| Market Cap (cr): | ₹1,174 Cr | Book Value: | ₹13.0 |
|---|---|---|---|
| Lot Size: | 1,000 shares | 52 Week High: | ₹35.6 |
| 52 Week Low: | ₹4 | EPS: | ₹0.29 |
| Demat Account: | PB: | 2.6 | |
| Face Value: | ₹5 | Debt To Equity: | 1.84 |
| No Of Shares: | 35,75,19,507 | Url: | https://maxvaluecredits.com/ |
Overview :
Key Takeaways
- Maxvalue Credits and Investments Ltd, incorporated in 1995, is a non-banking financial company (NBFC) with a 30-year operating history in South India.
- Business focus: microfinance, gold loans and auto loans, serving affordable-segment consumers across Kerala, Andhra Pradesh and Karnataka.
- Recent reference: unlisted market price around ₹5.44 per share with market capitalisation of approximately ₹181 crore.
- Positioned as an affordable, accessible entry point into the South Indian NBFC lending story — one of the lowest per-share prices in the unlisted market.
- Company Overview & Fundamentals
| Parameter | Details |
|---|---|
| Company Name | Maxvalue Credits and Investments Limited |
| Incorporated | 1995 |
| Industry | Finance — NBFC |
| Geographic Presence | Kerala, Andhra Pradesh, Karnataka |
| Core Products | Microfinance, gold loans, auto loans |
| Recent Market Price Reference | ~₹5.44 per share |
| Market Capitalisation | ~₹181 crore |
| Positioning | Affordable, high-quality financial services for underserved consumers |
The Business Model
Maxvalue operates across three lending verticals:
1. Gold Loans — short-tenor loans against pledged gold jewellery. The safest form of retail lending in India: collateral is liquid, universally valued, and held in the lender's custody.
2. Microfinance — small-ticket loans to underserved borrowers, typically women's groups, advancing financial inclusion.
3. Auto Loans — vehicle financing for the affordable segment.
The strategic logic: South India — particularly Kerala — has among the deepest cultural gold ownership in the world, creating a natural and recurring gold-loan customer base. This is the same structural advantage that built listed giants Muthoot Finance and Manappuram Finance from Kerala roots.
- Why Consider Maxvalue Credits Unlisted Shares?
- 30-year operating history since 1995 — survived multiple credit cycles including demonetisation and COVID
- Gold-loan collateral model — the safest secured lending category in India
- South India gold density — Kerala, AP and Karnataka provide a deep, recurring customer base
- Very low entry price — at a few rupees per share, meaningful positions are achievable for small investors
- Financial inclusion mandate — microfinance and affordable lending align with policy priorities
- RBI-regulated NBFC structure provides supervisory oversight
- Risks to Consider — Read Carefully
- Small scale. At approximately ₹181 crore market capitalisation, this is a micro-cap lender with limited ability to absorb credit shocks.
- Microfinance sector stress is real and recurring. The Indian MFI industry has experienced repeated cycles of over-leveraged borrowers, collection-efficiency collapses and state-level interventions. This directly affects Maxvalue's microfinance book.
- Funding cost disadvantage. Small NBFCs borrow at materially higher rates than large rated peers, compressing spreads.
- Gold price sensitivity. A sharp gold correction reduces loan-to-value cushions and can trigger auctions.
- Geographic concentration in three southern states — regional economic shocks hit disproportionately.
- Very limited public financial disclosure. Detailed audited financials are not readily available in the public domain. Request the latest filings from Arms Securities before investing.
- Low share price is not the same as cheap. What matters is market capitalisation relative to loan book, net worth and profitability — not the rupee price per share.
- No IPO announced — assume OTC-only liquidity and a multi-year horizon.
- How to Buy from Arms Securities
Call/WhatsApp +91-8882245112 → confirm price and lot → share CMR → pay via NEFT/RTGS → shares credited in 24–48 hours.
FAQs
What is the current price of Maxvalue Credits unlisted shares?
Recent references place the unlisted price around ₹5.44 per share with market capitalisation near ₹181 crore, but prices move with OTC demand. Call +91-8882245112 for today's confirmed quote.
What does Maxvalue Credits do?
It is an NBFC incorporated in 1995 offering microfinance, gold loans and auto loans to affordable-segment consumers across Kerala, Andhra Pradesh and Karnataka.
Is Maxvalue Credits a safe investment?
Equity in any NBFC carries business risk — credit costs, funding costs and gold price movements all affect returns. Maxvalue is a micro-cap lender with limited public financial disclosure. Treat it as a high-risk, small-position holding and request the latest financials from Arms Securities before investing.
Why is the share price so low?
The low per-share price reflects a large share count relative to earnings, not necessarily poor quality. Assess the market capitalisation (~₹181 crore) against the loan book and net worth rather than the rupee price per share.
Also Read: KLM Axiva Finvest Unlisted Shares | Tax on Unlisted Shares
+91-8882245112 | contact@armssecurities.com
Balance Sheet of Maxvalue Credits and Investments Unlisted Shares
in ₹ Cr.
| category | FY23 | FY22 | FY21 |
|---|---|---|---|
| Equity | 75.95 | 88.51 | 125.69 |
| Liabilities | 586.84 | 756.17 | 710.93 |
| Total Equity and Liabilities | 662.79 | 844.68 | 836.62 |
| Net Fixed Assets | 28.64 | 29.99 | 29.15 |
| Other Non current Assets | 272.08 | 339.84 | 422.06 |
| Current Assets | 362.07 | 474.85 | 385.41 |
| Total Assets | 662.79 | 844.68 | 836.62 |
Profit and Loss of Maxvalue Credits and Investments Unlisted Shares
in ₹ Cr.
| category | FY23 | FY22 | FY21 |
|---|---|---|---|
| Net Revenue | 149.66 | 152.63 | 152.95 |
| Total Operating Cost | 96.50 | 94.49 | 66.74 |
| Operating Profit (EBITDA) | 53.16 | 58.14 | 86.21 |
| Other Income | 5.23 | 4.45 | 1.15 |
| Depreciation and Amortization Expense | 4.11 | 3.85 | 5.28 |
| Profit Before Interest and Taxes | 54.28 | 58.74 | 82.08 |
| Finance Costs | 77.61 | 96.23 | 82.52 |
| Profit Before Tax and Exceptional Items Before Tax | -23.33 | -37.49 | -0.44 |
| Exceptional Items Before Tax | 0.03 | 0.01 | 2.19 |
| Profit Before Tax | -23.30 | -37.48 | 1.75 |
| Income Tax | -1.75 | -0.31 | -0.67 |
| Profit for the Period from Continuing Operations | -21.55 | -37.17 | 2.42 |
| Profit for the Period | -21.55 | -37.17 | 2.42 |
Net Sales (in cr.)
Total Income (in cr.)
Operating Profit (in cr.)
Net Profit (in cr.)
Shareholder Funds (in cr.)
Total Assets (in cr.)
Frequently Ask Question
Have Your Any Question?
Open a demat account and buy through Arms Securities for secure, SEBI-compliant transfer.
Fill a Delivery Instruction Slip (DIS) for off-market demat transfer; Arms Securities guides and settles the process.
No lock-in for secondary trades; SEBI lock-in may apply for pre-IPO/ESOP.
Only through authorized platforms like Arms Securities.
DIS enables documented demat-to-demat transfer from seller to buyer.
Yes, with SEBI-compliant brokerage and KYC.
Short-term (<24m): slab; Long-term (≥24m): 20% post-indexation.
Yes, brokers and processes must follow SEBI rules.
From institutions and verified market participants with appropriate due diligence.
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