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Fincare Business Services Limited

Company Name
Fincare Business Services Limited
Last Traded Price (LTP)
43.00
% Change
+ 0.00 %
Scrip Name
Fincare Business
ISIN No.
INE957R01025
PAN No.
AACCF4303J
Face Value
1
No. of Outstanding Shares
329,750,096
Market Capitalization
1,417.93 Crore
Book value
33.116
P/BV
1.2985
EPS
-0.728
PE ratio
0
Available on
nsdlcdsl
ROFR Required
No

Fincare Business Services Limited Unlisted Shares – Company Overview   

Fincare Business Services Limited is a leading Indian non-banking financial company (NBFC) that provides a range of financial services to micro, small, and medium enterprises (MSMEs) and low-income households. Established in 2017, the company operates through its wide network of branches across India and offers services such as microfinance, small business loans, affordable housing loans, and vehicle loans.

Fincare Business Services Limited aims to empower its customers by providing them with easy access to credit and other financial services, thereby enabling them to improve their livelihoods and contribute to the economic growth of their communities. The company has a strong focus on responsible lending and customer-centricity, and its operations are driven by the principles of transparency, fairness, and ethical conduct.

Fincare Business Services Limited has received several accolades for its innovative business model and social impact, including recognition from the United Nations as one of the world's leading impact enterprises. The company has a committed team of professionals and a strong digital platform that enables it to serve its customers efficiently and effectively.

Fincare Business Services Limited Unlisted Share Details as of March 31, 2022

Fincare Business Outstanding Shares: 32,97,50,096
Face Value of Fincare Business Unlisted Share: Rs. 1 Per Equity Share
ISIN of Fincare Business Unlisted Share: INE957R01025
Lot Size of Fincare Business Unlisted Share: 100 Shares
Fincare Business Current Share Price: Best in Industry
PAN Number of Fincare Business: AACCF4303J

Fincare Business Services Limited Incorporation Details  

CIN of Fincare Business

U74900GJ2014PLC132578

Registration Date of Fincare Business

01 August 2014

Category/Sub-category of Fincare Business

Limited by Shares/ Non-govt company

Fincare Business Registered office and contact details

301 & 302, Abhijeet - V Opp. Mayor Bungalow, Law Garden Road, Mithakhali, Ahmedabad GJ 380006 IN

Fincare Business Registrar and Transfer Agent

KFin Technologies Limited,

Selenium Building, Tower-B Plot No. 31 & 32, Financial District, Nanakramguda Serilingampally, Rangareddi

Fincare Business Services Limited Principal Business Activities 

Name and Description of main products/services

NIC Code of the product/service

% to the total turnover of the Company

Financial and insurance services

6420

100%

Fincare Business Services Limited Board of Directors

Mr. G. Dasarathareddy, Managing Director

Mr. Satyanarayana Peravali, Independent Director

Ms. Nandini Parekh, Independent Director

Mr. Dhiraj Poddar, Nominee Director 

Mr. Divya Sehgal, Nominee Director 

Mr. Maninder Singh Juneja, Nominee Director

Mr. Bhavya Gulati, Nominee Director

Mr. Satyaki Rastogi, Nominee Director

Fincare Business Services Limited Particulars of Subsidiary and Associate Companies 

S. No.

Name of the Company

Holding/ Subsidiary/ Associate/ Joint Venture

% of Shares held

1.

Fincare Small Finance Bank Limited

Subsidiary

78.58%

Fincare Business Services Limited Shareholding Pattern (As of 31-03-2022)

S. No.

Shareholders’ Name

Number of shares

% of total Shares of the company

1.

Promoter Group

-

-

2.

Public Shareholding

32,97,50,096

100.00%

 

Total

32,97,50,096

100.00%

Industry Outlook of Fincare Business

Fincare Business Services Limited operates in the Indian non-banking financial company (NBFC) industry, which is a critical player in the country's financial system. The industry has been witnessing rapid growth in recent years, driven by factors such as increasing demand for credit among small and medium-sized businesses, the government's emphasis on financial inclusion, and the growth of digital lending platforms.

One of the major challenges faced by the NBFC industry is the regulatory environment, which has become increasingly stringent in recent years following the liquidity crisis in 2018. The Reserve Bank of India (RBI) has implemented several measures to enhance the regulatory framework, including stricter capital adequacy norms and tighter norms for asset-liability management.

However, despite these challenges, the NBFC industry is expected to continue to grow in the coming years, driven by increasing demand for credit from underserved segments of the population, the adoption of technology, and the growth of digital platforms. The industry is also expected to benefit from the government's initiatives to boost financial inclusion and promote entrepreneurship.

In conclusion, the outlook for the Indian NBFC industry, where Fincare Business Services Limited operates, is positive, with the potential for significant growth in the coming years. The industry will need to navigate regulatory challenges and adopt innovative business models to capitalize on the opportunities presented by India's rapidly evolving financial landscape.

Fincare Business Services Limited Balance Sheet (In Rs. Cr)

PARTICULARS

31st March 2022

31st March 2021

ASSETS

 

FINANCIAL ASSETS

Cash and cash equivalents

1185.8

1143.6

Bank balances other than cash and cash equivalents

50.3

13.7

Trade receivables      

4.1

2.2

Loans       

6995.9

5620.8

Investments       

2118.6

1317.4

Other financial assets     

353.9

122.5

TOTAL FINANCIAL ASSETS

10,708.6

8220.2

NON-FINANCIAL ASSETS

 

Current tax assets (net)

20.2

4.5

Deferred tax assets (net)

143.5

87.0

Property, plant and equipment

104.0

109.4

Capital work in progress

0.1

-

Other intangible assets

1.5

1.0

Goodwill

41.8

41.8

Other non-financial assets

29.4

21.2

TOTAL CURRENT ASSETS

340.5

264.9

TOTAL ASSETS

11,049.1

8,485.3

LIABILITIES AND EQUITY 

   

FINANCIAL LIABILITIES

   

Payables other than trade payables

65.8

21.6

Borrowings

3036.7

1844.7

Deposits

6451.9

5317.2

Subordinated liabilities

199.6

199.4

Other financial liabilities

152.5

75.4

TOTAL FINANCIAL LIABILITIES

9,906.5

7,458.3

NON-FINANCIAL LIABILITIES

   

Provisions

17.7

12.0

Contract liabilities

19.1

14.2

Other non-financial liabilities

13.8

9.2

TOTAL NON-FINANCIAL LIABILITIES

50.6

35.4

TOTAL LIABILITIES

9,957.1

7,493.7

EQUITY

 

Equity Share Capital

33.0

32.8

Other Equity

832.4

862.2

Non-controlling interest

226.6

96.4

TOTAL EQUITY

1092.0

991.5

TOTAL LIABILITIES AND EQUITY

11049.1

8485.3

Fincare Business Services Limited Profit & Loss Statement (In Rs. Cr)

PARTICULARS

2022

2021

Revenue from Operations

1704.2

1440.9

Other Income

3.7

7.3

EBITDA

571.5

695.2

EBITDA margins

33.46%

48.00%

Finance Cost

579.9

570.4

Depreciation

36.2

32.1

Other Expenses

194.2

141.1

Exceptional items

-

-

Total Tax

(15.4)

22.3

Profit/ (Loss) After Tax 

(29.2)

70.4

PAT Margin

(1.71%)

4.86%

EPS (Basic & Diluted)

(0.73)

1.91

Fincare Business Services Limited Share Dividend History

Particulars

2022

2021

2020

Dividend (final + interim) (In Rs.)

-

-

-

Retained Earnings (Rs. in Cr)

134.2

149.3

113.6

Fincare Business Services Limited Recent Financial Performance  

  • Revenue from Operations of the company increased by 18.27% from Rs. 1440.9 Cr in FY 2021 to Rs. 1704.2 Cr in FY 2022.

  • Loss after tax of the company stood Rs. 29.20 Cr in FY 2022 against a Profit after tax of Rs. 70.40 Cr in FY 2021, showing a decline of 141.47%.
  • EBITDA of the company decreased by 17.79% from Rs. 695.2 Cr in FY 2021 to Rs. 571.5 Cr in FY 2022. EBITDA margin declined from 48.00% to 33.46%.
  • The book value per share of the company as of 31st March, 2022 is Rs. 33.11.

 

Annual Reports

Fincare Business Services Limited 2021-22

Download

Fincare Business Services Limited 2020-21

Download

Fincare Business Services Limited 2019-20

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