United Credit Ltd (UNITDCR) Share Price & Fundamentals

What we do

United Credit Ltd is a non-banking financial company engaged in leasing, hire purchase, consumer financing, investment, and capital market operations.

Founded in

1,970

Market share

A well-established NBFC with diversified finance and rental activities, listed on Calcutta and BSE stock exchanges.

Problem solved

Provides credit and financing solutions for individuals and businesses, supporting asset acquisition and capital market investments.

Top clients or who we serve

Serves retail and corporate clients, mainly in leasing, hire purchase, and consumer finance segments (B2B and B2C).

Key management

Ashok Kumar Dabriwala - Chairman & Managing Director; Samarjit Jain - CFO; Deepali Gupta - Company Secretary.

Our journey and innovations

Formed after nationalization and mergers; diversified into syndication, corporate banking, real estate, and hospitality sectors.

Where we operate

Primarily operates in India with a focus on Kolkata and surrounding regions.

Top products or what we offer

Leasing, hire purchase, consumer finance, rental services, capital market investments; exploring real estate and corporate banking.

Top brands

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Raw materials needed

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Raw materials supplier

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Recurring vs cyclical contribution

Revenue primarily from recurring interest income and rental operations, with cyclical influences from investment segments.

Our industry position

Established NBFC with stable revenues; maintaining competitive position in financing and rental markets.

Financial highlights

FY2025 Revenue: Rs. 343.59 lakhs, Net Profit: Rs. 101.39 lakhs; slight revenue growth with profit decline from previous year.

Geographical revenue split

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Order book

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Whats driving growth

Growth driven by NBFC regulatory easing, interest rate reductions, real estate demand, and expanding wealth management services.

Our future plans

Expanding into syndication, corporate banking, real estate investments, and hospitality sectors to diversify revenue streams.

Our green promise

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Our people and values

Committed to transparency, corporate governance, ethical practices; fostering inclusive work environment.

Key challenges ahead

Managing profit margin pressures, diversifying effectively, and navigating regulatory changes in financial sector.

Interesting facts

Successor of United Bank of India; one of the oldest NBFCs with over five decades of operation.

Risks and strategy

Facing market and regulatory risks; strategy focuses on diversification, risk management, and disciplined credit policies.