What we do Northlink Fiscal and Capital Services Limited is a Reserve Bank of India registered NBFC engaged in lending and financial services since 1994. |
Founded in 1,994 |
Market share A small player in the NBFC sector with focus on lending; previously involved in cement and steel trading. |
Problem solved Provides financial loans addressing credit needs of clients transitioning from trading to lending services. |
Top clients or who we serve Primarily serves retail and small business borrowers in India (B2B and B2C). |
Key management - |
Our journey and innovations Started as a construction material wholesaler, shifted to trading cement/steel, now fully focused on lending since 2022. |
Where we operate India, primarily in Chandigarh and surrounding regions. |
Top products or what we offer Loan products and financial services; exited trading in cement and steel by 2021. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue largely from recurring lending interest and rental income. |
Our industry position Niche NBFC with limited market share; faces financial challenges reflected in recent losses. |
Financial highlights Revenue approx. Rs. 40 lakh; net loss of Rs. 78 lakh in FY 2024-25. |
Geographical revenue split Revenue primarily from Indian markets; no export operations. |
Order book - |
Whats driving growth Shift to lending services focusing on higher-margin finance products driving future potential growth. |
Our future plans Focus on expanding lending portfolio and improving financial health; discontinue trading operations. |
Our green promise - |
Our people and values Committed to ethical business and governance with a small dedicated team. |
Key challenges ahead Current financial losses, operational restructuring, and market competition pose key challenges. |
Interesting facts Evolved from construction material wholesaler to NBFC over 30 years. |
Risks and strategy Risks include credit defaults and regulatory compliance; strategy focuses on robust financial controls and prudent lending. |
