What we do U. Y. Fincorp Ltd is an RBI-registered non-banking financial company providing asset financing, investment banking, and equipment leasing across India, focusing on small-ticket loans. |
Founded in 1,993 |
Market share One of the fastest growing NBFCs listed on BSE and NSE, expanding rapidly in Uttar Pradesh and other states. |
Problem solved Providing accessible financing and investment solutions, especially small-ticket personal and business loans for underserved customers. |
Top clients or who we serve Retail and corporate clients in West Bengal, Uttar Pradesh, Maharashtra; services B2B and B2C segments. |
Key management Udai Kothari, Chairman & Managing Director, leads growth with strong finance and capital markets expertise. |
Our journey and innovations Founded in 1993, evolved through name changes, launched digital small-ticket loan platform 'GrowU.Money' in 2022-23, expanded via fintech JV 'FUNDOBABA'. |
Where we operate Operating mainly in West Bengal, Uttar Pradesh, Maharashtra, with expanding fintech collaborations. |
Top products or what we offer Financial services include corporate loans, micro-enterprise loans, personal loans, loan against property, and equipment finance. |
Top brands GrowU.Money - small-ticket loans, FUNDOBABA - fintech-enabled personal/business loans with instant digital disbursal. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily from finance operations is recurring through interest on loans; market activities add variability. |
Our industry position Positioned as a growing NBFC with emerging presence in digital lending space and diversified financial products. |
Financial highlights FY 2024-25 revenue ₹111.05 crore; Net profit ₹11.73 crore. Assets grew to ₹344.84 crore. |
Geographical revenue split Operates across 3 states; revenue mainly from West Bengal and Uttar Pradesh markets. |
Order book - |
Whats driving growth Digital loan onboarding, regional expansion, fintech partnerships, and diversification into new loan segments. |
Our future plans Expanding branch network, launching automated mobile platform, growing fintech JV, and increasing loan portfolio. |
Our green promise - |
Our people and values Employee-centric culture emphasizing innovation, compliance, and ethical financial services. |
Key challenges ahead Maintaining growth amid competitive NBFC landscape and managing credit risk. |
Interesting facts First listed as Golden Securities in 1995; pioneering digital small-ticket loans under GrowU.Money brand. |
Risks and strategy Credit risk managed by prudent lending policies and RBI compliance; growth fueled by technology and partnerships. |
