amit@unlistedkraft.in
+91-9599071664
+91-9599071664
Maxvalue Credits and Investments Unlisted Shares
DRHP Status : Not Filed
5.2
Fundamentals About Maxvalue Credits and Investments
Downloads & Investor Documents
All documents are provided for informational purposes and are subject to regulatory disclosures.
Key Financials of Maxvalue Credits and Investments
| P&L Statement | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | 153 | 150 | 125 | 98 |
| Cost of Material Consumed | 0 | 0 | 0 | 0 |
| Change in Inventory | 0 | 0 | 0 | 0 |
| Gross Margins | 100 | 100 | 100 | 100 |
| Employee Benefit Expenses | 36 | 45 | 35 | 33 |
| Other Expenses | 58 | 51 | 32 | 26 |
| EBITDA | 59 | 54 | 58 | 39 |
| OPM | 38.56 | 36 | 46.4 | 39.8 |
| Other Income | 4 | 5 | 12 | 6.2 |
| Finance Cost | 96 | 78 | 56 | 39.3 |
| D&A | 4 | 4 | 3 | 2.5 |
| EBIT | 55 | 50 | 55 | 36.5 |
| EBIT Margins | 35.95 | 33.33 | 44 | 37.24 |
| PBT | -37 | -23 | 10 | 3.73 |
| PBT Margins | -24.18 | -15.33 | 8 | 3.81 |
| Tax | 0 | -2 | 0 | 0 |
| PAT | -37 | -21 | 10 | 3.73 |
| NPM | -24.18 | -14 | 8 | 3.81 |
| EPS | -2.38 | -0.64 | 0.28 | 0.1 |
Financial Ratios |
2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Operating Profit Margin | 38.56 | 36 | 46.4 | 39.8 |
| Net Profit Margin | -24.18 | -14 | 8 | 3.81 |
| Earning Per Share (Diluted) | -2.38 | -0.64 | 0.28 | 0.1 |
| Assets | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Fixed Assets | 30 | 28.6 | 26 | 24 |
| CWIP | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 |
| Trade Receivables | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Assets | 815 | 634.4 | 491 | 436 |
| Total Assets | 845 | 663 | 517 | 460 |
| Liabilities | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Share Capital | 155.77 | 164.75 | 178.75 | 178.75 |
| FV | 10 | 5 | 5 | 5 |
| Reserves | -67 | -89 | -78 | -75 |
| Borrowings | 416 | 185 | 225 | 267 |
| Trade Payables | 0 | 0 | 0 | 0 |
| Other Liabilities | 340.23 | 402.25 | 191.25 | 89.25 |
| Total Liabilities | 845 | 663 | 517 | 460 |
About Company
Maxvalue Credits and Investments Limited (est. 1995) is a Kerala-based, Systemically Important Non-Deposit taking NBFC focusing on retail, gold, vehicle, and microfinance loans in southern India. It offers unlisted shares with a face value of ₹5, generally targeting a share price of ₹4–₹7 with a lot size of 1,000–5,000 shares
The following table shows a 10-point analysis of Maxvalue Credits and Investments Limited. We will discuss each point in detail after this table.
| Parameter | Key Numbers | Insights |
|---|---|---|
| Business Overview | Incorporated 1995 | A well-established NBFC providing retail and MSME-focused financial services. |
| Industry | NBFC · Financial Services | Operates in a highly competitive lending segment driven by credit demand in semi-urban and rural markets. |
| Core Products | Gold loans · Vehicle loans · Business loans · Microfinance | A diversified lending portfolio reduces dependency on a single segment. |
| Network | 150+ branches | Strong physical presence supports customer acquisition and loan disbursement. |
| Customer Base | 10 lakh+ customers | A large borrower base indicates strong penetration in target segments. |
| Capital Base | Paid-up capital ₹178.76 Cr | Strong capital backing supports lending operations and growth. |
| Revenue | ₹124.99 Cr (FY24) | Decline in revenue reflects portfolio adjustments and lending slowdown. |
| Profitability | ₹10.41 Cr PAT (FY24) | Turnaround to profitability after losses in previous year. |
| Debt Position | High leverage (NBFC model) | Borrowings form a key part of funding for lending business. |
| Outlook | Moderate growth potential | Positioned to benefit from credit demand but faces margin and asset quality risks. |
Company Overview
(i) Maxvalue Credits and Investments Limited is a non-banking financial company (NBFC) engaged in providing loans and financial services to retail and small business customers.
(ii) Incorporated in 1995 and headquartered in Kerala, the company operates in the financial intermediation sector, focusing on underserved and semi-urban markets.
(iii) Its product portfolio includes gold loans, vehicle loans, microfinance, and business loans, catering to a wide range of borrowers.
(iv) The company has built a branch-led distribution model, enabling strong customer relationships and localized lending operations.
(v) With over three decades of presence, the company has established itself as a regional NBFC with diversified lending exposure.
Challenges in Maxvalue Credits and Investments Limited’s Business
- High competition in NBFC sector: Faces strong competition from banks and large NBFCs with lower cost of funds.
- Asset quality risk: Exposure to retail and MSME borrowers increases risk of NPAs during economic downturns.
- Dependence on borrowings: NBFC model relies heavily on external funding, impacting margins during interest rate cycles.
- Regulatory risk: Subject to RBI regulations, which can impact lending norms and capital requirements.
Financial Review of Maxvalue Credits and Investments Limited
Here are some highlights of the financial performance of Maxvalue Credits and Investments Limited over the past few years.
FY24 Performance
• Revenue from operations stood at ₹124.99 crore
• Profit before tax stood at ₹10.20 crore
• Profit after tax reported at ₹10.41 crore
• Strong turnaround from losses in previous year
FY23 Performance
• Revenue from operations stood at ₹149.66 crore
• Profit after tax reported at ₹-21.54 crore
• Loss due to high finance cost and operating expenses
FY22 Performance
• Revenue from operations stood at ₹152.63 crore
• Profit after tax reported at ₹-37.17 crore
• High interest cost impacted profitability
Quick Summary
Maxvalue Credits and Investments Limited is a regional NBFC with a diversified loan portfolio and strong branch network. The company has shown a recent turnaround in profitability, but continues to face challenges related to asset quality, leverage, and competition, making it a moderate-risk investment opportunity.
Click here to visit the official website of Maxvalue Credits and Investments Limited.
Promoters of Maxvalue Credits and Investments Limited
Given below are the active promoters of the company:
| Name | Designation |
|---|---|
| K Nandakumar | Managing Director |
| Manoj V R | Whole-time Director |
| Christo George | Director |
Shareholding Pattern of Maxvalue Credits and Investments
| Name | Holding |
|---|---|
| Maxvalue Capital | 13.97% |
| Other | 86.03% |
Promoters of Maxvalue Credits and Investments
| Name | Designation | Experience | Linkedin Profile |
|---|---|---|---|
| K Nandhakumar | MD | 30 yrs |  |
| Manoj V R | Whole-time Director | 20+ | |
| Chirsto George | Founder & Director | 35 yrs | |
| Salini Narayanan | CFO | 15 yrs | |
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Frequently Asked Questions
These are equity shares of the company that are not listed on NSE or BSE and are traded privately.
Yes, these shares can be purchased through private market platforms, subject to availability.
Yes, a demat account is required to hold these unlisted shares.
The company has an established presence and improving profitability, but faces NBFC-specific risks, making it a moderate-risk investment.
Yes, these shares can be sold in the secondary market depending on buyer availability.
Yes, as per SEBI regulations, pre-IPO investors are subject to a six-month lock-in period after listing.
If held for more than two years, gains are taxed at 20% with indexation; otherwise taxed as per income slab.
+91-9599071664
amit@unlistedkraft.in