Vani Commercials Ltd (VANICOM) Share Price & Fundamentals

What we do

Vani Commercials Ltd is a non-deposit accepting NBFC based in Delhi, focusing on lending services primarily to Micro, Small and Medium Enterprises (MSME) and wholesale lending sectors.

Founded in

1,988

Market share

Positioned as a niche player in wholesale lending and MSME credit segments with growth potential in retail and SME financing.

Problem solved

Provides accessible credit to underserved MSME and SME sectors for equipment purchase, working capital, business expansion, and property loans.

Top clients or who we serve

Serves MSMEs, small and medium businesses in rural and semi-urban India; operates in B2B and retail lending segments.

Key management

Vishal Abrol (Managing Director), Pranay Kumar Tayal (Director), Ajay Kumar Tayal (Whole-Time Director).

Our journey and innovations

Established in 1988; evolved from wholesale lending to MSME loans; launched a digital loan platform to enhance loan processes.

Where we operate

Primarily operates in India with focus on rural and semi-urban markets.

Top products or what we offer

Loans for equipment/machinery purchase, working capital, term loans against property, commercial property loans, e-vehicle loans, lease rental discounting.

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 largely from recurring interest income on loans; relatively stable with growth driven by loan book expansion.

Our industry position

A small but steadily growing NBFC with a focus on niche sectors within MSME financing.

Financial highlights

FY 2024-25 revenue Rs. 3.40 Cr, net profit Rs. 0.26 Cr, showing moderate growth over previous year.

Geographical revenue split

Revenue concentrated in India; no foreign income reported.

Order book

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Whats driving growth

Growth driven by expanding MSME credit demand, new digital lending platform, and focused risk management.

Our future plans

Expansion of loan portfolio through digital channels; enhancing product offerings in SME financing.

Our green promise

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Our people and values

14 employees promoting a gender inclusive workplace with a zero tolerance policy on harassment.

Key challenges ahead

Competitive NBFC sector, regulatory compliance, and growing loan portfolio risk management.

Interesting facts

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Risks and strategy

Mitigates credit and operational risks via RBI compliance, strong audit and risk committees, and continuous board oversight.