About Jayabharat Credit
Jayabharat Credit is a publicly listed company based in Mumbai (India) founded in 1943. Hire purchase financing is offered for commercial vehicles and equipment. The company has 11 employees. Its chief executive, as recorded, is Rajiv Gupta. Its focus areas include Consumer and SME Loans, Consumer Loans and Auto Loans. Its legal entity in India is Jayabharat Credit Limited (L66000MH1943PLC003899). Similar companies include Hinduja Leyland Finance, Bajaj Auto Finance and OTO; 3 of its 3 listed similar companies have raised funding.
Company details
Jayabharat Credit Limited was founded in 1943 in Mumbai, India, and is involved in the financial services sector. Hire purchase financing is provided for heavy and light commercial vehicles, earth moving equipment, light motor vehicles, industrial equipment, and office equipment. Fixed and cumulative deposit schemes are also offered. Operations are conducted through two offices in Mumbai and four branches in Ahmedabad, Bangalore, Kolkata, and Delhi.
- Headquarters Mumbai, India
- Employees 11
- Stage Public
- SectorsFinancial Services
- Email••••••••
- Phone•••• ••••
- Website jayabharat.com
- Legal Name Jayabharat Credit Limited
- Market Cap₹6.02 Cr
JAYBHCR · BSE
- Share Price₹12.04
0.00% today
- EBITDA−₹1.06 Cr
FY 2025-26
- Net Profit−₹1.06 Cr
FY 2025-26 · -5.0% YoY
- Employee Count11
Associated legal entities of Jayabharat Credit
Jayabharat Credit is associated with 2 registered companies on The Company Check; the primary company is Jayabharat Credit Limited, a listed company. Each company page carries the filings, financials, charges and directors of that entity.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2026) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Jayabharat Credit Limited Listed CIN L66000DL1943PLC458206 | Active | 25 Mar 1943 | New Delhi, Delhi | 11 | 9 | View details | |
| Jayabharat Credit Limited CIN L66000MH1943PLC003899 | 25 Mar 1943 | Mumbai, Maharashtra, India | View details |
Board of directors of Jayabharat Credit Limited (Jayabharat Credit)
Jayabharat Credit Limited is the primary company behind Jayabharat Credit. The board of Jayabharat Credit Limited currently have 6 directors; the longest-serving is Rajiv Gupta, appointed in 1989. 10 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Rajiv Gupta DIN 00022964 | Director | 11 Jan 1989 | 37 yrs 9 mo | Jayabharat Credit Limited |
| Arun Mitter DIN 00022941 | Director | 30 Oct 2006 | 20 yrs | Jayabharat Credit Limited |
| Maharaj Krishan Madan DIN 01060575 | Director | 29 Apr 2009 | 17 yrs 6 mo | Jayabharat Credit Limited |
| Vishnu Singhal DIN 02421372 | Director | 01 Oct 2016 | 10 yrs 1 mo | Jayabharat Credit Limited |
| Preeti Singhal DIN 02237856 | Director | 19 Jan 2018 | 8 yrs 9 mo | Jayabharat Credit Limited |
| Neetu Singhal DIN 07783608 | Director | 27 Mar 2018 | 8 yrs 7 mo | Jayabharat Credit Limited |
People of Jayabharat Credit
1 people are tracked at Jayabharat Credit (1 in leadership); the tracked headcount is 11.
| Name | Role | Group |
|---|---|---|
| CEO & Chairman | Leadership |
Complete people profiles for Jayabharat Credit
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
- Team structure
- Board tenure
- Professional contacts
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IPO & Listings of Jayabharat Credit
Jayabharat Credit is a publicly listed company on the BSE with ticker symbol JAYBHCR in India, operating in the Finance 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.
- IPO date09 Oct 2001
- Listed onBSE: 501311
- Listed entityJayabharat Credit Limited
- Exchange sectorFinance
- ISININE998D01011
- Share price₹12.04 (-4.97% on the day) · 2026-10-07
- Volume (last session)700
Financials of Jayabharat Credit
Exchange-reported figures of Jayabharat Credit Limited, the listed company behind Jayabharat Credit (BSE: JAYBHCR).
Financial Highlights
FY 2025-26 · StandaloneRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 0.00 | 0.05 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Revenue growth | -100.0% | +400.0% | - | - | - | - | - |
| EBITDA | (1.06) | (0.93) | (1.16) | (1.17) | (0.89) | (1.08) | (1.14) |
| EBITDA margin | - | -1860.0% | - | - | - | - | - |
| Profit before tax | (1.06) | (0.93) | (1.07) | (0.60) | (0.88) | (0.79) | (1.15) |
| Net profit | (1.06) | (1.01) | (1.07) | (2.31) | (0.88) | (0.79) | (1.15) |
| Net profit margin | - | -2020.0% | - | - | - | - | - |
| EPS (₹) | (2.14) | (2.01) | (2.13) | (2.99) | (1.74) | (1.56) | (2.30) |
| Balance sheet | |||||||
| Total assets | (0.50) | (0.40) | (0.77) | (0.71) | 0.72 | 0.51 | 0.64 |
| Net worth | (61.93) | (60.86) | (59.85) | (58.79) | (57.29) | (56.42) | (55.64) |
| Total debt | 61.43 | 60.46 | 59.09 | 58.08 | 58.01 | 56.94 | 56.28 |
| Cash & bank | 0.02 | 0.07 | 0.02 | 0.04 | 0.05 | 0.02 | 0.03 |
| Net working capital | (0.50) | (0.40) | (0.78) | (0.71) | (0.24) | (0.51) | (0.39) |
| Cash flow | |||||||
| Cash from operations | (1.01) | (1.33) | (1.00) | (0.67) | (1.07) | (0.66) | (1.06) |
| Cash from investing | 0.00 | 0.00 | (0.02) | 0.91 | 0.00 | 0.00 | 0.00 |
| Cash from financing | 0.96 | 1.38 | 1.00 | (0.23) | 1.08 | 0.65 | 1.06 |
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.05 | 0.00 |
| Total expenses | 0.24 | 0.27 | 0.28 | 0.27 | 0.24 | 0.27 | 0.31 | 0.24 |
| EBITDA | (0.24) | (0.27) | (0.28) | (0.27) | (0.24) | (0.27) | (0.31) | (0.24) |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | (0.24) | (0.27) | (0.28) | (0.27) | (0.24) | (0.27) | (0.26) | (0.24) |
| Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.08 | 0.00 |
Financial Statements
| Particulars | Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.05 | 0.00 |
| Total expenses | 0.24 | 0.27 | 0.28 | 0.27 | 0.24 | 0.27 | 0.31 | 0.24 |
| EBITDA | (0.24) | (0.27) | (0.28) | (0.27) | (0.24) | (0.27) | (0.31) | (0.24) |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | (0.24) | (0.27) | (0.28) | (0.27) | (0.24) | (0.27) | (0.26) | (0.24) |
| Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.08 | 0.00 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 0.00 | 0.05 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Revenue growth | -100.0% | +400.0% | - | - | - | - | - |
| Other income | 0.00 | 0.01 | 0.10 | 0.87 | 0.02 | 0.30 | 0.00 |
| Total expenses | 1.06 | 0.98 | 1.17 | 1.17 | 0.89 | 1.08 | 1.14 |
| Employee cost | 0.00 | 0.00 | 0.00 | 0.05 | 0.10 | 0.27 | 0.26 |
| EBITDA | (1.06) | (0.93) | (1.16) | (1.17) | (0.89) | (1.08) | (1.14) |
| EBITDA margin | - | -1860.0% | - | - | - | - | - |
| Depreciation | 0.00 | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 |
| Interest | 0.00 | 0.00 | 0.00 | 0.30 | 0.00 | 0.00 | 0.00 |
| Profit before tax | (1.06) | (0.93) | (1.07) | (0.60) | (0.88) | (0.79) | (1.15) |
| Tax | 0.00 | 0.08 | 0.00 | 0.89 | 0.00 | 0.00 | 0.00 |
| Net profit | (1.06) | (1.01) | (1.07) | (2.31) | (0.88) | (0.79) | (1.15) |
| Net profit margin | - | -2020.0% | - | - | - | - | - |
| EPS (₹) | (2.14) | (2.01) | (2.13) | (2.99) | (1.74) | (1.56) | (2.30) |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| Reserves & surplus | (66.93) | (65.86) | (64.85) | (63.79) | (62.29) | (61.42) | (60.64) |
| Shareholders' funds (net worth) | (61.93) | (60.86) | (59.85) | (58.79) | (57.29) | (56.42) | (55.64) |
| Secured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 56.94 | 0.00 |
| Unsecured loans | 61.43 | 60.46 | 59.09 | 58.08 | 58.01 | 0.00 | 56.28 |
| Total debt | 61.43 | 60.46 | 59.09 | 58.08 | 58.01 | 56.94 | 56.28 |
| Total liabilities | (0.50) | (0.40) | (0.77) | (0.71) | 0.72 | 0.51 | 0.64 |
| Assets | |||||||
| Gross block | 0.02 | 0.02 | 0.02 | 0.00 | 1.18 | 1.18 | 1.18 |
| Net block | 0.00 | 0.01 | 0.01 | 0.00 | 0.26 | 0.27 | 0.28 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.02 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash & bank balances | 0.02 | 0.07 | 0.02 | 0.04 | 0.05 | 0.02 | 0.03 |
| Loans & advances | 0.01 | 0.09 | 0.01 | 0.01 | 0.03 | 0.02 | 0.02 |
| Total current assets | 0.03 | 0.16 | 0.03 | 0.05 | 0.08 | 0.04 | 0.05 |
| Total current liabilities | 0.53 | 0.56 | 0.81 | 0.76 | 0.32 | 0.55 | 0.44 |
| Net working capital | (0.50) | (0.40) | (0.78) | (0.71) | (0.24) | (0.51) | (0.39) |
| Total assets | (0.50) | (0.40) | (0.77) | (0.71) | 0.72 | 0.51 | 0.64 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 0.07 | 0.02 | 0.04 | 0.03 | 0.02 | 0.03 | 0.03 |
| Net cash from operating activities | (1.01) | (1.33) | (1.00) | (0.67) | (1.07) | (0.66) | (1.06) |
| Net cash from investing activities | 0.00 | 0.00 | (0.02) | 0.91 | 0.00 | 0.00 | 0.00 |
| Net cash from financing activities | 0.96 | 1.38 | 1.00 | (0.23) | 1.08 | 0.65 | 1.06 |
| Net change in cash | (0.05) | 0.04 | (0.02) | 0.01 | 0.02 | (0.01) | 0.00 |
| Closing cash | 0.02 | 0.07 | 0.02 | 0.04 | 0.05 | 0.02 | 0.03 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | -100.0% | +400.0% | - | - | - | - | - |
| EBITDA growth | -14.0% | +19.8% | +0.9% | -31.5% | +17.6% | +5.3% | - |
| PBT growth | -14.0% | +13.1% | -78.3% | +31.8% | -11.4% | +31.3% | +98.1% |
| Net income growth | -5.0% | +5.6% | +53.7% | -162.5% | -11.4% | +31.3% | - |
| Revenue CAGR (3Y) | - | - | - | - | -100.0% | - | -100.0% |
| EBITDA CAGR (3Y) | -3.2% | +1.5% | +2.4% | +0.9% | -75.5% | -6.2% | +27.5% |
| Profitability & leverage | |||||||
| Net income margin | - | -2020.0% | - | - | - | - | - |
| Return on capital employed | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Return on net worth | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Debt / equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Long-term debt / equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest cover | 0.00 | 0.00 | 0.00 | -25.64 | 0.00 | 0.00 | 0.00 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 0.00 | 3.00 | 11.00 | 1.47 | 0.02 | 0.25 | 0.00 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS (₹) | (2.14) | (2.01) | (2.13) | (2.99) | (1.74) | (1.56) | (2.30) |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | (123.86) | (121.72) | (119.70) | (117.58) | (114.59) | (112.84) | (111.29) |
Similar companies to Jayabharat Credit
Jayabharat Credit has 3 listed similar companies in our database, 3 of them funded. They include Hinduja Leyland Finance, Bajaj Auto Finance and OTO.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| hindujaleylandfinance.com | 2008 | Chennai, India | $276.07M | 14,664 | Vehicle and housing finance products are offered across India. | |
| bajajautofinance.com | 1987 | Pune, India | $10M | 109,163 | Auto finance loans are provided for two-wheelers, three-wheelers, and cars. | |
| otocapital.in | 2018 | Bengaluru, India | $29.66M | 229 | Two-wheeler loans are provided via a fintech platform for purchases. |
Detailed similar companies of Jayabharat Credit
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Top companies in Consumer and SME Loans
3 companies that operate in the same segment as Jayabharat Credit (Consumer and SME Loans) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Consumer and SME loans are provided by Manappuram Finance. | 1992 | Valapad, Kerala, India | USD 39.98 M | USD 1.01 B | 51,650 | |
Affordable home loans are extended to low and middle-income groups. | 2010 | Mumbai, Maharashtra, India | USD 209.7 M | USD 204.93 M | 1,634 | |
Diversified lending services are provided as a non-banking financial institution. | 1994 | Mumbai, Maharashtra, India | USD 1.9 B | 167 |
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Frequently Asked Questions about Jayabharat Credit
Jayabharat Credit was founded in 1943.
Jayabharat Credit is headquartered in Mumbai, India. It is registered at Mumbai, Maharashtra, India.
Rajiv Gupta is the CEO of Jayabharat Credit, as recorded in our data.
Jayabharat Credit has 11 employees.
Annual revenue of Jayabharat Credit is $3.24K as on Mar 31, 2022.
Jayabharat Credit Limited was founded in 1943 in Mumbai, India, and is involved in the financial services sector. Hire purchase financing is provided for heavy and light commercial vehicles, earth moving equipment, light motor vehicles, industrial equipment, and office equipment. Fixed and cumulative deposit schemes are also offered. Operations are conducted through two offices in Mumbai and four branches in Ahmedabad, Bangalore, Kolkata, and Delhi.
Jayabharat Credit's top competitors include Hinduja Leyland Finance, Bajaj Auto Finance and OTO.
Yes, Jayabharat Credit is publicly traded on BSE under the ticker symbol JAYBHCR.
Jayabharat Credit operates through Jayabharat Credit Limited.
The legal entities of Jayabharat Credit currently have 9 directors, including Vishnu Singhal, Preeti Singhal, Maharaj Krishan Madan and others.