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U. Y. Fincorp Limited (UYFINCORP)

₹25.09 +1.21% last close, 16 Oct

📊 NSE: UYFINCORP 🏢 Finance & Investments 📢 Latest filing: 16 Oct 2026 📝 Analysis written: 14 Dec 2025

Latest quarterly results (Q1 FY27)

In its latest reported quarter, Q1 FY27, U. Y.'s net interest income was ₹72.4 Cr (+229.3% year on year, +3.5% on the previous quarter), and net profit ₹19.6 Cr (+226.9% year on year).

Q1 FY27 (₹ Cr)	Value	YoY vs Q1 FY26	QoQ
Net interest income	₹72.4	+229.3%	+3.5%
Operating profit	₹25.7	—	—
Net profit	₹19.6	+226.9%	+15.4%
EPS (₹)	1.03	+232.3%	+12.0%

Full quarterly financials → Results calendar →

UYFINCORP exchange data

NSE end-of-day data for Fri, 16 Oct 2026

It closed at a price band (circuit) on 7 sessions in about the last 20.

₹25.09NSE close · +1.21%

Circuit stocks →

A description of what the exchange published, not a recommendation. Names such as "accumulation" or "long buildup" label a pattern in the numbers. How delivery is analysed

📢 Recent Corporate Announcements

UY Fincorp Submits Regulation 74(5) Demat Compliance Certificate for Q2 Ended Sep 30, 2026

🟡 NEUTRAL ⭐ 1/10

ROUTINE 📅 16 Oct 2026, 06:00 PM

U. Y. Fincorp Limited has submitted its quarterly compliance certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended September 30, 2026. The certificate was issued by the company's Registrar and Share Transfer Agent (RTA), Niche Technologies Private Limited, dated October 6, 2026. The filing confirms that securities received for dematerialisation during the quarter were processed, confirmed, and mutilated as per regulatory norms. This is a mandatory administrative disclosure with no impact on the company's financials.

Compliance certificate filed for the quarter ended September 30, 2026 (30.09.2026)
Certificate issued by RTA Niche Technologies Private Limited on October 6, 2026 (06.10.2026)
Intimation submitted to BSE (Code: 530579) and NSE (Code: UYFINCORP) on October 16, 2026

💡 No action is required as this is a standard quarterly regulatory filing. Investors should instead monitor upcoming announcements regarding Q2 FY27 financial results.

U. Y. Fincorp Shareholders Approve Auditor Appointment & Director Re-appointment at 33rd AGM

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 01 Oct 2026, 06:22 PM

U. Y. Fincorp Limited announced the voting outcome of its 33rd Annual General Meeting held on September 30, 2026. Shareholders approved all agenda items, including the adoption of audited financial statements for FY26 and material related-party transactions for FY27. M/s. Praveen K Srivastava & Co, Chartered Accountants, was appointed as statutory auditor for a five-year term until the 38th AGM. Additionally, Mr. Dinesh Burman was re-appointed as Whole-time Director for a three-year period starting May 30, 2027.

Adoption of audited financial statements as of March 31, 2026 approved at the 33rd AGM
M/s. Praveen K Srivastava & Co appointed as statutory auditors for a 5-year tenure up to the 38th AGM
Re-appointment of Whole-time Director Mr. Dinesh Burman approved for a 3-year term effective May 30, 2027
Approval granted for material Related Party Transactions for FY 2026-27 up to the 2027 AGM
Meeting conducted on September 30, 2026, commencing at 11:30 AM and concluding at 11:52 AM

💡 Track the upcoming Q2 FY27 operational and financial results, along with disclosures on material related-party transactions.

U. Y. Fincorp AGM Approves All 5 Resolutions Including Auditor Appointment & RPT

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 01 Oct 2026, 06:15 PM

U. Y. Fincorp Limited announced the voting results and scrutinizer report for its 33rd Annual General Meeting held on September 30, 2026. Shareholders approved all 5 agenda resolutions with requisite majority, including the adoption of FY26 financial statements and the appointment of M/s. Praveen K Srivastava and Co. as statutory auditors for a 5-year term. Additionally, shareholders cleared the re-appointment of Executive Director Dinesh Burman for three years effective May 30, 2027, and approved material related party transactions with 99.88% approval.

All 5 resolutions passed at the 33rd AGM held via Video Conferencing on September 30, 2026
Adoption of audited financial statements approved with 140,710,688 votes in favor (100%)
M/s. Praveen K Srivastava & Co. appointed as statutory auditors for 5 years until the 38th AGM
Re-appointment of Mr. Dinesh Burman as Whole-time Director approved for 3 years w.e.f. May 30, 2027
Material related party transactions resolution approved with 99.88% votes in favor (4,685,382 votes)

💡 Track the upcoming Q2 FY27 earnings to monitor asset quality and disbursements given the company's concentration in corporate loans.

U. Y. Fincorp Submits FY26 Annual Report; Lending Book Grew to ₹356.53 Cr

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 08 Sep 2026, 05:13 PM

U. Y. Fincorp Limited has submitted its 33rd Annual Report for FY 2025-26 and scheduled its AGM for September 30, 2026, with share transfer books closed from September 24 to September 30, 2026. For FY 2025-26, the company reported revenue from operations of ₹161.64 Cr (up from ₹111.05 Cr in FY25) and profit before tax of ₹66.64 Cr (up from ₹16.94 Cr). The total lending portfolio expanded to ₹356.53 Cr as of March 31, 2026, up from ₹274.57 Cr in the previous year. The entire reported loan book of ₹356.53 Cr is classified as unsecured, with Gross NPAs at ₹8.43 Cr.

Revenue from operations increased to ₹16,164.13 Lakhs in FY26 compared to ₹11,104.61 Lakhs in FY25
Profit before tax surged to ₹6,664.38 Lakhs against ₹1,693.88 Lakhs in the previous year
Lending portfolio expanded to ₹35,652.97 Lakhs as of March 31, 2026, from ₹27,457.34 Lakhs a year earlier
Book closure set from September 24, 2026 to September 30, 2026 for the 33rd AGM on September 30, 2026
Gross NPAs reported at ₹843.27 Lakhs with Net NPAs at ₹0.00

💡 Monitor voting outcomes and management commentary from the 33rd Annual General Meeting on September 30, 2026, alongside asset quality trends in subsequent quarterly results.

UY Fincorp Convenes 33rd AGM on Sep 30, 2026; Lending Book Up to ₹356.5 Cr in FY26

🟡 NEUTRAL ⭐ 3/10

ROUTINE 📅 08 Sep 2026, 05:13 PM

U. Y. Fincorp Limited has issued notice for its 33rd Annual General Meeting scheduled for September 30, 2026, alongside publishing its FY2025-26 Annual Report. The company reported FY26 revenue from operations of ₹161.64 Cr (₹16,164.13 Lakhs), up from ₹111.05 Cr in FY25, while Profit Before Tax rose to ₹66.64 Cr. Its loan portfolio expanded to ₹356.53 Cr as of March 31, 2026, compared to ₹274.57 Cr in the prior year. The register of members and share transfer books will be closed from September 24 to September 30, 2026.

33rd Annual General Meeting scheduled for September 30, 2026
Book closure set from September 24, 2026 to September 30, 2026
FY26 Revenue from Operations reported at ₹16,164.13 Lakhs (₹161.64 Cr) vs ₹11,104.61 Lakhs in FY25
FY26 Profit Before Tax grew to ₹6,664.38 Lakhs (₹66.64 Cr) vs ₹1,693.88 Lakhs in FY25
Total lending portfolio expanded to ₹35,652.97 Lakhs (₹356.53 Cr) as of March 31, 2026

💡 Track shareholder resolutions passed at the AGM on September 30, 2026, and monitor asset quality disclosure given the substantial unsecured lending exposure.

U. Y. Fincorp Approves 5-Year Term for Statutory Auditor & Re-appoints Executive Director

🟡 NEUTRAL ⭐ 3/10

MANAGEMENT 📅 05 Sep 2026, 03:33 PM

U. Y. Fincorp Limited held its Board Meeting on September 5, 2026, approving key resolutions ahead of its 33rd Annual General Meeting (AGM). The board recommended the formal appointment of M/s Praveen K Srivastava & Co as Statutory Auditors for a 5-year tenure (33rd AGM to 38th AGM) to fill the casual vacancy created by M/s B Nath & Co's resignation. Additionally, the board approved the re-appointment of Mr. Dinesh Burman as Whole-time Executive Director for 3 years effective May 30, 2027, and passed material Related Party Transactions for FY 2026-27, subject to shareholder approval.

Proposed appointment of M/s Praveen K Srivastava & Co as Statutory Auditors for a 5-year term from 33rd to 38th AGM
Auditor appointment regularises casual vacancy caused by the resignation of M/s B Nath & Co
Approved re-appointment of Mr. Dinesh Burman as Whole-time Executive Director for 3 years w.e.f. May 30, 2027
Approval granted for material Related Party Transactions for FY 2026-27 subject to shareholder vote

💡 Educational: Monitor the voting results of the 33rd AGM for shareholder approval of the statutory auditor appointment and related party transactions.

U. Y. Fincorp Submits Insider Trading Disclosure Under SEBI PIT Regulations

🟡 NEUTRAL ⭐ 2/10

ROUTINE 📅 20 Aug 2026, 05:50 PM

U. Y. Fincorp Limited has submitted an insider trading disclosure to the exchanges pursuant to Regulation 7(2)(b) of SEBI (Prohibition of Insider Trading) Regulations, 2015. The filing pertains to disclosures received under Regulation 7(2)(a) from Dipti Deepak Kothari. The cover letter dated August 20, 2026, forwards the details for record-keeping, though specific transaction quantities or values were not detailed in the cover letter text.

Filing made under Regulation 7(2)(b) of SEBI (PIT) Regulations, 2015
Pertains to insider trading disclosure received from Dipti Deepak Kothari
Intimation signed by Executive Director Dinesh Burman dated August 20, 2026

💡 Track subsequent detailed shareholding pattern filings or insider trading disclosure annexures to evaluate any meaningful change in promoter/insider ownership.

Rs 19.62 Cr Net Profit in Q1 FY27, Revenue Surges 230% YoY to Rs 72.51 Cr

🟢 POSITIVE ⭐ 8/10

EARNINGS 📅 10 Aug 2026, 01:45 PM

U. Y. Fincorp reported a robust Q1 FY27 with a net profit of Rs 19.62 Cr, a 228% increase from Rs 5.97 Cr in the same quarter last year. Revenue from operations reached Rs 72.51 Cr, significantly exceeding the previous TTM revenue of Rs 65 Cr, driven primarily by interest income of Rs 50.21 Cr. The company's EPS for the quarter improved to Rs 1.03 from Rs 0.31 YoY. Additionally, the company is progressing with a proposed private placement of up to Rs 50 Cr, having received in-principle approvals in July 2025.

Net Profit surged 228% YoY to Rs 19.62 Cr from Rs 5.97 Cr in June 2025.
Revenue from operations grew 230% YoY to Rs 72.51 Cr, compared to Rs 21.93 Cr in the year-ago period.
Interest income contributed Rs 50.21 Cr, representing 69% of total quarterly revenue.
Earnings Per Share (EPS) rose to Rs 1.03 for the quarter, up from Rs 0.31 YoY.
The company has in-principle approval to raise up to Rs 50 Cr through private placement of equity.

💡 Investors should monitor the sustainability of the high interest income and the execution of the Rs 50 Cr fundraise, which represents approximately 14.6% of the current market cap.

Board Meeting Scheduled for August 10, 2026, to Consider Q1 Financial Results

🟡 NEUTRAL ⭐ 3/10

BOARD_MEETING 📅 04 Aug 2026, 06:04 PM

U. Y. Fincorp Limited has scheduled a Board of Directors meeting on Monday, August 10, 2026. The primary agenda is to consider and approve the unaudited financial results for the first quarter ended June 30, 2026. In compliance with SEBI Insider Trading regulations, the trading window for designated persons, which has been closed since June 29, 2026, will remain closed until 48 hours after the results are disclosed.

Board meeting scheduled for August 10, 2026, to review quarterly performance
Financial results pertain to the first quarter ended June 30, 2026
Trading window has been closed since June 29, 2026, for designated persons
Trading window to remain closed until 48 hours post-announcement of results

💡 Investors should monitor the exchange filings on August 10, 2026, for the company's Q1 financial performance and any other matters discussed during the board meeting.

U. Y. Fincorp Appoints New Statutory and Internal Auditors Following Resignations

🔵 WATCH ⭐ 7/10

MANAGEMENT 📅 24 Jul 2026, 04:49 PM

U. Y. Fincorp has appointed M/s Praveen K Srivastava & Co as Statutory Auditors and M/s Seth and Associates as Internal Auditors effective July 24, 2026. These appointments fill casual vacancies created by the simultaneous resignations of the previous auditors, M/s B. Nath & Co. and M/s R K Lodha & Associates. The new statutory auditor will hold office until the conclusion of the next Annual General Meeting. This change is significant for a company managing an AUM of Rs 226.62 Cr with a high concentration in corporate loans.

Appointment of M/s Praveen K Srivastava & Co as Statutory Auditors effective July 24, 2026
Appointment of M/s Seth and Associates as Internal Auditors for the financial year 2026-27
Replacement of two audit firms (Statutory and Internal) due to casual vacancies caused by resignations
Company manages a total AUM of Rs 226.62 Cr as per latest qualitative filings
Corporate loans account for 82.48% of the total AUM, indicating high segment concentration

💡 Investors should monitor the upcoming Annual General Meeting for the formal ratification of the statutory auditor and review the next quarterly results for any changes in accounting treatments or disclosures.

UY Fincorp Internal Auditor M/s R. K. Lodha & Associates Resigns Effective July 23, 2026

🟡 NEUTRAL ⭐ 3/10

MANAGEMENT 📅 23 Jul 2026, 06:15 PM

U. Y. Fincorp Limited has announced the immediate resignation of its internal auditors, M/s R. K. Lodha & Associates, effective July 23, 2026. The auditors cited 'pre-occupation in other assignments' as the reason for their departure for the Financial Year 2026-27. This change occurs in a company with a market capitalization of Rs 318 Cr and a total AUM of Rs 226.62 Cr. While internal auditor changes are generally less critical than statutory auditor changes, it remains a key governance event for a finance company.

Resignation of internal auditor effective from the close of business hours on July 23, 2026
Auditor was previously appointed for the full Financial Year 2026-27
Company manages a total AUM of Rs 226.62 Cr as per latest qualitative disclosures
Corporate loans represent a high concentration of 82.48% of the total AUM
Reason for resignation cited as pre-occupation in other assignments

💡 Investors should monitor the company's next filing for the appointment of a new internal auditor to ensure continuity in risk assessment and internal governance frameworks.

U. Y. Fincorp Internal Auditor R. K. Lodha & Associates Resigns Effective July 23, 2026

🟡 NEUTRAL ⭐ 3/10

MANAGEMENT 📅 23 Jul 2026, 06:13 PM

U. Y. Fincorp Limited has announced the immediate resignation of its Internal Auditors, M/s R. K. Lodha & Associates, effective July 23, 2026. The firm cited 'pre-occupation in other assignments' as the reason for stepping down for the Financial Year 2026-27. This administrative change occurs as the company manages a TTM revenue of Rs 65 Cr and a net worth of Rs 389 Cr. The resignation was tendered and accepted on the same day, with no reported disagreements.

Resignation of M/s R. K. Lodha & Associates (Firm Reg No. 316194E) as Internal Auditors.
Cessation is effective from the close of business hours on July 23, 2026.
The auditors were previously appointed for the full Financial Year 2026-27.
Reason for resignation is stated as 'pre-occupation in other assignments' per the letter dated July 23, 2026.
Company maintains a Corporate Loan AUM of Rs 226.62 Cr which requires ongoing internal oversight.

💡 Monitor the company's next filing for the appointment of a successor internal auditor to ensure continuity in risk management and internal control frameworks.

U. Y. Fincorp Submits Quarterly Compliance Certificate for Dematerialization (June 2026)

🟡 NEUTRAL ⭐ 2/10

ROUTINE 📅 17 Jul 2026, 04:26 PM

U. Y. Fincorp Limited has filed its quarterly compliance certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018. The document, issued by the Registrar and Share Transfer Agent (RTA) Niche Technologies Private Limited, confirms the processing of dematerialization requests for the quarter ended June 30, 2026. This is a standard procedural filing confirming that share certificates received were mutilated, cancelled, and the depository's name was updated in the register of members. There are no financial implications or changes to business operations arising from this announcement.

Quarterly compliance certificate submitted for the period ended 30th June 2026
Confirmation received from RTA M/s Niche Technologies Private Limited
Compliance pertains to Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018
Confirms that security certificates for dematerialization were mutilated and cancelled after verification

💡 This is a routine administrative filing. Investors should monitor the company's upcoming quarterly financial results for actual business performance indicators.

Trading Window Closure from July 1, 2026, for Q1 FY27 Results

🟡 NEUTRAL ⭐ 2/10

ROUTINE 📅 29 Jun 2026, 05:43 PM

U. Y. Fincorp Limited has announced the closure of its trading window for all designated persons starting July 1, 2026. This is a standard regulatory requirement under SEBI (Prohibition of Insider Trading) Regulations, 2015, ahead of the declaration of financial results. The window will remain closed until 48 hours after the announcement of the unaudited financial results for the quarter ended June 30, 2026. This procedural filing ensures that insiders do not trade on unpublished price-sensitive information.

Trading window closure effective from July 1, 2026
Window remains closed until 48 hours after Q1 FY27 results declaration
Applicable to all Designated Persons as per the Company's Insider Trading Code
Filing made in compliance with SEBI (Prohibition of Insider Trading) Regulations, 2015

💡 No action is required from retail investors; watch for the upcoming board meeting date announcement to know when the Q1 FY27 results will be released.

U. Y. Fincorp Reports FY26 Audited Results; Net Profit at ₹42.38 Crore

🟢 POSITIVE ⭐ 7/10

EARNINGS 📅 28 May 2026, 06:32 PM

U. Y. Fincorp Limited has officially published its audited financial results for the quarter and full year ended March 31, 2026, in major national newspapers. The company reported a total income of ₹86.58 crore for the financial year. Net profit for the period stood at ₹42.38 crore, demonstrating the company's profitability in the financial services sector. The reported Earnings Per Share (EPS) for the year is ₹11.93, providing a key metric for valuation assessment.

Total income for the financial year ended March 31, 2026, reached ₹86.58 crore
Net profit after tax (PAT) for the fiscal year reported at ₹42.38 crore
Earnings Per Share (EPS) for the period stood at ₹11.93
Compliance fulfilled via newspaper publications in The Economic Times and The Times of India on May 28, 2026

💡 Investors should analyze the full audited report to evaluate the quality of the loan book and Net Interest Margins (NIMs). The EPS of ₹11.93 should be compared against the current market price to determine the P/E valuation relative to NBFC peers.

View All UYFINCORP Announcements on Live Market Tracking →

💰 Financial Performance

Revenue Growth by Segment

Total revenue from operations decreased by 8.87% YoY, falling from INR 121.85 Cr in FY24 to INR 111.05 Cr in FY25. However, the Corporate Loan segment showed strong growth, with its Assets Under Management (AUM) increasing by 33.4% from INR 169.88 Cr to INR 226.62 Cr during the same period.

Geographic Revenue Split

The company currently operates through 2 branches and 6 Business Correspondents specifically targeting locations in Uttar Pradesh, serving over 3,800 customers. Detailed percentage split by region is not disclosed, but the focus is on expanding into newer geographies.

Profitability Margins

The company recorded a Profit Before Tax (PBT) of INR 16.94 Cr for FY25. Based on revenue of INR 111.05 Cr, the PBT margin stands at approximately 15.25%. Key financial ratios saw fluctuations of 25% or more due to a reduction in the sale of securities and a decrease in trade receivables.

EBITDA Margin

Core profitability is driven by interest income from a total AUM of approximately INR 274.76 Cr. While a specific EBITDA % is not explicitly named, the PBT margin of 15.25% reflects the net profitability after operational and interest costs.

Credit Rating & Borrowing

The company engages in inter-corporate lending and borrowing with related parties at an interest rate of 9.00% per annum for unsecured business purposes, as seen in transactions with entities like Quality Laminators and R.K. Pan Masala Private Limited.

⚙️ Operational Drivers

Raw Materials

As an NBFC, the primary 'raw material' is Capital/Debt Funds. Interest expense on borrowings represents the core input cost, while human resources (talent acquisition and retention) are cited as a critical resource for organizational effectiveness.

Import Sources

Not applicable for financial services; capital is sourced from domestic financial institutions, banks, and related party inter-corporate deposits.

Key Suppliers

Financial sourcing involves Banks and related parties such as Quality Laminators and R.K. Pan Masala Private Limited (providing/receiving loans at 9% interest).

Capacity Expansion

Current operational capacity includes 2 physical branches and 6 Business Correspondents. Expansion is planned through both organic and inorganic opportunities to increase the customer base beyond the current 3,800+ clients.

Raw Material Costs

Not applicable in a traditional manufacturing sense; however, the cost of borrowing is approximately 9% for specific unsecured loans. Operational costs are influenced by the 'right talent' acquisition strategy.

Manufacturing Efficiency

Not applicable; efficiency is measured by loan disbursement volume (3,800+ customers) and the use of AI/Machine Learning for personalized financial advice and predictive analytics.

Logistics & Distribution

Distribution is handled through a digital-first approach under the 'GrowU' and 'Fundobaba' (in collaboration with Fintech Cloud Private Limited) brands.

📈 Strategic Growth

Growth Strategy

Growth will be achieved by expanding into new geographical markets and diversifying service offerings. The company is leveraging technological advancements in AI and machine learning to enhance user experience and is focusing on financial inclusion for the lower half of the socio-economic pyramid.

Products & Services

Corporate loans (ticket sizes up to INR 25 Cr), micro-enterprise loans (business loans), personal loans, and loans against property.

Brand Portfolio

GrowU, Fundobaba (via Fintech Cloud Private Limited).

New Products/Services

Upcoming product launches and enhancements in the digital finance space are expected to increase user engagement and attract a wider audience, though specific revenue contribution % is not yet quantified.

Market Expansion

Targeting expansion into newer geographies through organic and inorganic opportunities, specifically building on the existing footprint in Uttar Pradesh.

Strategic Alliances

Partnership with Fintech Cloud Private Limited (FCPL) for the 'Fundobaba' branding and arrangements with sourcing intermediaries for personal loans.

🌍 External Factors

Industry Trends

The NBFC and Fintech industry is shifting toward digital solutions and financial inclusion. UYFINCORP is positioning itself by integrating AI/ML and focusing on sustainable finance to resonate with socially conscious investors.

Competitive Landscape

Faces stiff competition from both traditional banking sectors and emerging fintech companies entering the lending space.

Competitive Moat

Competitive advantage is derived from technological prowess (AI/ML), a customer-centric approach leading to high retention, and strategic foresight in digital finance. These are sustainable through continuous tech investment and brand building (GrowU).

Macro Economic Sensitivity

Highly sensitive to industrial growth rates and economic cycles, as slow industrial growth impacts the credit demand from mid-sized and corporate clients.

Consumer Behavior

Shift toward digital finance and mobile-based loan sourcing, which the company addresses through its collaboration with Fintech Cloud Private Limited.

Geopolitical Risks

Not explicitly detailed, though general economic uncertainties are managed through a robust risk management framework.

⚖️ Regulatory & Governance

Industry Regulations

Subject to RBI regulations for NBFCs, SEBI Listing Regulations, and the Companies Act, 2013. Compliance includes KYC/AML norms and Prevention of Sexual Harassment (POSH) Act requirements.

Environmental Compliance

The company has a Corporate Social Responsibility (CSR) policy and is focusing on sustainable finance and ethical investing initiatives.

Legal Contingencies

No incidence of non-compliance reported under SEBI (Prohibition of Insider Trading) Regulations, 2015. No specific pending court case values were disclosed.

⚠️ Risk Analysis

Key Uncertainties

Credit risk and potential defaults in the unsecured corporate loan segment (82.48% of AUM) represent the highest uncertainty, potentially impacting the bottom line if asset quality deteriorates.