UYFINCORP
U. Y. Fincorp financials
- Market cap
- ₹376 Cr
- Sector
- Financial Services
What U. Y. Fincorp Limited does
U. Y. Fincorp Limited is a non-deposit-taking NBFC (NBFC-ICC, RBI-registered since 1998) that originates and holds a loan book across four products: unsecured corporate loans (ticket sizes up to Rs 25 crore), micro-enterprise/business loans, personal loans, and loan-against-property (launched FY25). It lends directly through its own branch network under the GrowU.Money brand, and separately through a joint-venture arrangement with Fintech Cloud Private Limited under the Fundobaba brand, using its own NBFC licence while FCPL manages that book. It also sources personal loans via Business Correspondents and a sourcing intermediary/DSA.
Segments
- Corporate Loans
- Personal Loans
- Micro-Enterprise Loans
- Loan Against Property
- States of direct operation
- 3 (West Bengal, Uttar Pradesh, Maharashtra)
- Branch network
- 2 branches
- Business Correspondents
- 6
- Customers served (cumulative disbursals)
- 3,800+
- Customer locations (Uttar Pradesh)
- 2+
- Sourcing intermediaries (personal loans)
- 1
Quarterly results
Q1 FY27: revenue up 231.8%, net profit up 233.3% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 45 | 15 | 15 | 22 | 27 −40% | 42 +180% | 70 +367% | 73 +232% |
| EBITDA | 6 | 2 | 2 | 8 | 11 +84% | — | — | — |
| Net profit | 3 | 2 | 1 | 6 | 8 +167% | 17 +750% | 17 +1600% | 20 +233% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Performance +50.3% 1Y
1Y: ₹13.13 on 10 Sept 2025 → ₹19.74. High ₹21.39 (17 Aug 2026), low ₹11.58 (30 Mar 2026).
Financials, as filed
Revenue grew 42.3% a year over 3 years, FY23 to FY26.
| Year ending | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Revenue | ₹56 Cr | ₹122 Cr | ₹111 Cr | ₹161 Cr |
| Operating profit | ₹10 Cr | ₹9 Cr | ₹17 Cr | — |
| Operating margin | 18.1% | 7.8% | 15.3% | — |
| Interest | ₹0 Cr | ₹0 Cr | ₹1 Cr | ₹0 Cr |
| Depreciation | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Net profit | ₹8 Cr | ₹65 Cr | ₹11 Cr | ₹48 Cr |
| Net margin | 13.8% | 53.3% | 9.9% | 29.8% |
| Cash from operations | ₹-3 Cr | ₹-18 Cr | ₹7 Cr | ₹-5 Cr |
| Free cash flow | ₹-3 Cr | ₹-18 Cr | ₹13 Cr | ₹-4 Cr |
| ROE | 3.0% | 23.0% | 4.0% | 13.0% |
How to read this
From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.
Balance sheet
| Year ending | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| Equity capital | ₹95 Cr | ₹95 Cr | ₹95 Cr | ₹95 Cr | ₹95 Cr | ₹95 Cr |
| Reserves | ₹147 Cr | ₹154 Cr | ₹158 Cr | ₹223 Cr | ₹249 Cr | ₹294 Cr |
| Borrowings | ₹14 Cr | ₹1 Cr | ₹1 Cr | ₹1 Cr | ₹4 Cr | ₹3 Cr |
| Other liabilities | ₹28 Cr | ₹65 Cr | ₹41 Cr | ₹8 Cr | ₹11 Cr | ₹31 Cr |
| Total liabilities | ₹284 Cr | ₹315 Cr | ₹295 Cr | ₹327 Cr | ₹359 Cr | ₹423 Cr |
| Fixed assets | ₹1 Cr | ₹1 Cr | ₹1 Cr | ₹1 Cr | ₹5 Cr | ₹4 Cr |
| Capital work in progress | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Investments | ₹47 Cr | ₹34 Cr | ₹35 Cr | ₹19 Cr | ₹21 Cr | ₹17 Cr |
| Other assets | ₹236 Cr | ₹280 Cr | ₹259 Cr | ₹307 Cr | ₹332 Cr | ₹403 Cr |
| Total assets | ₹284 Cr | ₹315 Cr | ₹295 Cr | ₹327 Cr | ₹359 Cr | ₹423 Cr |
How to read this
As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.
Who owns it
As disclosed at Jun 2026
The ownership split has held steady since Jun 2025. The shareholder count grew 1% to 19,353.
- Promoters
- 71.4%
- FIIs
- 0.1%
- Public
- 28.6%
Since Jun 2025
- FIIs +0.01 pp
- Promoters 0.00 pp
- Public 0.00 pp
How it drifted, 12 quarters
Ownership split by quarter, oldest first. Sep '23: Promoters 70.9%, Public 29.1%.Dec '23: Promoters 71.4%, Public 28.6%.Mar '24: Promoters 71.4%, Public 28.6%.Jun '24: Promoters 71.4%, Public 28.6%.Sep '24: Promoters 71.4%, Public 28.6%.Dec '24: Promoters 71.4%, FIIs 0.0%, Public 28.6%.Mar '25: Promoters 71.4%, FIIs 0.1%, Public 28.6%.Jun '25: Promoters 71.4%, FIIs 0.1%, Public 28.6%.Sep '25: Promoters 71.4%, FIIs 0.7%, Public 27.9%.Dec '25: Promoters 71.4%, FIIs 0.7%, Public 27.9%.Mar '26: Promoters 71.4%, FIIs 0.1%, Public 28.6%.Jun '26: Promoters 71.4%, FIIs 0.1%, Public 28.6%.
Who is on the register
Named in the Jun 2026 filing
Every holder of U. Y. Fincorp Limited above SEBI's 1% disclosure line, and what changed since Mar 2026.
| Holder | Stake | Change |
|---|---|---|
| Udai Kothari | 23.21% | unchanged |
| Deepak Kothari | 19.68% | unchanged |
| Lotus Capital Financial Services Limited | 19.47% | unchanged |
| U Y Industries Private Ltd | 7.06% | unchanged |
| Main Land Finance Private Limited | 2.21% | unchanged |
| Dipti Deepak Kothari | 1.94% | unchanged |
| Deepak Kothari (Huf) | 0.01% | unchanged |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
Learn to analyse U. Y. Fincorp Limited
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