About SMC Credits Limited.
Data last updated:
SMC Credits Limited. is a public limited company based in New Delhi, Delhi, India. It operates in the investment and credit NBFC segment of the financial services sector. It was incorporated on 15 July 1992 and has been in existence for over 34 years.
The company is registered with the Registrar of Companies (ROC), Delhi, under CIN L65910DL1992PLC049566. Its GSTIN is 07AAACS0197B1ZQ (Delhi). The company holds 2 GST registrations, all of them active. It is a listed company as per MCA records. Its shares are listed on BSE: 532138.
The company has an authorised share capital of ₹26 Cr and a paid-up capital of ₹25.06 Cr. It is led by directors including Rajesh Goenka (Whole-Time Director) and Manish Manwani.
Its last annual general meeting (AGM) was held on 30 September 2025, and its latest financial statements are for the year ended 31 March 2026. The registered office is at 24 Ashoka Chambers 5 – B Rajindra Park Pusa Road, New Delhi, Delhi, India – 110060.
As per the latest standalone financials for FY 2025-26, the company reported a revenue of ₹40.83 Cr, a growth of 127.1% compared to the previous year. For the same year it recorded a net profit of ₹32.03 Cr (net margin 78.4%) and EBITDA of ₹38.85 Cr (EBITDA margin 95.2%). The net worth stands at ₹1,152.62 Cr (down 7.2% YoY). Total assets are valued at ₹1,160.93 Cr (down 7.6% YoY).
The company is associated with 1 brand: SMC Credits Limited. As per MCA filings, the company has open charges of ₹85 Cr and satisfied charges of ₹30 Cr on record. Court records list 1 case involving the company, including 1 filed by the company; 1 case is pending.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website smccredits.com.
Company details
Contact details
SMC Credits Limited.'s registered office is in New Delhi, Delhi. Its website is smccredits.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered Address24 Ashoka Chambers 5 – B Rajindra Park Pusa Road, New Delhi, Delhi, India – 110060
- IndustryFinancial Services, Investment & Credit NBFC, NBFC
To see the full contact details of SMC Credits Limited., buy the company report.
- Company details, directors and signatories
- Historical financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Legal cases, compliance and MCA filings
Brands
SMC Credits Limited operates one associated brand: SMC Credits Limited. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Non-banking financial activities registered with the Reserve Bank of India. | smccredits.com |
Business activity
The main business activity of SMC Credits Limited is financial and insurance service. In detail, this covers other financial activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities |
To see the full business activity and turnover split of SMC Credits Limited., buy the company report.
Financials of SMC Credits Limited.
FY 2025-26 filings availableSMC Credits Limited. reported revenue of ₹40.83 Cr (up 127.1% YoY) for FY 2025-26.
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 |
To see the full year-wise statements and ratios of SMC Credits Limited., buy the company report.
Board of directors of SMC Credits Limited.
SMC Credits Limited has 4 current directors and 7 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Manish Manwani | Director | 25 Apr 2024 | 2 Years 5 Months | Current |
| Jyoti | Director | 08 Sep 2021 | 5 Years 1 Months | Current |
| Rajesh Ramnani | Director | 18 Jul 2022 | 4 Years 3 Months | Current |
| Rajesh Goenka | Whole-Time Director | 08 Sep 2021 | 5 Years 1 Months | Current |
Peer comparison
SMC Credits Limited. is compared with the 6 companies closest to it by revenue in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| SMC Credits Limited.this company | ₹40.83 Cr (FY 2026) | ₹32.03 Cr | 78.4% | 127.1% | New Delhi, Delhi, India | |
| Babul Holdings Private Limited | ₹4.16 Cr (FY 2025) | 940.0% | New Delhi, Delhi, India | |||
| HTC Global Financial Services Private Limited | ₹4.15 Cr (FY 2025) | 82.0% | Chennai, Tamil Nadu, India | |||
| Specie Finance Private Limited | ₹4.15 Cr (FY 2024) | 3.0% | Kolkata, West Bengal, India | |||
| Hitaishi Investments Ltd | ₹4.15 Cr (FY 2025) | 101.0% | Kolkata, West Bengal, India | |||
| A R T Leasing Limited | ₹4.14 Cr (FY 2024) | 10.0% | Chengannur, Kerala, India | |||
| Wisdom Finvest & Consultancy Pvt Ltd | ₹4.13 Cr (FY 2024) | 468.0% | Kolkata, West Bengal, India |
To see the full peer comparison of SMC Credits Limited., buy the company report.
Auditor
SMC Credits Limited. is audited by AVP & CO. for the financial year 2019.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| AVP & CO. | FY 2019 | 025193N |
Shareholding
Shareholding for the quarter ended Jun 2026: promoters hold 23.00%, foreign institutional investors hold 0.00%, domestic institutional investors hold 0.00% and retail and other public shareholders hold 77.00%.
| Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | |
|---|---|---|---|---|
| Promoters | 23.00% | 23.00% | 23.00% | 23.00% |
| Public | 77.00% | 77.00% | 77.00% | 77.00% |
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 18 May 2023 | 100723944 | Others | ₹85 Cr | Open | |
| 29 Sep 2018 | 100212186 | Others | ₹30 Cr | Satisfied |
To see the full charge records of SMC Credits Limited., buy the company report.
Total charge records: 2 View all charges
Legal cases
SMC Credits Limited. has 1 court case on record: 1 filed by SMC Credits Limited. All case is pending.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| High courts | 1 | 0 | 1 |
Cases on record (1 of 1)
| Court | Type of case | Party | Status |
|---|---|---|---|
| High Court of Delhi | Writ petition | Filed by the company against an individual | Pending |
To see the full case history of SMC Credits Limited., buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
MSME payment delays
No delayed payments to MSME suppliers are on our record for SMC Credits Limited.; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
GST
SMC Credits Limited has 2 GST registrations: 2 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 07AAACS0197B1ZQ | Delhi | Active | 01 Jul 2017 |
| 06AAACS0197B1ZS | Haryana | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of SMC Credits Limited., buy the company report.
Recent activity
SMC Credits Limited. has 9 board changes on record since 2009: 4 appointments and 5 cessations. The latest: Manish Manwani was appointed as Director on 25 Apr 2024.
3 earlier events are in the company report.
Frequently asked questions
SMC Credits Limited is an active public limited company based in New Delhi, Delhi, India. The company works in investment and credit nbfc, within the financial services industry. It was incorporated on 15 July 1992 (34+ years old) and is registered under CIN L65910DL1992PLC049566. Listed on BSE: 532138.
SMC Credits Limited reported revenue of ₹40.83 Cr for FY 2025-26 (up 127.1% YoY) based on standalone financials.
SMC Credits Limited has 4 current directors:
- Rajesh Goenka - Whole-Time Director
- Manish Manwani - Director
- Jyoti - Director
- Rajesh Ramnani - Director
The latest financial statements of SMC Credits Limited on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 30 September 2025. Year-wise statements from 2015 are in the company report.
The GSTIN of SMC Credits Limited is 07AAACS0197B1ZQ, registered in Delhi. The company has 2 GST registrations in all, of which 2 are active. Other active GSTINs include 06AAACS0197B1ZS (Haryana).
The CIN (Corporate Identification Number) of SMC Credits Limited is L65910DL1992PLC049566. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Yes. SMC Credits Limited is a listed company as per MCA records. Its shares are listed on BSE (code: 532138).
SMC Credits Limited has 1 court case on record: 1 filed by the company. 1 is pending.
SMC Credits Limited was incorporated on 15 July 1992, making it 34+ years old. It is registered with the Registrar of Companies, Delhi.
The peers of SMC Credits Limited by revenue are Babul Holdings Private Limited, HTC Global Financial Services Private Limited, Specie Finance Private Limited, Hitaishi Investments Ltd, A R T Leasing Limited and 1 more, all in the BFSI industry (NBFC Investment and Credit Companies, Small Non Deposit NBFC), with the same principal business activity (other financial activities).
Manish Manwani was appointed as Director on 25 Apr 2024. Harsh Priya Arya ceased to be Director on 18 Jul 2022. Rajesh Ramnani was appointed as Director on 18 Jul 2022. SMC Credits Limited has 9 board changes on record in total.