United Credit Ltd
United Credit Ltd (UNITDCR) last reported results for the quarter ended Jun 2026, with sales of ₹0.78 crore and net profit of ₹0.19 crore. The stock last traded at ₹21, a market capitalisation of ₹11.2 crore, on a P/E of 14.0. Over the past 52 weeks the stock has ranged between ₹19 and ₹37.8. Figures are as of 6 Oct 2026 and are not real time.
United Credit Ltd share price and key metrics
- Current price
- ₹21
- Market cap
- ₹11.2 cr
- Stock P/E
- 14.0
- Book value
- ₹57.9
- ROE
- 2.79%
- ROCE
- 3.59%
- Dividend yield
- 0.00%
- 52w high / low
- 37.8/19.0
Metrics as of 6 Oct 2026. Not real time.
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United Credit Ltd growth and returns
- 10 Years
- 6%
- 5 Years
- 3%
- 3 Years
- 3%
- TTM
- -5%
- 10 Years
- 30%
- 5 Years
- 0%
- 3 Years
- 6%
- TTM
- -20%
- 10 Years
- 1%
- 5 Years
- 9%
- 3 Years
- 10%
- 1 Year
- -33%
- 10 Years
- 4%
- 5 Years
- 4%
- 3 Years
- 4%
- Last Year
- 3%
United Credit Ltd quarterly results
In the quarter ended Jun 2026, sales were ₹0.78 cr, up 5.4% from ₹0.74 cr a year earlier. Net profit was ₹0.19 cr, down 24.0% year on year.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 0.88 | 0.89 | 0.81 | 0.74 | 0.76 | 0.77 | 0.83 | 0.78 |
| Expenses | 0.5 | 0.52 | 0.77 | 0.46 | 0.46 | 0.54 | 0.52 | 0.54 |
| Operating profit | 0.38 | 0.37 | 0.04 | 0.28 | 0.3 | 0.22 | 0.3 | 0.23 |
| OPM % | 43.18% | 41.57% | 4.94% | 37.84% | 39.47% | 28.57% | 36.14% | 29.49% |
| Other income | 0.15 | 0.06 | -0.02 | 0.06 | 0.02 | 0.02 | 0.02 | 0.05 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0.01 | 0.01 | 0.01 |
| Depreciation | 0.01 | 0.02 | 0.03 | 0.02 | 0.03 | 0.04 | 0.04 | 0.03 |
| Profit before tax | 0.52 | 0.41 | -0.01 | 0.32 | 0.29 | 0.2 | 0.28 | 0.25 |
| Tax % | 17.31% | 34.15% | -600.00% | 21.88% | 24.14% | 20.00% | 17.86% | 20.00% |
| Net profit | 0.43 | 0.27 | 0.05 | 0.25 | 0.23 | 0.16 | 0.22 | 0.19 |
| EPS (₹) | 0.81 | 0.51 | 0.09 | 0.47 | 0.43 | 0.30 | 0.41 | 0.36 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
United Credit Ltd annual results
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2.09 | 2.47 | 2.64 | 2.89 | 2.71 | 2.76 | 2.92 | 3.58 | 3.72 | 3.19 | 3.14 |
| Operating profit | 0.71 | 1.07 | -1.64 | 1.15 | 1.15 | 1.2 | 0.92 | 1.61 | 1.35 | 1.18 | 1.05 |
| OPM % | 33.97% | 43.32% | -62.12% | 39.79% | 42.44% | 43.48% | 31.51% | 44.97% | 36.29% | 36.99% | 33.44% |
| Net profit | 0.78 | 0.66 | 2.09 | 0.9 | 0.87 | 0.75 | 0.72 | 1.64 | 1.01 | 0.86 | 0.8 |
| EPS (₹) | 1.46 | 1.24 | 3.92 | 1.69 | 1.63 | 1.41 | 1.35 | 3.08 | 1.90 | 1.61 | 1.50 |
TTM is the trailing twelve months to the most recent quarter.
United Credit Ltd balance sheet
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 |
| Reserves | 16.30 | 16.96 | 19.04 | 19.49 | 20.37 | 21.14 | 21.85 | 23.49 | 24.49 | 25.36 |
| Borrowings | 0.10 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.13 | 0.08 | 0.15 | 0.28 |
| Other liabilities | 2.16 | 2.05 | 1.79 | 1.85 | 0.97 | 0.93 | 1.23 | 0.81 | 0.48 | 0.43 |
| Total liabilities | 24.05 | 24.52 | 26.32 | 26.83 | 26.83 | 27.56 | 28.70 | 29.87 | 30.61 | 31.56 |
| Fixed assets | 0.18 | 0.14 | 0.10 | 0.09 | 0.06 | 0.05 | 0.22 | 0.18 | 0.29 | 0.43 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.45 | 0.32 | 0.43 | 0.48 | 0.13 |
| Other assets | 23.87 | 24.38 | 26.22 | 26.74 | 26.77 | 27.06 | 28.16 | 29.26 | 29.84 | 31.00 |
| Total assets | 24.05 | 24.52 | 26.32 | 26.83 | 26.83 | 27.56 | 28.70 | 29.87 | 30.61 | 31.56 |
As reported by the company. Total assets equal total liabilities by construction.
United Credit Ltd cash flow
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from operations | 0.31 | -0.14 | -2.48 | 0.30 | 0.94 | 0.41 | 0.31 | 0.53 | -0.44 | -0.26 |
| Cash from investing | -0.01 | 0.03 | 2.61 | -0.02 | 0.00 | -0.44 | -0.13 | 0.00 | 0.04 | 0.17 |
| Cash from financing | -0.08 | -0.08 | -0.02 | -0.45 | -0.87 | 0.00 | 0.12 | -0.05 | 0.06 | 0.11 |
| Net cash flow | 0.22 | -0.19 | 0.12 | -0.16 | 0.06 | -0.03 | 0.30 | 0.47 | -0.34 | 0.02 |
| Free cash flow | 0.29 | -0.16 | -2.48 | 0.28 | 0.94 | 0.40 | 0.09 | 0.50 | -0.59 | -0.52 |
| CFO / operating profit | 52% | -12% | 145% | 26% | 84% | 53% | 46% | 33% | -12% | -6% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
United Credit Ltd operating ratios
| Per year | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 3.64% | 2.98% | 8.90% | 3.64% | 3.42% | 2.86% | 2.67% | 5.82% | 3.36% | 2.79% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
United Credit Ltd shareholding pattern
Promoters held 57.31% at Jun 2026, broadly unchanged since Jun 2025. DIIs 0.01%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% |
| DIIs | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
| Government | 0.53% | 0.53% | 0.53% | 0.53% | 0.53% | 0.53% | 0.53% | 0.53% |
| Public | 42.15% | 42.16% | 42.15% | 42.15% | 42.15% | 42.16% | 42.16% | 42.16% |
| No. of shareholders | 2,516 | 2,608 | 2,657 | 2,638 | 2,625 | 2,604 | 2,581 | 2,592 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
United Credit Ltd corporate filings
- We confirm that our Registrars, MUFG Intime India Private Limited, ''Rasoi Court'' 20, R.N.Mukherjee Road, Kolkata 700001 comply with the Regulation 74(5) of SEBI (DP) Regulations, 2018 ....Company Updatelow impact
- United Credit Limited concludes 55th AGM; shareholders approve financial statements and director re-appointmentAGM/EGMlow impact
Cruxal's analysis: United Credit Limited has successfully concluded its 55th Annual General Meeting held on…
Read the full analysis - Please be informed that pursuant to SEBI (PIT) regulations, 2015, as amended and Company''s Code for Reporting of Trading by insiders, the ''Trading Window'' for dealing in securities of ....Insider Trading / SASTlow impact
- United Credit Limited concludes 55th Annual General Meeting; re-appointment of director on agendaAGM/EGMlow impact
Cruxal's analysis: United Credit Limited has filed the proceedings of its 55th Annual General Meeting held…
Read the full analysis - United Credit Limited schedules 55th Annual General Meeting for September 28, 2026Otherslow impact
Cruxal's analysis: United Credit Limited has announced its 55th Annual General Meeting to be held on…
Read the full analysis - United Credit Limited announces 55th Annual General Meeting and e-voting schedule for FY 2025-26Company Updatelow impact
Cruxal's analysis: United Credit Limited has issued a formal notice for its 55th Annual General Meeting…
Read the full analysis - United Credit Limited Announces 55th AGM and Releases Annual Report for FY 2025-26AGM/EGMlow impact
Cruxal's analysis: United Credit Limited has scheduled its 55th Annual General Meeting for September 28…
Read the full analysis - United Credit Ltd: Newspaper publication of financial results disclosureCompany Updatelow impact
Cruxal's analysis: United Credit Ltd has filed a routine disclosure regarding the publication of its…
Read the full analysis - United Credit Ltd announces 55th Annual General Meeting scheduled for September 28, 2026Company Updatelow impact
Cruxal's analysis: United Credit Ltd has published a notice in 'Financial Express' and 'Ekdin' regarding its…
Read the full analysis - United Credit Limited reports Q1 FY27 unaudited financial results with marginal decline in profitabilityCompany Updatemedium impact
Cruxal's analysis: United Credit Limited reported total income from operations of 77.86 lakh for the quarter…
Read the full analysis - United Credit Limited schedules 55th Annual General Meeting for September 28, 2026AGM/EGMlow impact
Cruxal's analysis: United Credit Limited has announced that its 55th Annual General Meeting will be…
Read the full analysis - United Credit Ltd announces cut-off date of September 21, 2026, for 55th AGM e-votingCompany Updatelow impact
Cruxal's analysis: United Credit Ltd has scheduled its 55th Annual General Meeting for September 28, 2026…
Read the full analysis - United Credit Limited Announces Q1 FY2027 Financial Results and Schedules 55th Annual General MeetingAGM/EGMlow impact
Cruxal's analysis: United Credit Limited has formally approved its un-audited financial results for the…
Read the full analysis - United Credit Limited reports Q1 FY2027 financial results and announces 55th Annual General MeetingBoard Meetinglow impact
Cruxal's analysis: United Credit Limited reported a net profit of 19.38 lakh for the quarter ended June 30…
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