About United Credit Ltd
Data last updated: 15 July 2026
United Credit Ltd is a public limited company based in Kolkata, West Bengal, India. It specialises in investment and credit NBFC, a part of the broader financial services sector. Incorporated on 28 July 1970, the company has been in operation for over 56 years.
Registered with ROC Kolkata under CIN L65993WB1970PLC027781. Listed on BSE: 531091.
Capital: an authorised share capital of ₹20 Cr and a paid-up capital of ₹5.33 Cr. It is led by directors including Ashok Kumar Dabriwala and Devashish Dabriwal.
Last AGM: 15 September 2025. Financial statements filed for year ended 31 March 2025. Office: 27B Camac Street 8Th Floor, Kolkata, West Bengal, India – 700016.
As per BSE-filed standalone financials for FY 2024, the company reported a revenue of ₹3.4 Cr, a growth of 17.29% compared to the previous year. The net worth stands at ₹28.99 Cr (up 6.01% YoY). Total assets are valued at ₹29.87 Cr (up 4.06% YoY).
The company has a workforce of approximately 9 employees as per the latest available data.
The company is associated with 1 brand - United Credit. As per MCA filings, the company has open charges of ₹13 Lakh and satisfied charges of ₹2.7 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website unitedcreditltd.com.
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Registered Address27B Camac Street 8Th Floor, Kolkata, West Bengal, India – 700016
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IndustryFinancial Services, Investment & Credit NBFC, NBFC
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
CIN History of United Credit Ltd
United Credit Ltd has one previous CIN (Corporate Identification Number): L99999WB1970PLC027781. The current CIN is L65993WB1970PLC027781, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L65993WB1970PLC027781 | Current |
| L99999WB1970PLC027781 | Previous |
Associated Brands with United Credit Ltd
United Credit Ltd operates one associated brand: United Credit. These brands represent United Credit Ltd's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Asset financing is provided via hire purchase to Indian customers. | unitedcreditltd.com |
Competitors & Alternatives of United Credit Ltd
Brands and companies operating in the same space as United Credit Ltd include Hinduja Leyland Finance, Sundaram Finance, GE Capital and 6 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
Hinduja Leyland Finance
|
Vehicle and housing finance products are offered across India. | Chennai, India, India | 2008 |
Sundaram Finance
|
Provider of consumer & SME loans and equipment & vehicle leasing services | Chennai, India, India | 1954 |
GE Capital
|
Commercial aircraft and equipment leasing and lending services are provided. | United States | 1932 |
Skootr FinSave
|
Equipment leasing solutions for managed offices and workspaces are provided. | Gurugram, India, India | 2020 |
National Asset Reconstruction
|
Non-banking financial institution tasked with cleaning up legacy stressed assets | Mumbai, India, India | 2021 |
Summit Securities
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Provider of investment finance services | Mumbai, India, India | 2008 |
Sakhti Finance
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Offers loans for used commercial vehicles and construction equipment financing. | Coimbatore, India, India | 1955 |
MGF
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Asset finance arm | Delhi, India, India | 1930 |
Devmuni Leasing And Finance
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Financing and leasing services are provided to clients in India. | Delhi, India, India | 1995 |
Business Activity of United Credit Ltd
United Credit Ltd operates primarily in the financial and insurance service and real estate sectors. The company has 2 registered business activity segments, reflecting its diverse operational portfolio.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| Locked | Financial and insurance Service | Locked | Financial and Credit leasing activities | Locked |
| Locked | Real Estate | Locked | Real estate activities on fee or contract basis | Locked |
Detailed business activity records for United Credit Ltd
Activity codes and turnover contribution percentages require an active report plan.
- Activity group codes
- Detailed activity codes
- Turnover contribution
Verified entity values are shown only after access is granted.
Auditor Details of United Credit Ltd
United Credit Ltd is audited by L. B. JHA & CO. for the financial year 2019. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| L. B. JHA & CO. | Locked | Locked | Locked |
Complete auditor history for United Credit Ltd
Appointment status, appointment dates, cessation dates, and historical auditor changes require an active report plan.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
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Board of Directors of United Credit Ltd
United Credit Ltd is currently managed by 6 directors, with 10 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
|
Ashok Kumar Dabriwala
Also directs:
Dabriwala Banijya Udyog Ltd, Dabriwala Traders Pvt Ltd
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Managing Director | 27 Jul 1989 | 36 Years 11 Months | Current |
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Devashish Dabriwal
Also directs:
Dabriwala Banijya Udyog Ltd, Jaybhikshu Cotspin Private Limited
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Director | 21 Jan 2004 | 22 Years 6 Months | Current |
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Rashmi Dabriwal
Also directs:
Jaybhikshu Cotspin Private Limited
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Director | 07 Feb 2014 | 12 Years 5 Months | Current |
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Pramod Dhelia
Also directs:
N G Industries Ltd, Commercial Point Owners' Association Limited, Pramod Credit Pvt Ltd and 1 more
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Director | 12 Dec 2022 | 3 Years 7 Months | Current |
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Suresh Kumar Kandoi
Also directs:
Subgreen Wudtech Private Limited
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Director | 13 Aug 2024 | 1 Years 11 Months | Current |
| Rashmi Bihani | Director | 13 Aug 2024 | 1 Years 11 Months | Current |
Financials of United Credit Ltd FY 2024 filings available
United Credit Ltd reported revenue of ₹3.4 Cr (up 17.29% YoY) for FY 2024.
| Metrics | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Revenue from Operations | ₹3.4 Cr | ₹2.9 Cr | ₹2.7 Cr | ₹2.71 Cr | ₹2.89 Cr | ₹2.56 Cr |
| Interest Earned | ₹2.26 Cr | ₹2.03 Cr | ₹1.94 Cr | ₹1.95 Cr | ₹1.88 Cr | - |
| Other Income | ₹70.95 Lakh | ₹2.95 Lakh | ₹16.98 Lakh | ₹6.74 Lakh | ₹6.7 Lakh | ₹5.29 Cr |
| Total Income | ₹4.11 Cr | ₹2.92 Cr | ₹2.87 Cr | ₹2.78 Cr | ₹2.96 Cr | - |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹74.01 Lakh | ₹73.94 Lakh | ₹68.83 Lakh | ₹73.13 Lakh | ₹72.74 Lakh | ₹67.79 Lakh |
| Finance Costs | ₹89,000 | ₹67,000 | ₹0 | ₹0 | ₹0 | ₹7,000 |
| Depreciation & Amortisation | ₹6.78 Lakh | ₹5.53 Lakh | ₹1.87 Lakh | ₹2.63 Lakh | ₹3.39 Lakh | - |
| Other Expenses | ₹1.18 Cr | ₹1.18 Cr | ₹82.74 Lakh | ₹81.87 Lakh | ₹1 Cr | ₹3.36 Cr |
| Total Expenses | ₹2.03 Cr | ₹2.06 Cr | ₹1.59 Cr | ₹1.58 Cr | ₹1.78 Cr | ₹4.08 Cr |
| Profit Before Exceptional Items & Tax | ₹2.08 Cr | ₹86.69 Lakh | ₹1.28 Cr | ₹1.2 Cr | ₹1.18 Cr | - |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | - |
| Profit Before Tax | ₹2.08 Cr | ₹86.69 Lakh | ₹1.28 Cr | ₹1.2 Cr | ₹1.18 Cr | ₹3.76 Cr |
| Total Tax Expense | ₹44.12 Lakh | ₹14.27 Lakh | ₹52.49 Lakh | ₹32.36 Lakh | ₹28.86 Lakh | ₹1.54 Cr |
| Net Profit | ₹1.64 Cr | ₹72.42 Lakh | ₹75.41 Lakh | ₹87.38 Lakh | ₹89.51 Lakh | ₹2.22 Cr |
| Other Comprehensive Income | ₹67,000 | ₹0 | ₹1.07 Lakh | ₹87,000 | ₹66,000 | - |
| Total Comprehensive Income | ₹1.64 Cr | ₹72.42 Lakh | ₹76.48 Lakh | ₹88.25 Lakh | ₹90.17 Lakh | - |
| EBITDA (computed) | ₹2.15 Cr | ₹92.89 Lakh | ₹1.3 Cr | ₹1.22 Cr | ₹1.22 Cr | - |
| Basic EPS | ₹3.07 | ₹0.00 | ₹1.42 | ₹1.64 | ₹1.68 | - |
| Diluted EPS | ₹3.07 | ₹0.00 | ₹1.42 | ₹1.64 | ₹1.68 | - |
| Metrics | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Total Assets | ₹29.87 Cr | ₹28.7 Cr | ₹27.57 Cr | ₹26.82 Cr | ₹26.83 Cr | ₹26.65 Cr |
| Non-current Assets | - | - | - | - | - | ₹11.49 Cr |
| Current Assets | - | - | - | - | - | ₹15.16 Cr |
| Property, Plant & Equipment | ₹18.37 Lakh | ₹22 Lakh | ₹5.28 Lakh | ₹6.41 Lakh | ₹8.57 Lakh | - |
| Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Cash & Equivalents | ₹88.13 Lakh | ₹40.94 Lakh | ₹11.05 Lakh | ₹13.55 Lakh | ₹7.44 Lakh | ₹42 Lakh |
| Equity (Net Worth) | ₹28.99 Cr | ₹27.34 Cr | ₹26.63 Cr | ₹25.87 Cr | ₹24.99 Cr | - |
| Equity Share Capital | ₹5.49 Cr | ₹5.49 Cr | ₹5.49 Cr | ₹5.49 Cr | ₹5.49 Cr | - |
| Current Liabilities | - | - | - | - | - | ₹1.23 Cr |
| Total Liabilities | ₹88.15 Lakh | ₹1.36 Cr | ₹93.42 Lakh | ₹95.73 Lakh | ₹1.85 Cr | - |
| Metrics | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|
| Operating Cash Flow | ₹53 Lakh | ₹31.3 Lakh | ₹43.22 Lakh |
| Investing Cash Flow | -₹34,000 | -₹13.37 Lakh | -₹45.73 Lakh |
| Financing Cash Flow | -₹5.47 Lakh | ₹11.96 Lakh | ₹0 |
| Capital Expenditure | ₹3.18 Lakh | ₹22.25 Lakh | ₹73,000 |
| Free Cash Flow (computed) | ₹49.82 Lakh | ₹9.05 Lakh | ₹42.49 Lakh |
| Dividends Paid | ₹0 | ₹0 | ₹0 |
| Net Change in Cash | ₹47.19 Lakh | ₹29.89 Lakh | -₹2.52 Lakh |
| Metrics | Q3 FY25 | Q2 FY25 | Q1 FY25 |
|---|---|---|---|
| Revenue from Operations | ₹88.67 Lakh | ₹87.67 Lakh | ₹86.62 Lakh |
| Interest Earned | ₹58.71 Lakh | ₹57.75 Lakh | ₹56.74 Lakh |
| Other Income | ₹6.13 Lakh | ₹14.75 Lakh | ₹12.44 Lakh |
| Total Income | ₹94.8 Lakh | ₹1.02 Cr | ₹99.06 Lakh |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹19.25 Lakh | ₹22.1 Lakh | ₹18.86 Lakh |
| Finance Costs | ₹25,000 | ₹13,000 | ₹16,000 |
| Depreciation & Amortisation | ₹1.76 Lakh | ₹1.29 Lakh | ₹1.22 Lakh |
| Other Expenses | ₹31.2 Lakh | ₹26.81 Lakh | ₹40.03 Lakh |
| Total Expenses | ₹53.37 Lakh | ₹51.12 Lakh | ₹61.04 Lakh |
| Profit Before Exceptional Items & Tax | ₹41.43 Lakh | ₹51.3 Lakh | ₹38.02 Lakh |
| Exceptional Items | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹41.43 Lakh | ₹51.3 Lakh | ₹38.02 Lakh |
| Total Tax Expense | ₹14.26 Lakh | ₹8.22 Lakh | ₹11.79 Lakh |
| Net Profit | ₹27.17 Lakh | ₹43.08 Lakh | ₹26.23 Lakh |
| Other Comprehensive Income | ₹0 | ₹0 | ₹0 |
| Total Comprehensive Income | ₹27.17 Lakh | ₹43.08 Lakh | ₹26.23 Lakh |
| EBITDA (computed) | ₹43.44 Lakh | ₹52.72 Lakh | ₹39.4 Lakh |
| Basic EPS | ₹0.00 | ₹0.81 | ₹0.49 |
| Diluted EPS | ₹0.00 | ₹0.81 | ₹0.49 |
| Segment · Q3 FY25 (latest quarter) | Revenue | Result (PBIT) | Assets | Liabilities |
|---|---|---|---|---|
| Financing Activity | ₹58.71 Lakh | ₹57.23 Lakh | ₹19.56 Cr | ₹0 |
| Renting Activity | ₹29.96 Lakh | ₹12.96 Lakh | ₹9.17 Cr | ₹55.59 Lakh |
| Segment · FY 2024 (annual) | Revenue | Result (PBIT) | Assets | Liabilities |
|---|---|---|---|---|
| Financing Activity | ₹2.26 Cr | ₹2.21 Cr | - | - |
| Renting Activitiy | ₹1.14 Cr | ₹53.56 Lakh | - | - |
Shareholding Pattern of United Credit Ltd
As per the shareholding pattern filed with BSE for the quarter ended Mar 2026, promoters hold 57.31%, domestic institutional investors hold 0.01%, retail and other public shareholders hold 42.16% of United Credit Ltd. The company had 2,581 shareholders on record.
| Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Promoters | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% |
| Public | 42.69% | 42.69% | 42.69% | 42.69% | 42.69% | 42.69% |
| Mar 2026 | Mar 2025 | Mar 2024 | |
|---|---|---|---|
| Promoters | 57.31% | 57.31% | 57.31% |
| Public | 42.69% | 42.69% | 42.69% |
| Promoter change (YoY, %pts) | +0.00 | +0.00 | - |
Charges & Borrowings of United Credit Ltd
| Date | Lender | Amount | Status |
|---|---|---|---|
| 04 Nov 2024 | Hdfc Bank Limited | ₹13 Lakh | Open |
| 25 Jul 2022 | Hdfc Bank Limited | ₹15.59 Lakh | Satisfied |
| 24 Aug 2015 | Hdfc Bank Limited | ₹10 Lakh | Satisfied |
| 31 Jan 2015 | Hdfc Bank Limited | ₹13 Lakh | Satisfied |
| 04 Feb 2008 | Hdfc Bank Limited | ₹6.65 Lakh | Satisfied |
Total charge records: 10 View all charges
Employees and EPFO Compliance at United Credit Ltd
United Credit Ltd has a workforce of 9 employees as of Apr 06, 2024.
Employee and EPFO history for United Credit Ltd
Monthly headcount, contribution history, establishment records, and filing compliance require an active report plan.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
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GST Compliance of United Credit Ltd
GST registrations and filing compliance for United Credit Ltd
State-wise registrations, return filing status, HSN and SAC details, and jurisdiction records require an active report plan.
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Credit Ratings, Litigation & Regulatory Alerts for United Credit Ltd
Credit ratings, litigation, and regulatory alerts for United Credit Ltd
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- Rating history
- Court and tribunal cases
- Regulatory alerts
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MSME Payment Delays by United Credit Ltd
MSME payment history for United Credit Ltd
Amounts outstanding to micro and small suppliers, delay reasons, and MSME-1 filing history require an active report plan.
- Outstanding amounts
- Delay periods and reasons
- MSME-1 filing history
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Subsidiaries & Group Companies of United Credit Ltd
Corporate group structure for United Credit Ltd
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MCA Filings & Documents of United Credit Ltd
MCA filings and documents for United Credit Ltd
Official forms, annual returns, financial statements, charge filings, and document dates require an active report plan.
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- Annual returns and statements
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Recent Activity on United Credit Ltd
Frequently Asked Questions about United Credit Ltd
United Credit Ltd is an active public limited company in the financial services sector based in Kolkata, West Bengal, India. It was incorporated on 28 July 1970 (56+ years old) and is registered under CIN L65993WB1970PLC027781. Listed on BSE: 531091. The company has 9 employees.
United Credit Ltd reported revenue of ₹3.4 Cr for FY 2024 (up 17.29% YoY) based on standalone BSE filings.
The current directors of United Credit Ltd are:
- Ashok Kumar Dabriwala - Managing Director
- Devashish Dabriwal - Director
- Rashmi Dabriwal - Director
- Pramod Dhelia - Director
- Suresh Kumar Kandoi - Director
- Rashmi Bihani - Director
The primary industry of United Credit Ltd is financial services. The company specifically operates in investment and credit nbfc. The company is currently active in this sector.
Yes. United Credit Ltd is listed on BSE with code 531091.
United Credit Ltd can be reached at the registered office: 27B Camac Street 8Th Floor, Kolkata, West Bengal, India – 700016, or through the website unitedcreditltd.com.