What we do Intec Capital Limited is an Indian Non-Banking Financial Company offering loan financing, corporate advisory, and insurance services primarily to Small and Medium Enterprises (SMEs). |
Founded in 1,994 |
Market share Recognized as a niche NBFC focusing on SME financing with a growing reputation for flexible and customer-friendly services. |
Problem solved Provides critical asset finance, working capital, and loan against property solutions to SMEs, addressing their credit and financial advisory needs. |
Top clients or who we serve Primarily SMEs across India; services also extend to individuals needing insurance and retirement products; operates mainly B2B and B2C. |
Key management Mr. Sanjeev Goel, Managing Director with long tenure and leadership experience. |
Our journey and innovations Started in 1994; merged with Unitel Credit in 2011; expanded by acquiring Amulet Technologies, adapting to market needs and regulatory frameworks. |
Where we operate Operations primarily in India with a focus on SME sectors; subsidiary in IT consultancy. |
Top products or what we offer Loan financing (Asset Finance, Working Capital, Loan against Property), corporate advisory, life and general insurance products. |
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Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue is mainly from recurring financial services and advisory fees; lending portfolio influenced by market credit cycles. |
Our industry position A specialized NBFC with notable presence in SME credit market; non-systemic with RBI registration; faces stiff competition but maintains niche focus. |
Financial highlights FY 2025 consolidated revenue approximately Rs. 4.46 crores with net profit around Rs. 0.22 crores; recovering from past losses with OTS settlement. |
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Whats driving growth Focused SME lending, improved credit risk management, OTS settlement clearing liabilities, technology adoption, and advisory services growth. |
Our future plans Strengthen balance sheet post-OTS, expand SME financing portfolio, enhance technology use, and diversify advisory offerings. |
Our green promise - |
Our people and values Small, skilled workforce emphasizing customer satisfaction and entrepreneurial innovation; gender diversity initiatives ongoing. |
Key challenges ahead Managing legacy non-performing loans, capital adequacy, competition in NBFC sector, regulatory compliance, and liquidity constraints. |
Interesting facts Successfully completed One Time Settlement with all lenders ensuring better financial stability; owns a technology consulting subsidiary. |
Risks and strategy Credit risk mitigated by focused SME segment; ongoing compliance with RBI norms and improving internal controls to sustain growth. |
