Fincare Business Finance Unlisted Share
₹114▲0.00%(0.00)
About the company
Fincare Business Services Limited is a financial services company incorporated in 2014, with its core business driven through its subsidiary, Fincare Small Finance Bank. The group focuses on expanding access to formal banking and financial services for underserved communities across India, particularly in rural and semi-urban regions. By combining technology with a customer-centric approach, the company aims to bridge the financial inclusion gap and empower individuals, small businesses, and micro-enterprises that have traditionally had limited access to banking.
Fincare Small Finance Bank follows a digital-first banking model, offering a wide range of financial products and services, including savings accounts, deposits, loans, and payment solutions. Its primary objective is to improve access to credit, savings, and other essential financial services for unbanked and underbanked individuals, MSMEs, self-employed professionals, and businesses operating in the informal sector. Through a strong last-mile distribution network and digital banking capabilities, the company continues to make banking more accessible and convenient for customers across the country.
Fundamentals
Valuation
| Metric | Value |
|---|---|
| 52 week high | — |
| 52 week low | — |
| P/B ratio | 2.27 |
| ROE (%) | 6.66% |
| Book value | ₹50.11 |
| Face value | ₹1 |
P/B ratio
ROE (%)
| Metric | Value |
|---|---|
| P/B ratio | 2.27 |
| ROE (%) | 6.66% |
Registry
| Metric | Value |
|---|---|
| PAN number | AACCF4303J |
| ISIN number | INE957R01025 |
Figures in cr ·
Financials
| P&L Statement | 2023Latest | 2022 | 2021 | 2020 |
|---|---|---|---|---|
| PAT | 82 | -29 | 70 | 126 |
| EPS | 2.48 | -0.88 | 2.13 | 3.84 |
| Interest earned | 1,886 | 1,704 | 1,440 | 1,193 |
| Interest expended | 666 | 580 | 570 | 470 |
| Other income | 10 | 4 | 7 | 7 |
| Operating expenses | 835 | 644 | 469 | 404 |
| Provisions & contingencies | 251 | 528 | 316 | 112 |
| Gross NPA (%) | 3.9 | 0 | 0 | 0 |
| Net NPA (%) | 1.1 | 0 | 0 | 0 |
Shareholding Pattern
Wagner Limited
True North Fund V LLP
INDIUM IV (Mauritius) Holdings Limited
Omega TC Holdings Pte. Ltd.
Other
| Holder | Percentage |
|---|---|
| Wagner Limited | 17.75% |
| True North Fund V LLP | 16.49% |
| INDIUM IV (Mauritius) Holdings Limited | 16.40% |
| Omega TC Holdings Pte. Ltd. | 8.42% |
| Other | 40.94% |
Leadership
Frequently asked questions
Common questions on Fincare Business Finance Unlisted Share—tap a row to read the answer.
Q.1What does Fincare Business Finance Limited do?
Fincare Business Finance Limited is a financial services holding company whose primary business is driven through its subsidiary, Fincare Small Finance Bank. The bank focuses on serving underbanked and underserved individuals, micro-enterprises, and MSMEs across India. Its offerings include savings accounts, business loans, microfinance, fixed deposits, and other digital banking services, with a strong presence in rural and semi-urban markets.
Q.2Can investors buy Fincare Business Finance Limited unlisted shares in India?
Yes. Investors can legally purchase Fincare Business Finance Limited unlisted shares through private market transactions. The shares are generally transferred through registered depository accounts after the necessary documentation and payment formalities are completed. Before investing, it is advisable to verify the latest share availability, valuation, and company-related disclosures.
Q.3Is investing in Fincare Business Finance Limited unlisted shares legal?
Yes. Buying and selling unlisted shares is legal in India as long as the transaction complies with applicable regulations issued by SEBI, the Companies Act, and depository guidelines. Investors should always deal through legitimate channels and ensure that all share transfers are properly recorded.
Q.4What factors should investors evaluate before investing in Fincare Business Finance Limited?
Before investing, consider factors such as the company's financial performance, growth strategy, exposure to the banking sector, asset quality, profitability, capital position, corporate governance, and any future plans such as fundraising, mergers, or a potential public listing. Evaluating the long-term prospects of its banking business is equally important.
Q.5Is there a lock-in period for Fincare Business Finance Limited unlisted shares?
Generally, there is no standard lock-in period when purchasing unlisted shares through secondary market transactions. Once the shares are credited to your demat account, they can usually be sold whenever a buyer is available. However, shares allotted through specific private placements or employee stock plans may have separate lock-in conditions.
Q.6How can I sell Fincare Business Finance Limited unlisted shares?
You can sell your Fincare Business Finance Limited unlisted shares by finding a willing buyer through an intermediary dealing in unlisted securities. After both parties agree on the transaction, the shares are transferred from your demat account and the payment is settled according to the agreed process.
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