Credifin Unquoted Share Price

About Credifin earlier PHF Leasing Limited Unquoted/ Illiquid Shares

Credifin earlier PHF Leasing Limited (the "Company") is a public limited company domiciled in India and was incorporated on July 20, 1992.  The Company is an NBFC holding a Certificate of Registration from the Reserve Bank of India (“RBI”) dated May 15, 1998. The Company is primarily engaged in the business of financing  of all types of Vehicles, Moveable assets, Commercial Vehicles, Two Wheelers and Three Wheelers which are either generating income or has economic value to the customer in India. The company is serving thousands of customers by financing various kinds of vehicle loans and loan against property. E-Rickshaw loan, used car loan, Loans against property for business, Housing, Home, Education, Medical, School College fees.

Credifin Limited Share Price, Share Details as of March 31, 2023

INCORPORATION DETAILS

PRINCIPAL BUSINESS ACTIVITIES OF THE COMPANY

BOARD OF DIRECTORS

Mr. Vijay Kumar Sareen, Whole time Director

Mr. Vijay Kumar Bhandari, Nominee Director

Mr. Ashwani Kumar Jindal, Independent Director

Ms. Aditi Kapur Arora, Independent Director

Mr. Meghal Gupta, Non- Executive Professional Director

Mr. Chandan Chugh, Chairman (Non-Executive Director)

SHAREHOLDING PATTERN (As of 30-09-2022)

INDUSTRY OUTLOOK

According to CRISIL – the domestic rating agency, India’s real GDP will grow by 7.3% in FY23, with risks tilted to the downside. At the end of FY22, risks to India’s economic growth have shifted from Covid pandemic to geopolitics, elevated crude oil prices and interest rate hikes by the US Federal Reserve. CRISIL research has projected Brent crude oil prices at $ 94-99 per barrel for FY23. If oil price stays higher than that in FY23 then it will create risks to India’s growth, inflation and current account position. Global think-tanks and rating agencies too are projecting around 7-7.5% growth for India during FY23, with downside risks. Domestic growth in FY23 will primarily be supported by a continued vaccination drive and supportive favorable fiscal and monetary policies.

Bond yields and bank interest rates will rise at a faster pace because of adverse spillovers from the actions of global central banks, higher market borrowings by the Central and State Governments, surging crude oil prices and inflation risks.

FAQs on Credifin Ltd

Q: What is the face value of Credifin Ltd shares?
Answer: The face value of Credifin Ltd is ₹10 per equity share.

Q: How can I buy Credifin unlisted shares through WWIPL?
Answer: Investors complete KYC, confirm trade details with WWIPL, transfer funds, and receive shares directly in their Demat account after settlement.

Q: Why should I buy Credifin shares through WWIPL?
Answer: WWIPL provides access to unlisted shares with transparent pricing, secure transactions, assisted execution, and Demat transfer

support.

Q: Is investing in Credifin Ltd a good idea?
Answer: Credifin is an NBFC engaged in vehicle and asset financing, but it operates at a small scale with modest profitability and is sensitive to credit cycles, interest rates, and asset quality trends.

Q: Why do investors buy Credifin shares before a potential IPO?
Answer: Investors typically look for early exposure to an NBFC with turnaround or scaling potential, expecting valuation re-rating if growth and asset quality improve.

Q: What business does Credifin Ltd operate in?
Answer: Credifin is an NBFC (Non-Banking Financial Company) involved in financing vehicles, movable assets, commercial vehicles, and loans against property and other retail lending products.

Q: What makes Credifin different from other unlisted NBFCs?
Answer: It is a small-scale NBFC with diversified retail lending exposure, where performance is more dependent on credit discipline and collection efficiency than scale advantages.

Q: What are the key growth drivers for Credifin Ltd?
Answer: Growth depends on expansion of lending book, improvement in asset quality, better access to low-cost funding, and recovery in retail credit demand.

Q: What factors affect the valuation of Credifin shares?
Answer: Valuation is driven by net interest margins, credit cost, loan book growth, NPAs, ROE, liquidity in unlisted market, and overall NBFC sector sentiment.

Q: Are Credifin shares available in Demat form?
Answer: Yes. Credifin shares are held in dematerialized form and can be transferred via NSDL/CDSL systems.

Q: Can I sell my Credifin shares through WWIPL?
Answer: Yes, but liquidity is limited and depends on buyer availability in the unlisted market.

Q: What documents are required to buy Credifin shares through WWIPL?
Answer: PAN, Aadhaar, Client Master Report (CMR), and bank account details are generally required for settlement.

Q: What are the risks of investing in Credifin shares?
Answer: Key risks include credit risk (loan defaults), liquidity constraints, limited scale, interest rate sensitivity, and cyclical stress typical of NBFC lending businesses.

Q: How does WWIPL help investors track Credifin investments?
Answer: WWIPL provides trade execution support, pricing updates, and assistance with transfer and settlement processes.

Q: How long does it take for Credifin shares purchased through WWIPL to be credited to a Demat account?
Answer: Shares are typically credited after trade settlement and counterparty confirmation, depending on transaction timing and liquidity.

Q: What should investors evaluate before investing in Credifin Ltd?
Answer: Investors should assess loan book quality, NPAs, profitability trends, funding structure, and overall NBFC sector conditions before investing.

Q: Can Credifin benefit from NBFC sector growth in India?
Answer: Yes, but only if it can scale its lending book sustainably while maintaining asset quality and managing credit risk effectively in a competitive NBFC environment.