About SMC Credits Limited
SMC Credits Limited is a publicly listed company based in Delhi (India). Non-banking financial activities registered with the Reserve Bank of India. Its Indian entity Smc Credits Limited. reported revenue of ₹42.44 Cr. SMC Credits Limited offers products and services including Non-Banking Financial Services and Financial Advisory Services. Its focus areas include Non-Banking Finance, Financial Activities, Lending and Credit Services and Investment and Finance.
Company details
SMC Credits Limited was incorporated in 1992 under the Companies Act, 1956, and is engaged in non-banking financial activities that are registered with the Reserve Bank of India. It is noted that public deposits are not accepted by the company. Operations are conducted from its location in New Delhi, India, where financial services are provided without involvement in public deposit schemes. Contact details, including email and phone, are made available for inquiries, ensuring updates are accessible through the website. The companys activities focus on financial operations in a regulated environment.
- Headquarters Delhi, India
- Stage Public
- SectorsFinancial Services
- Email••••••••
- Legal Name Smc Credits Limited
- Date of Incorporation 15 Jul, 1992
- Jurisdiction New Delhi, Delhi, India
- Market Cap₹5.64 Cr
SMCREDT · BSE
- Share Price₹6,88,128.00
0.00% today
- Revenue₹40.83 Cr
FY 2025-26 · +127.1% YoY
- EBITDA₹38.85 Cr
Margin 95.2%
- Net Profit₹32.03 Cr
FY 2025-26 · +155.8% YoY
- ROE2.7%
ROCE 3.3%
- Debt / Equity0.01
Interest cover 1.3x
Associated legal entities of SMC Credits Limited
SMC Credits Limited operates through Smc Credits Limited., a listed company (active). Its filings, financials, charges and directors are on the company page.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2026) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Smc Credits Limited. Listed CIN L65910DL1992PLC049566 | Active | 15 Jul 1992 | New Delhi, Delhi | ₹42.4 Cr | 6 | View details |
Products & Services of SMC Credits Limited
SMC Credits Limited offers a comprehensive portfolio of products and services, including Non-Banking Financial Services and Financial Advisory Services.
Non-banking financial activities are provided as registered with the Reserve Bank of India
Financial advice is offered in relation to non-banking activities
Board of directors of Smc Credits Limited. (SMC Credits Limited)
Smc Credits Limited. is the primary company behind SMC Credits Limited. The board of Smc Credits Limited. currently have 4 directors; the longest-serving is Jyoti, appointed in 2021. 7 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Jyoti DIN 09311715 | Director | 08 Sep 2021 | 5 yrs 1 mo | Smc Credits Limited. |
| Rajesh Goenka DIN 00298227 | Whole-time director | 08 Sep 2021 | 5 yrs 1 mo | Smc Credits Limited. |
| Rajesh Ramnani DIN 00533679 | Director | 18 Jul 2022 | 4 yrs 3 mo | Smc Credits Limited. |
| Manish Manwani DIN 03111938 | Director | 25 Apr 2024 | 2 yrs 6 mo | Smc Credits Limited. |
IPO & Listings of SMC Credits Limited
SMC Credits Limited is a publicly listed company on the BSE with ticker symbol SMCREDT in India. 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 onBSE: SMCREDT
- Listed entitySmc Credits Limited.
Financials of SMC Credits Limited
Exchange-reported figures of Smc Credits Limited., the listed company behind SMC Credits Limited (BSE: SMCREDT).
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 | 40.83 | 17.98 | 8.27 | 4.52 | 4.26 | 4.19 | 5.51 |
| Revenue growth | +127.1% | +117.4% | +83.0% | +6.1% | +1.7% | -24.0% | - |
| EBITDA | 38.85 | 15.82 | 7.02 | 3.24 | 3.93 | 3.54 | 4.70 |
| EBITDA margin | +95.2% | +88.0% | +84.9% | +71.7% | +92.3% | +84.5% | +85.3% |
| Profit before tax | 39.90 | 15.58 | 6.32 | 11.82 | 3.34 | 2.99 | 3.38 |
| Net profit | 32.03 | 12.52 | 3.08 | 2.42 | 2.60 | 4.50 | 3.19 |
| Net profit margin | +78.5% | +69.6% | +37.2% | +53.5% | +61.0% | +107.4% | +57.9% |
| EPS (₹) | 12.99 | 5.00 | 1.23 | 4.08 | 2.59 | 4.49 | 3.19 |
| Balance sheet | |||||||
| Total assets | 1,161 | 1,256 | 1,080 | 992 | 522 | 512 | 283 |
| Net worth | 1,153 | 1,242 | 1,062 | 972 | 501 | 491 | 258 |
| Total debt | 8.32 | 13.88 | 17.91 | 20.54 | 21.65 | 21.09 | 25.67 |
| Cash & bank | 2.66 | 0.04 | 1.41 | 9.38 | 1.37 | 0.30 | 5.70 |
| Net working capital | (0.55) | (4.44) | 3.86 | 9.16 | 1.78 | 0.51 | 5.84 |
| Cash flow | |||||||
| Cash from operations | 0.05 | 23.18 | 8.89 | 2.46 | (0.34) | (3.70) | 4.14 |
| Cash from investing | 2.57 | (24.55) | (16.86) | (9.28) | 1.41 | (1.70) | 1.19 |
| Cash from financing | 0.00 | 0.00 | 0.00 | 14.82 | 0.00 | 0.00 | 0.00 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 6.66 | 1.95 | 4.22 | 8.80 | 10.47 | 3.30 | 1.99 | 8.00 |
| Revenue growth (YoY) | -36.4% | -40.9% | +112.1% | +10.0% | +418.3% | - | - | - |
| Other income | 0.51 | 0.04 | 0.89 | 0.42 | 15.67 | 1.19 | 2.10 | 0.21 |
| Total expenses | 0.47 | 0.84 | 0.53 | 0.37 | 0.25 | 0.55 | 0.30 | 0.98 |
| EBITDA | 6.19 | 1.11 | 3.69 | 8.43 | 10.22 | 2.75 | 1.69 | 7.02 |
| EBITDA margin | +92.9% | +56.9% | +87.4% | +95.8% | +97.6% | +83.3% | +84.9% | +87.8% |
| Depreciation | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.00 |
| Interest | 0.18 | 0.13 | 0.10 | 0.09 | 0.20 | 0.25 | 0.26 | 0.38 |
| Profit before tax | 6.51 | 1.00 | 4.47 | 8.75 | 25.68 | 3.67 | 3.52 | 6.85 |
| Tax | 1.63 | 4.00 | 0.20 | (0.45) | 3.61 | 0.27 | 0.79 | 1.68 |
Financial Statements
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 6.66 | 1.95 | 4.22 | 8.80 | 10.47 | 3.30 | 1.99 | 8.00 |
| Revenue growth (YoY) | -36.4% | -40.9% | +112.1% | +10.0% | +418.3% | - | - | - |
| Other income | 0.51 | 0.04 | 0.89 | 0.42 | 15.67 | 1.19 | 2.10 | 0.21 |
| Total expenses | 0.47 | 0.84 | 0.53 | 0.37 | 0.25 | 0.55 | 0.30 | 0.98 |
| EBITDA | 6.19 | 1.11 | 3.69 | 8.43 | 10.22 | 2.75 | 1.69 | 7.02 |
| EBITDA margin | +92.9% | +56.9% | +87.4% | +95.8% | +97.6% | +83.3% | +84.9% | +87.8% |
| Depreciation | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.00 |
| Interest | 0.18 | 0.13 | 0.10 | 0.09 | 0.20 | 0.25 | 0.26 | 0.38 |
| Profit before tax | 6.51 | 1.00 | 4.47 | 8.75 | 25.68 | 3.67 | 3.52 | 6.85 |
| Tax | 1.63 | 4.00 | 0.20 | (0.45) | 3.61 | 0.27 | 0.79 | 1.68 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 40.83 | 17.98 | 8.27 | 4.52 | 4.26 | 4.19 | 5.51 |
| Revenue growth | +127.1% | +117.4% | +83.0% | +6.1% | +1.7% | -24.0% | - |
| Other income | 1.61 | 1.03 | 0.81 | 10.17 | 0.98 | 0.97 | 0.88 |
| Total expenses | 1.98 | 2.16 | 1.25 | 1.28 | 0.33 | 0.65 | 0.81 |
| Employee cost | 0.40 | 0.34 | 0.18 | 0.07 | 0.06 | 0.06 | 0.00 |
| EBITDA | 38.85 | 15.82 | 7.02 | 3.24 | 3.93 | 3.54 | 4.70 |
| EBITDA margin | +95.2% | +88.0% | +84.9% | +71.7% | +92.3% | +84.5% | +85.3% |
| Depreciation | 0.05 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 |
| Interest | 0.51 | 1.23 | 1.47 | 1.56 | 1.54 | 1.49 | 2.16 |
| Profit before tax | 39.90 | 15.58 | 6.32 | 11.82 | 3.34 | 2.99 | 3.38 |
| Tax | 7.36 | 3.06 | 3.24 | 1.59 | 0.74 | (1.51) | 0.19 |
| Net profit | 32.03 | 12.52 | 3.08 | 2.42 | 2.60 | 4.50 | 3.19 |
| Net profit margin | +78.5% | +69.6% | +37.2% | +53.5% | +61.0% | +107.4% | +57.9% |
| EPS (₹) | 12.99 | 5.00 | 1.23 | 4.08 | 2.59 | 4.49 | 3.19 |
| 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 | 25.06 | 25.06 | 25.06 | 25.06 | 10.02 | 10.02 | 10.02 |
| Reserves & surplus | 1,128 | 1,217 | 1,037 | 947 | 490 | 481 | 248 |
| Shareholders' funds (net worth) | 1,153 | 1,242 | 1,062 | 972 | 501 | 491 | 258 |
| Secured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | 8.32 | 13.88 | 17.91 | 20.54 | 21.65 | 21.09 | 25.67 |
| Total debt | 8.32 | 13.88 | 17.91 | 20.54 | 21.65 | 21.09 | 25.67 |
| Total liabilities | 1,161 | 1,256 | 1,080 | 992 | 522 | 512 | 283 |
| Assets | |||||||
| Gross block | 1.89 | 2.03 | 2.02 | 2.01 | 2.83 | 2.83 | 2.83 |
| Net block | 1.35 | 1.51 | 1.54 | 1.56 | 2.10 | 2.14 | 2.17 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 1,129 | 1,232 | 1,043 | 939 | 474 | 468 | 238 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 0.08 | 0.18 | 0.07 | 0.01 | 0.47 | 0.14 | 0.03 |
| Cash & bank balances | 2.66 | 0.04 | 1.41 | 9.38 | 1.37 | 0.30 | 5.70 |
| Loans & advances | 0.21 | 0.60 | 3.30 | 0.65 | 0.28 | 0.38 | 0.28 |
| Total current assets | 2.95 | 0.82 | 4.78 | 10.04 | 2.12 | 0.82 | 6.01 |
| Total current liabilities | 3.50 | 5.26 | 0.92 | 0.88 | 0.34 | 0.31 | 0.17 |
| Net working capital | (0.55) | (4.44) | 3.86 | 9.16 | 1.78 | 0.51 | 5.84 |
| Total assets | 1,161 | 1,256 | 1,080 | 992 | 522 | 512 | 283 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 0.04 | 1.41 | 9.38 | 1.37 | 0.30 | 5.70 | 0.38 |
| Net cash from operating activities | 0.05 | 23.18 | 8.89 | 2.46 | (0.34) | (3.70) | 4.14 |
| Net cash from investing activities | 2.57 | (24.55) | (16.86) | (9.28) | 1.41 | (1.70) | 1.19 |
| Net cash from financing activities | 0.00 | 0.00 | 0.00 | 14.82 | 0.00 | 0.00 | 0.00 |
| Net change in cash | 2.62 | (1.37) | (7.97) | 8.01 | 1.07 | (5.40) | 5.32 |
| Closing cash | 2.66 | 0.04 | 1.41 | 9.38 | 1.37 | 0.30 | 5.70 |
| 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 | +127.1% | +117.4% | +83.0% | +6.1% | +1.7% | -24.0% | - |
| EBITDA growth | +145.6% | +125.4% | +116.7% | -17.6% | +11.0% | -24.7% | - |
| PBT growth | +156.1% | +146.5% | -46.5% | +253.9% | +11.7% | -11.5% | +39.1% |
| Net income growth | +155.8% | +306.5% | +27.3% | -6.9% | -42.2% | +41.1% | - |
| Revenue CAGR (3Y) | +108.3% | +61.6% | +25.4% | -6.4% | +10.5% | +21.3% | +36.4% |
| EBITDA CAGR (3Y) | +128.9% | +59.1% | +25.6% | -11.7% | +16.0% | +20.4% | +39.0% |
| Profitability & leverage | |||||||
| Net income margin | +79.7% | +69.6% | +37.2% | +226.3% | +61.0% | +107.4% | +57.9% |
| Return on capital employed | +3.3% | +1.4% | +0.8% | +0.6% | +0.9% | +1.1% | +1.7% |
| Return on net worth | +2.7% | +1.1% | +0.3% | +0.3% | +0.5% | +1.2% | +1.0% |
| Debt / equity | 0.01 | 0.01 | 0.02 | 0.03 | 0.04 | 0.06 | 0.08 |
| Long-term debt / equity | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 |
| Interest cover | 1.31 | 7.79 | 21.06 | 48.60 | 39.49 | 42.45 | 46.35 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 21.65 | 9.39 | 4.51 | 6.07 | 1.85 | 1.82 | 2.54 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 326.46 | 152.08 | 227.00 | 61.21 | 17.18 | 60.71 | 319.50 |
| EPS (₹) | 12.99 | 5.00 | 1.23 | 4.08 | 2.59 | 4.49 | 3.19 |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 460.02 | 495.67 | 423.79 | 387.83 | 499.42 | 489.85 | 257.05 |
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Frequently Asked Questions about SMC Credits Limited
SMC Credits Limited is headquartered in Delhi, India. It is registered at Delhi, Delhi, India.
The primary company behind SMC Credits Limited, Smc Credits Limited., reported revenue of ₹42.44 Cr for FY 2026, up 127% year on year.
SMC Credits Limited was incorporated in 1992 under the Companies Act, 1956, and is engaged in non-banking financial activities that are registered with the Reserve Bank of India. It is noted that public deposits are not accepted by the company. Operations are conducted from its location in New Delhi, India, where financial services are provided without involvement in public deposit schemes. Contact details, including email and phone, are made available for inquiries, ensuring updates are accessible through the website. The companys activities focus on financial operations in a regulated environment.
SMC Credits Limited offers Non-Banking Financial Services and Financial Advisory Services.
Yes, SMC Credits Limited is publicly traded on BSE under the ticker symbol SMCREDT.
SMC Credits Limited operates through Smc Credits Limited..
The legal entities of SMC Credits Limited currently have 5 directors, including Manish Manwani, Rajesh Goenka, Ankit Aggarwal and others.