United Credit Ltd (UNITDCR) — shareholding pattern, promoter holding, financials and share price
About United Credit Ltd (UNITDCR)
United Credit Ltd operates in the Non Banking Financial Company (NBFC) industry, within the Financial Services sector. It trades on the NSE as UNITDCR and on the BSE under scrip code 531091. Its ISIN is INE858C01027.
Incorporated in 1991, United Credit Ltd is in the business of Financing and Renting. [1]
United Credit Limited is a non-banking financial company primarily focused on hire purchase, leasing, consumer financing, investment, and capital market operations.
Originally formed following the nationalization of United Bank of India, the company has a history dating back to 1970 with a significant change in management in 1989 under Mr. Ravi Poddar.
Listed peers in Non Banking Financial Company (NBFC): Beryl Securities Ltd, Ashtasidhhi Industries Ltd, Mehta Integrated Finance Ltd, Golden Legand Leasing & Finance Ltd, Moongipa Capital Finance Ltd, Franklin Leasing & Finance Ltd.
Valuation & Returns
10 Jul 2026At ₹27.01 a share on 10 Jul 2026, United Credit Ltd (UNITDCR) was valued at a price-to-earnings ratio of 16.73x against an industry P/E of 19.5x and a price-to-book of 0.48x on a book value of ₹56.27 per share as of Mar 2025. Solomo computes return on equity of 2.87% and return on capital employed of 3.55% from filed results. Earnings ratios use standalone results for the twelve months Jun 2025 to Mar 2026.
- P/E
- 16.73x
- Industry P/E
- 19.5x
- P/B
- 0.48x
- EPS (TTM)
- ₹1.61
- Book value / share
- ₹56.27
- ROE
- 2.87%
- ROCE
- 3.55%
- ROA
- 2.81%
- Debt / equity
- 0x
- Dividend yield
- 81.51%
- EBITDA margin
- 39.68%
- 52-week range
- ₹19 – ₹37.83
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2009In the year ended Mar 2009, United Credit Ltd (UNITDCR) reported revenue of ₹1.2 crore, net profit of ₹-1.63 crore and earnings per share of ₹-3.02. That compares with revenue of ₹5.01 crore and net profit of ₹1.33 crore in Mar 2008. Figures are consolidated, as filed with the exchanges.
In the quarter ended Mar 2026, revenue was ₹0.83 crore and net profit ₹0.22 crore (standalone).
| Metric | Mar 2007 | Mar 2008 | Mar 2009 |
|---|---|---|---|
| Revenue (₹ cr) | 2.64 | 5.01 | 1.2 |
| Net profit (₹ cr) | 0.29 | 1.33 | -1.63 |
| EPS (₹) | - | - | -3.02 |
| Measure | 10Y | 5Y | 3Y | 1Y |
|---|---|---|---|---|
| Sales growth | 7.67% | 3.50% | 8.42% | -76.05% |
| Profit growth | 36.94% | 2.53% | 10.37% | -222.56% |
| Stock price CAGR | 7% | 12% | 31% | -10% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 57.31% of United Credit Ltd (UNITDCR) (unchanged from the previous quarter) and domestic institutional investors (DII) hold 0.01%. Market capitalisation was ₹14 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Mar 2001.
Largest disclosed public shareholders in Jun 2026: UNITED NANOTECH PRODUCTS LIMITED 13.93%, PRAMILA JALAN 2.9%, FAROOQ ARBI HALAI 2.69%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 57.31% | - | - | 0.01% | 42.69% |
| Mar 2026 | 57.31% | - | - | 0.01% | 42.69% |
| Dec 2025 | 57.31% | - | - | 0.01% | 42.69% |
| Sep 2025 | 57.31% | - | - | 0.01% | 42.69% |
| Jun 2025 | 57.31% | - | - | 0.01% | 42.69% |
| Mar 2025 | 57.31% | - | - | 0.01% | 42.69% |
| Dec 2024 | 57.31% | - | - | 0.01% | 42.69% |
| Sep 2024 | 57.31% | - | - | 0.01% | 42.69% |