.ai offers a comprehensive portfolio of products and services, including eMACH.ai, iTurmeric, and Purple Fabric.

eMACH.ai
Open Finance Platform

Enables building of intelligent financial solutions for institutions.

iTurmeric
Coding Platform

Facilitates composing and configuring solutions for BFSI sector.

Purple Fabric
AI Platform

Allows secure building and management of AI agents at scale.

Board of directors of Intellect Design Arena Limited (eMACH.ai)

Intellect Design Arena Limited is the primary company behind eMACH.ai. The board of Intellect Design Arena Limited currently have 6 directors; the longest-serving is Arun Jain, appointed in 2014. 12 earlier directors have ceased.

DirectorDesignationAppointedTenureEntity
Arun Jain
DIN 00580919
Managing Director30 Aug 201412 yrs 2 moIntellect Design Arena Limited
Anil Kumar Verma
DIN 01957168
Whole-time director30 Sep 201412 yrs 1 moIntellect Design Arena Limited
Vijaya Sampath
DIN 00641110
Director25 Oct 20188 yrsIntellect Design Arena Limited
Abhay Anant Gupte
DIN 00389288
Director15 Jun 20206 yrs 4 moIntellect Design Arena Limited
Ambrish Pandey Jain
DIN 07068438
Director05 May 20224 yrs 6 moIntellect Design Arena Limited
Shivakumar Dega
DIN 00364444
Director30 Jan 20269 moIntellect Design Arena Limited

People of eMACH.ai

1 people are tracked at eMACH.ai (1 in leadership); the tracked headcount is 6,485.

NameRoleGroup
Arun Jain
FounderLeadership
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Complete people profiles for eMACH.ai

Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.

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  • Team structure
  • Board tenure
  • Professional contacts

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IPO & Listings of eMACH.ai

eMACH.ai is a publicly listed company on the NSE with ticker symbol INTELLECT in India, operating in the IT - Software sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.

  • Listed onNSE: INTELLECT
  • Listed entityIntellect Design Arena Limited
  • Exchange sectorIT - Software

Financials of eMACH.ai

Exchange-reported figures of Intellect Design Arena Limited, the listed company behind eMACH.ai (NSE: INTELLECT).

Financial Highlights

FY 2025-26 · Consolidated
Revenue
₹3,038 Cr
+21.5% YoY
EBITDA
₹553 Cr
+4.2% YoY
Profit After Tax
₹368 Cr
+10.7% YoY
Net Worth
₹3,170 Cr
+13.8% YoY
Total Assets
₹3,391 Cr
+17.2% YoY
Total Debt
₹159 Cr
+121.1% YoY

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue3,0382,5002,5062,2311,8781,4971,347
Revenue growth+21.5%-0.3%+12.3%+18.8%+25.4%+11.2%-
EBITDA55353154243847535975.45
EBITDA margin+18.2%+21.2%+21.6%+19.7%+25.3%+24.0%+5.6%
Profit before tax46044446136341329022.72
Net profit3683333212673412644.12
Net profit margin+12.1%+13.3%+12.8%+12.0%+18.1%+17.6%+0.3%
EPS (₹)24.7323.9723.4719.6925.9419.761.21
Balance sheet
Total assets3,3912,8942,4962,0991,8431,4881,375
Net worth3,1702,7862,4392,0581,8091,3931,045
Total debt15971.7844.3027.1320.4282.47300
Cash & bank49132820497.10159153106
Net working capital967842808583415395441
Cash flow
Cash from operations51043141017445346343.57
Cash from investing(269)(244)(255)(177)(399)(193)(99.24)
Cash from financing(113)(63.31)(49.03)(49.54)(52.10)(225)80.10
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue847845847731758702726610
Revenue growth (YoY)+11.7%+20.5%+16.7%+20.0%+35.8%+15.7%--
Other income31.2528.0739.5822.2232.4532.6822.6415.62
EBITDA16616618369.41153142202119
EBITDA margin+19.6%+19.6%+21.6%+9.5%+20.2%+20.2%+27.8%+19.5%
Depreciation59.6657.6058.7253.2248.8248.1441.4439.64
Interest1.151.242.131.441.351.390.991.02
Profit before tax13713516236.9713612518293.72
Tax32.8933.3441.889.5533.8431.5445.7522.92
Net profit10410212027.4210293.7013670.80
EPS (₹)7.327.198.482.007.186.659.564.94
MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue1,6621,5691,6791,4701,2551,003741
Revenue growth+6.0%-6.6%+14.2%+17.1%+25.1%+35.3%-
EBITDA29931030124330226820.59
EBITDA margin+18.0%+19.8%+17.9%+16.5%+24.1%+26.7%+2.8%
Profit before tax261261265202264223(19.76)
Net profit217194166134195208(46.04)
Net profit margin+13.1%+12.4%+9.9%+9.1%+15.5%+20.8%-6.2%
EPS (₹)13.9513.9612.109.8715.0215.59(2.36)
Balance sheet
Total assets2,0821,9691,7671,5611,4621,2381,184
Net worth2,0291,9371,7571,5451,4551,186893
Total debt20.4726.638.1912.346.0851.39272
Cash & bank18674.8268.4948.7879.5552.1342.52
Net working capital347430432363323411485
Cash flow
Cash from operations418299256164462378(10.46)
Cash from investing(226)(242)(198)(154)(396)(151)(59.69)
Cash from financing(103)(52.14)(36.99)(35.35)(40.15)(219)87.31
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue498454472381431377463387
Revenue growth (YoY)+15.5%+20.3%+2.1%-1.4%+29.0%-2.1%--
Other income21.9620.0228.1616.4121.2635.1117.4312.16
Total expenses375358360371329305329325
EBITDA12395.6611210.3610272.0413361.39
EBITDA margin+24.7%+21.1%+23.8%+2.7%+23.8%+19.1%+28.8%+15.9%
Depreciation36.4336.4436.6634.8031.6732.0028.5826.50
Interest0.370.410.410.450.480.510.530.57
Profit before tax10878.83103(8.48)91.5874.6412246.48
Tax27.9720.4126.00(1.28)22.4319.1531.2412.30

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 10 Nov 2026
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue847845847731758702726610
Revenue growth (YoY)+11.7%+20.5%+16.7%+20.0%+35.8%+15.7%--
Other income31.2528.0739.5822.2232.4532.6822.6415.62
EBITDA16616618369.41153142202119
EBITDA margin+19.6%+19.6%+21.6%+9.5%+20.2%+20.2%+27.8%+19.5%
Depreciation59.6657.6058.7253.2248.8248.1441.4439.64
Interest1.151.242.131.441.351.390.991.02
Profit before tax13713516236.9713612518293.72
Tax32.8933.3441.889.5533.8431.5445.7522.92
Net profit10410212027.4210293.7013670.80
EPS (₹)7.327.198.482.007.186.659.564.94
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue3,0382,5002,5062,2311,8781,4971,347
Revenue growth+21.5%-0.3%+12.3%+18.8%+25.4%+11.2%-
Other income12677.0361.6852.8942.9521.1638.22
Total expenses2,4851,9691,9641,7931,4031,1391,271
Employee cost1,8111,5221,3401,144921808812
EBITDA55353154243847535975.45
EBITDA margin+18.2%+21.2%+21.6%+19.7%+25.3%+24.0%+5.6%
Depreciation20915613712297.5676.7168.96
Interest9.767.715.516.507.2612.9821.99
Profit before tax46044446136341329022.72
Tax11710913894.7562.7425.455.09
Net profit3683333212673412644.12
Net profit margin+12.1%+13.3%+12.8%+12.0%+18.1%+17.6%+0.3%
EPS (₹)24.7323.9723.4719.6925.9419.761.21
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital69.8469.4368.4167.8667.2866.4966.17
Reserves & surplus3,1002,7162,3701,9901,7411,326979
Shareholders' funds (net worth)3,1702,7862,4392,0581,8091,3931,045
Minority interest29.1231.0212.2910.9212.9011.9911.80
Secured loans0.000.000.000.000.007.56256
Unsecured loans15971.7844.3027.1320.4274.9143.60
Total debt15971.7844.3027.1320.4282.47300
Total liabilities3,3912,8942,4962,0991,8431,4881,375
Assets
Gross block2,0211,6171,2861,117950830730
Net block894727558494435397368
Capital work in progress298307374370344349312
Investments63553844936541614676.84
Inventories0.000.000.000.000.000.000.00
Sundry debtors679449554416257187285
Cash & bank balances49132820497.10159153106
Loans & advances934998913859750609544
Total current assets2,1041,7751,6711,3711,166949935
Total current liabilities1,137933864788751554494
Net working capital967842808583415395441
Total assets3,3912,8942,4962,0991,8431,4881,375
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash32420093.8914614599.7275.29
Net cash from operating activities51043141017445346343.57
Net cash from investing activities(269)(244)(255)(177)(399)(193)(99.24)
Net cash from financing activities(113)(63.31)(49.03)(49.54)(52.10)(225)80.10
Net change in cash129124106(52.30)1.4445.0224.43
Closing cash49132820497.10159153106
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+21.5%-0.3%+12.3%+18.8%+25.4%+11.2%-
EBITDA growth+4.2%-2.1%+23.7%-7.7%+32.5%+375.3%-
PBT growth+3.7%-3.8%+26.9%-12.1%+42.4%+1176.8%-83.8%
Net income growth+10.7%+3.6%+20.1%-21.5%+29.2%+6299.8%-
Revenue CAGR (3Y)+10.8%+10.0%+18.7%+18.3%+9.0%+11.3%+13.8%
EBITDA CAGR (3Y)+8.1%+3.8%+14.8%+79.8%+53.2%+68.4%-
Profitability & leverage
Net income margin+11.3%+13.4%+12.9%+12.0%+18.7%+17.7%+1.3%
Return on capital employed+15.1%+16.9%+20.4%+18.9%+25.4%+21.4%+2.3%
Return on net worth+11.5%+12.8%+14.4%+13.9%+21.9%+21.7%+0.6%
Debt / equity0.040.020.020.010.030.160.21
Long-term debt / equity0.030.020.010.010.010.040.06
Interest cover2.842.061.362.051.924.60338.83
Efficiency & per share
Fixed asset turnover1.671.722.092.162.111.921.98
Inventory turnover0.000.000.000.000.000.000.00
Debtors turnover5.394.995.176.638.466.355.53
EPS (₹)24.7323.9723.4719.6925.9419.761.21
Dividend per share (₹)7.007.003.502.502.500.000.00
Book value per share (₹)226.96200.63178.25151.61134.43104.7578.97
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue498454472381431377463387
Revenue growth (YoY)+15.5%+20.3%+2.1%-1.4%+29.0%-2.1%--
Other income21.9620.0228.1616.4121.2635.1117.4312.16
Total expenses375358360371329305329325
EBITDA12395.6611210.3610272.0413361.39
EBITDA margin+24.7%+21.1%+23.8%+2.7%+23.8%+19.1%+28.8%+15.9%
Depreciation36.4336.4436.6634.8031.6732.0028.5826.50
Interest0.370.410.410.450.480.510.530.57
Profit before tax10878.83103(8.48)91.5874.6412246.48
Tax27.9720.4126.00(1.28)22.4319.1531.2412.30
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue1,6621,5691,6791,4701,2551,003741
Revenue growth+6.0%-6.6%+14.2%+17.1%+25.1%+35.3%-
Other income10159.3656.3144.3536.3515.3828.04
Total expenses1,3631,2581,3781,227953735721
Employee cost977952840713560494462
EBITDA29931030124330226820.59
EBITDA margin+18.0%+19.8%+17.9%+16.5%+24.1%+26.7%+2.8%
Depreciation13510489.2580.0769.0350.0148.57
Interest3.674.562.624.645.1610.6419.82
Profit before tax261261265202264223(19.76)
Tax66.2967.4699.5168.3062.3015.3311.53
Net profit217194166134195208(46.04)
Net profit margin+13.1%+12.4%+9.9%+9.1%+15.5%+20.8%-6.2%
EPS (₹)13.9513.9612.109.8715.0215.59(2.36)
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital69.8469.4368.4167.8667.2866.4966.17
Reserves & surplus1,9591,8681,6891,4771,3881,120827
Shareholders' funds (net worth)2,0291,9371,7571,5451,4551,186893
Secured loans0.000.000.000.000.0041.96256
Unsecured loans20.4726.638.1912.346.089.4316.85
Total debt20.4726.638.1912.346.0851.39272
Total liabilities2,0821,9691,7671,5611,4621,2381,184
Assets
Gross block1,2471,070846754668592516
Net block488441319293280260227
Capital work in progress207219278271212200215
Investments737629527443496190110
Inventories0.000.000.000.000.000.000.00
Sundry debtors196237354412312367446
Cash & bank balances18674.8268.4948.7879.5552.1342.52
Loans & advances784853947702631491336
Total current assets1,1651,1651,3701,1621,022910824
Total current liabilities818735938799700499339
Net working capital347430432363323411485
Total assets2,0821,9691,7671,5611,4621,2381,184
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash71.5466.8145.5670.3344.1335.9618.80
Net cash from operating activities418299256164462378(10.46)
Net cash from investing activities(226)(242)(198)(154)(396)(151)(59.69)
Net cash from financing activities(103)(52.14)(36.99)(35.35)(40.15)(219)87.31
Net change in cash88.504.7221.25(24.77)26.208.1717.16
Closing cash18674.8268.4948.7879.5552.1342.52
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+6.0%-6.6%+14.2%+17.1%+25.1%+35.3%-
EBITDA growth-3.7%+3.3%+23.9%-19.7%+12.8%+1200.9%-
PBT growth-0.1%-1.4%+31.0%-23.5%+18.8%+9998.0%-
Net income growth+12.0%+17.0%+23.6%-31.1%-6.5%+552.1%-
Revenue CAGR (3Y)+4.2%+7.7%+18.7%+25.6%+10.5%+14.1%+12.8%
EBITDA CAGR (3Y)+7.2%+0.9%+3.9%+127.6%+31.9%+81.6%-
Profitability & leverage
Net income margin+11.7%+12.4%+9.9%+9.1%+16.1%+20.7%-4.2%
Return on capital employed+14.6%+14.2%+16.1%+13.7%+20.0%+19.3%-1.3%
Return on net worth+10.9%+10.5%+10.0%+8.9%+15.3%+19.9%-5.1%
Debt / equity0.010.010.010.010.020.160.22
Long-term debt / equity0.010.010.000.000.010.030.06
Interest cover2.242.211.242.852.214.88-70.84
Efficiency & per share
Fixed asset turnover1.431.642.102.071.991.811.49
Inventory turnover0.000.000.000.000.000.000.00
Debtors turnover7.685.304.384.063.702.472.24
EPS (₹)13.9513.9612.109.8715.0215.59(2.36)
Dividend per share (₹)7.007.003.502.502.500.000.00
Book value per share (₹)145.25139.52128.44113.86108.1689.2067.48

Web traffic of eMACH.ai

The website of eMACH.ai (emach.ai) receives about 2.6K visits a month.

  • Monthly visits
    2.6K

    ▲ 594.2% vs previous month

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Frequently Asked Questions about eMACH.ai

eMACH.ai was founded in 1993.

eMACH.ai is headquartered in Chennai, India. It is registered at Chennai, Tamil Nadu, India.

eMACH.ai has 6,485 employees.

The primary company behind eMACH.ai, Intellect Design Arena Limited, reported revenue of ₹3,164 Cr for FY 2026, up 22% year on year.

eMACH.ai was established in 1993 in Chennai, India, by founder Arun Jain. An AI-based core banking platform is developed to support financial operations. Services are provided to banks and institutions for streamlined processing and automation. The fintech sector is targeted, with focus on integrating artificial intelligence into traditional banking systems. Operations remain centered in India, addressing regional financial needs.

eMACH.ai offers eMACH.ai, iTurmeric, and Purple Fabric.

Yes, eMACH.ai is publicly traded on NSE under the ticker symbol INTELLECT.

eMACH.ai operates through Intellect Design Arena Limited.

The legal entities of eMACH.ai currently have 8 directors, including Anil Kumar Verma, Vijaya Sampath, Arun Jain and others.

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