About United Credit Ltd
Data last updated:
United Credit Ltd is a public limited company based in Kolkata, West Bengal, India. It operates in the investment and credit NBFC segment of the financial services sector. It was incorporated on 28 July 1970 and has been in existence for over 56 years.
The company is registered with the Registrar of Companies (ROC), Kolkata, under CIN L65993WB1970PLC027781. Its GSTIN is 19AAACU3254F1ZF (West Bengal). It is a listed company as per MCA records. Its shares are listed on BSE: 531091.
The company has 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 (Managing Director) and Devashish Dabriwal.
Its last annual general meeting (AGM) was held on 15 September 2025, and its latest financial statements are for the year ended 31 March 2026. The registered office is at 27B Camac Street 8th Floor, Kolkata, West Bengal, India – 700016.
As per the latest standalone financials for FY 2025-26, the company reported a revenue of ₹3.19 Cr, a decline of 14.2% compared to the previous year. For the same year it recorded a net profit of ₹86 Lakh (net margin 27%) and EBITDA of ₹1.21 Cr (EBITDA margin 37.9%). The net worth stands at ₹30.85 Cr (up 2.9% YoY). Total assets are valued at ₹31.14 Cr (up 3.4% YoY).
The company has about 9 employees on its provident fund (EPFO) records.
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. Court records list 180 cases involving the company, including 143 filed by the company and 37 filed against it; 34 cases are pending. The company has 5 deals on record (5 market trades); the latest was in August 2010.
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.
Company details
CIN history
United Credit 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 |
Contact details
United Credit Ltd's registered office is in Kolkata, West Bengal. Its website is unitedcreditltd.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered Address27B Camac Street 8th Floor, Kolkata, West Bengal, India – 700016
- IndustryFinancial Services, Investment & Credit NBFC, NBFC
To see the full contact details of United Credit Ltd, 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
United Credit operates one associated brand: United Credit. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Asset financing is provided via hire purchase to Indian customers. | unitedcreditltd.com |
Business activity
The main business activities of United Credit are financial and insurance service and real estate. In detail, this covers financial and credit leasing activities and real estate activities on fee or contract basis. 2 activity segments are registered with the MCA.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K5 | Financial and Credit leasing activities | |
| L | Real Estate | L2 | Real estate activities on fee or contract basis |
To see the full business activity and turnover split of United Credit Ltd, buy the company report.
Financials of United Credit Ltd
FY 2025-26 filings availableUnited Credit Ltd reported revenue of ₹3.19 Cr (down 14.2% 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 | 3.19 | 3.72 | 3.58 | 2.92 | 2.76 | 2.71 | 2.89 |
| Revenue growth | -14.3% | +3.9% | +22.6% | +5.8% | +1.9% | -6.2% | - |
| EBITDA | 1.21 | 1.35 | 1.63 | 0.92 | 1.19 | 1.17 | 1.14 |
| EBITDA margin | +37.9% | +36.3% | +45.5% | +31.5% | +43.1% | +43.2% | +39.5% |
| Profit before tax | 1.10 | 1.29 | 2.08 | 0.85 | 1.27 | 1.21 | 1.18 |
| Net profit | 0.86 | 0.98 | 1.64 | 0.70 | 0.75 | 0.89 | 0.90 |
| Net profit margin | +27.0% | +26.3% | +45.8% | +24.0% | +27.2% | +32.8% | +31.1% |
| EPS (₹) | 1.56 | 1.85 | 2.98 | 1.32 | 1.37 | 1.59 | 1.63 |
| Balance sheet | |||||||
| Total assets | 31.14 | 30.13 | 29.07 | 27.47 | 26.63 | 25.87 | 24.98 |
| Net worth | 30.85 | 29.98 | 28.98 | 27.34 | 26.63 | 25.86 | 24.98 |
| Total debt | 0.28 | 0.15 | 0.08 | 0.13 | 0.00 | 0.00 | 0.00 |
| Cash & bank | 0.58 | 0.55 | 0.89 | 0.42 | 0.12 | 0.15 | 0.19 |
| Net working capital | 9.68 | 9.83 | 10.14 | 9.68 | 9.80 | 10.04 | 9.44 |
| Cash flow | |||||||
| Cash from operations | (0.26) | (0.44) | 0.53 | 0.31 | 0.41 | 0.94 | 0.30 |
| Cash from investing | 0.17 | 0.04 | 0.00 | (0.13) | (0.44) | 0.00 | (0.02) |
| Cash from financing | 0.11 | 0.06 | (0.05) | 0.12 | 0.00 | (0.87) | (0.45) |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 0.78 | 0.83 | 0.77 | 0.76 | 0.74 | 0.81 | 0.89 | 0.88 |
| Revenue growth (YoY) | +5.4% | +2.5% | -13.5% | -13.6% | -14.9% | - | - | - |
| Other income | 0.05 | 0.02 | 0.02 | 0.02 | 0.06 | (0.02) | 0.06 | 0.15 |
| Total expenses | 0.55 | 0.53 | 0.55 | 0.46 | 0.46 | 0.76 | 0.51 | 0.50 |
| EBITDA | 0.23 | 0.30 | 0.22 | 0.30 | 0.28 | 0.05 | 0.38 | 0.38 |
| EBITDA margin | +29.5% | +36.1% | +28.6% | +39.5% | +37.8% | +6.2% | +42.7% | +43.2% |
| Depreciation | 0.03 | 0.04 | 0.04 | 0.03 | 0.02 | 0.03 | 0.02 | 0.01 |
| Interest | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.24 | 0.27 | 0.19 | 0.29 | 0.32 | 0.00 | 0.42 | 0.52 |
| Tax | 0.05 | 0.05 | 0.04 | 0.07 | 0.07 | (0.06) | 0.14 | 0.09 |
Financial Statements
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 0.78 | 0.83 | 0.77 | 0.76 | 0.74 | 0.81 | 0.89 | 0.88 |
| Revenue growth (YoY) | +5.4% | +2.5% | -13.5% | -13.6% | -14.9% | - | - | - |
| Other income | 0.05 | 0.02 | 0.02 | 0.02 | 0.06 | (0.02) | 0.06 | 0.15 |
| Total expenses | 0.55 | 0.53 | 0.55 | 0.46 | 0.46 | 0.76 | 0.51 | 0.50 |
| EBITDA | 0.23 | 0.30 | 0.22 | 0.30 | 0.28 | 0.05 | 0.38 | 0.38 |
| EBITDA margin | +29.5% | +36.1% | +28.6% | +39.5% | +37.8% | +6.2% | +42.7% | +43.2% |
| Depreciation | 0.03 | 0.04 | 0.04 | 0.03 | 0.02 | 0.03 | 0.02 | 0.01 |
| Interest | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.24 | 0.27 | 0.19 | 0.29 | 0.32 | 0.00 | 0.42 | 0.52 |
| Tax | 0.05 | 0.05 | 0.04 | 0.07 | 0.07 | (0.06) | 0.14 | 0.09 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 3.19 | 3.72 | 3.58 | 2.92 | 2.76 | 2.71 | 2.89 |
| Revenue growth | -14.3% | +3.9% | +22.6% | +5.8% | +1.9% | -6.2% | - |
| Other income | 0.04 | 0.02 | 0.53 | 0.00 | 0.10 | 0.07 | 0.07 |
| Total expenses | 1.98 | 2.37 | 1.95 | 2.00 | 1.57 | 1.54 | 1.75 |
| Employee cost | 0.74 | 0.81 | 0.74 | 0.74 | 0.69 | 0.73 | 0.73 |
| EBITDA | 1.21 | 1.35 | 1.63 | 0.92 | 1.19 | 1.17 | 1.14 |
| EBITDA margin | +37.9% | +36.3% | +45.5% | +31.5% | +43.1% | +43.2% | +39.5% |
| Depreciation | 0.13 | 0.07 | 0.07 | 0.06 | 0.02 | 0.03 | 0.03 |
| Interest | 0.02 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 1.10 | 1.29 | 2.08 | 0.85 | 1.27 | 1.21 | 1.18 |
| Tax | 0.23 | 0.29 | 0.44 | 0.15 | 0.52 | 0.32 | 0.28 |
| Net profit | 0.86 | 0.98 | 1.64 | 0.70 | 0.75 | 0.89 | 0.90 |
| Net profit margin | +27.0% | +26.3% | +45.8% | +24.0% | +27.2% | +32.8% | +31.1% |
| EPS (₹) | 1.56 | 1.85 | 2.98 | 1.32 | 1.37 | 1.59 | 1.63 |
| 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 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 |
| Reserves & surplus | 25.36 | 24.49 | 23.49 | 21.85 | 21.14 | 20.37 | 19.49 |
| Shareholders' funds (net worth) | 30.85 | 29.98 | 28.98 | 27.34 | 26.63 | 25.86 | 24.98 |
| Secured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | 0.28 | 0.15 | 0.08 | 0.13 | 0.00 | 0.00 | 0.00 |
| Total debt | 0.28 | 0.15 | 0.08 | 0.13 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 31.14 | 30.13 | 29.07 | 27.47 | 26.63 | 25.87 | 24.98 |
| Assets | |||||||
| Gross block | 1.21 | 1.05 | 1.02 | 0.99 | 0.77 | 0.76 | 0.75 |
| Net block | 0.43 | 0.29 | 0.19 | 0.22 | 0.06 | 0.06 | 0.08 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.13 | 0.48 | 0.43 | 0.32 | 0.45 | 0.00 | 0.00 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 0.06 | 0.06 | 0.32 | 0.33 | 0.45 | 0.34 | 0.30 |
| Cash & bank balances | 0.58 | 0.55 | 0.89 | 0.42 | 0.12 | 0.15 | 0.19 |
| Loans & advances | 9.46 | 9.70 | 9.73 | 10.17 | 10.17 | 10.51 | 10.80 |
| Total current assets | 10.10 | 10.31 | 10.94 | 10.92 | 10.74 | 11.00 | 11.29 |
| Total current liabilities | 0.42 | 0.48 | 0.80 | 1.24 | 0.94 | 0.96 | 1.85 |
| Net working capital | 9.68 | 9.83 | 10.14 | 9.68 | 9.80 | 10.04 | 9.44 |
| Total assets | 31.14 | 30.13 | 29.07 | 27.47 | 26.63 | 25.87 | 24.98 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 0.54 | 0.88 | 0.41 | 0.11 | 0.14 | 0.07 | 0.24 |
| Net cash from operating activities | (0.26) | (0.44) | 0.53 | 0.31 | 0.41 | 0.94 | 0.30 |
| Net cash from investing activities | 0.17 | 0.04 | 0.00 | (0.13) | (0.44) | 0.00 | (0.02) |
| Net cash from financing activities | 0.11 | 0.06 | (0.05) | 0.12 | 0.00 | (0.87) | (0.45) |
| Net change in cash | 0.02 | (0.34) | 0.47 | 0.30 | (0.03) | 0.06 | (0.16) |
| Closing cash | 0.58 | 0.55 | 0.89 | 0.42 | 0.12 | 0.15 | 0.19 |
| 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 | -14.3% | +3.9% | +22.6% | +5.8% | +1.9% | -6.2% | - |
| EBITDA growth | -10.4% | -17.2% | +77.2% | -22.7% | +1.7% | +2.6% | - |
| PBT growth | -14.7% | -38.0% | +144.7% | -33.1% | +5.0% | +2.5% | -67.3% |
| Net income growth | -12.2% | -40.2% | +134.3% | -6.7% | -15.7% | -1.1% | - |
| Revenue CAGR (3Y) | +3.0% | +10.5% | +9.7% | +0.3% | +1.5% | +3.1% | +11.4% |
| EBITDA CAGR (3Y) | +9.6% | +4.3% | +11.7% | -6.9% | - | +2.4% | +16.6% |
| Profitability & leverage | |||||||
| Net income margin | +27.3% | +26.9% | +45.8% | +24.0% | +27.2% | +32.8% | +31.1% |
| Return on capital employed | +3.6% | +4.4% | +7.4% | +3.2% | +4.8% | +4.7% | +4.8% |
| Return on net worth | +2.8% | +3.4% | +5.8% | +2.7% | +2.9% | +3.4% | +3.6% |
| Debt / equity | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Long-term debt / equity | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest cover | 1.85 | 0.78 | 0.64 | 1.16 | 0.00 | 0.00 | 0.00 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 2.86 | 3.61 | 4.09 | 3.32 | 3.74 | 3.68 | 3.97 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 53.83 | 19.68 | 12.65 | 7.49 | 7.24 | 8.69 | 13.77 |
| EPS (₹) | 1.56 | 1.85 | 2.98 | 1.32 | 1.37 | 1.59 | 1.63 |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 56.17 | 54.58 | 52.77 | 49.78 | 48.48 | 47.09 | 45.48 |
To see the full year-wise statements and ratios of United Credit Ltd, buy the company report.
Board of directors of United Credit Ltd
United Credit has 6 current directors and 10 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Ashok Kumar Dabriwala Also directs: Dabriwala Banijya Udyog Ltd, Dabriwala Traders Pvt Ltd | Managing Director | 27 Jul 1989 | 37 Years 3 Months | Current |
| Devashish Dabriwal Also directs: Dabriwala Banijya Udyog Ltd, Jaybhikshu Cotspin Private Limited | Director | 21 Jan 2004 | 22 Years 9 Months | Current |
| Rashmi Dabriwal Also directs: Jaybhikshu Cotspin Private Limited | Director | 07 Feb 2014 | 12 Years 9 Months | Current |
| Pramod Dhelia Also directs: N G Industries Ltd, Commercial Point Owners' Association Limited, Pramod Credit Pvt Ltd and 1 more | Director | 12 Dec 2022 | 3 Years 10 Months | Current |
| Suresh Kumar Kandoi Also directs: Subgreen Wudtech Private Limited | Director | 13 Aug 2024 | 2 Years 2 Months | Current |
| Rashmi Bihani | Director | 13 Aug 2024 | 2 Years 2 Months | Current |
Auditor
United Credit Ltd is audited by L. B. JHA & CO. for the financial year 2019.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| L. B. JHA & CO. | FY 2019 | 301088E |
Shareholding
Shareholding for the quarter ended Mar 2026: promoters hold 57.30%, foreign institutional investors hold 0.00%, domestic institutional investors hold 0.50% and retail and other public shareholders hold 42.20%.
| Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | |
|---|---|---|---|---|
| Promoters | 57.30% | 57.30% | 57.30% | 57.30% |
| Public | 42.70% | 42.70% | 42.70% | 42.70% |
Charges & borrowings
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 04 Nov 2024 | 101007270 | Hdfc Bank Limited | ₹13 Lakh | Open | |
| 25 Jul 2022 | 100600741 | Hdfc Bank Limited | ₹15.59 Lakh | Satisfied | |
| 24 Aug 2015 | 10590867 | Hdfc Bank Limited | ₹10 Lakh | Satisfied | |
| 31 Jan 2015 | 10549835 | Hdfc Bank Limited | ₹13 Lakh | Satisfied | |
| 04 Feb 2008 | 10096996 | Hdfc Bank Limited | ₹6.65 Lakh | Satisfied |
To see the full charge records of United Credit Ltd, buy the company report.
Total charge records: 10 View all charges
Deals & funding
United Credit Ltd has 5 deals on record (5 market trades); the latest was in August 2010.
Deals on record (5 of 5)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Aug 2010 | Market trade | ₹14.2 Lakh | Seller: Espeea Promoters And Developers Pvt Lyd |
| Mar 2008 | Market trade | ₹19.4 Lakh | Buyer: an individual Seller: Naveen Bothra And Sons Huf |
| Sep 2007 | Market trade | ₹25.6 Lakh | Seller: an individual |
| Sep 2007 | Market trade | ₹70.4 Lakh | Buyer: Tecknopoint Mercantile Company P Ltd, Neil Information Technology Private Limited Seller: Tecknopoint Mercantile Company P Ltd |
| Feb 2007 | Market trade | ₹31.1 Lakh | Buyer: an individual Seller: Garry Supply Pvt.Ltd. |
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
United Credit Ltd has 180 court cases on record: 143 filed by United Credit, 37 filed against it. 34 cases are pending and 146 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 110 | 2 | 33 |
| High courts | 55 | 22 | 1 |
| Supreme Court | 15 | 13 | 0 |
Cases on record (5 of 180)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Calcutta, West Bengal | Civil suit | Filed by the company against Ms. Fortune Chemicals Ltd. Ors. | Pending |
| Calcutta High Court | Court case (FAT) | Filed against the company by Data Cycle Private Limited | Pending |
| District court, Calcutta, West Bengal | Civil suit | Filed by the company against Ms Golden Biscuit Co. Pvt Ltd | Disposed |
| High Court | Company petition | Filed against the company by Nirmal & Navin Pvt.Ltd. and | Disposed |
| High Court | Company petition | Filed against the company by Vhel Industries Ltd. | Disposed |
To see the full case history of United Credit Ltd, 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 United Credit Ltd; the supplier-wise MSME Form 1 check is in the company report Buy the company report.
Employees & EPFO
United Credit Ltd has a workforce of 9 employees on its EPFO records as of Apr 06, 2024, across 1 active EPFO establishment.
GST
United Credit has 1 GST registration: 1 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 19AAACU3254F1ZF | West Bengal | Active | 01 Jul 2017 |
To see the full GST registrations and return filing status of United Credit Ltd, buy the company report.
Recent activity
United Credit Ltd has 24 board changes on record since 1987: 15 appointments and 9 cessations. The latest: Nandanadan Mishra ceased to be Director on 25 Sep 2024.
35 earlier events are in the company report.
News
Frequently asked questions
United Credit is an active public limited company based in Kolkata, West Bengal, India. The company works in investment and credit nbfc, within the financial services industry. It was incorporated on 28 July 1970 (56+ years old) and is registered under CIN L65993WB1970PLC027781. Listed on BSE: 531091.
United Credit reported revenue of ₹3.19 Cr for FY 2025-26 (down 14.2% YoY) based on standalone financials.
United Credit has 6 current directors:
- Ashok Kumar Dabriwala - Managing Director
- Devashish Dabriwal - Director
- Rashmi Dabriwal - Director
- Pramod Dhelia - Director
- Suresh Kumar Kandoi - Director
- Rashmi Bihani - Director
The latest financial statements of United Credit on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 15 September 2025. Year-wise statements from 2015 are in the company report.
The GSTIN of United Credit is 19AAACU3254F1ZF, registered in West Bengal.
The CIN (Corporate Identification Number) of United Credit is L65993WB1970PLC027781. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Yes. United Credit is a listed company as per MCA records. Its shares are listed on BSE (code: 531091).
United Credit has 180 court cases on record: 143 filed by the company and 37 filed against it. 34 are pending. Most are in the district courts.
United Credit was incorporated on 28 July 1970, making it 56+ years old. It is registered with the Registrar of Companies, Kolkata.
United Credit has 5 deals on record (5 market trades); the latest was in August 2010.
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