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ICL Fincorp Limited Unlisted Shares Price

ICL Fincorp Limited Unlisted Shares

43

₹ 25.00 (0) (0%) 5Y

ICL Fincorp Limited Unlisted Shares

₹ 25.00

ICL Fincorp Limited Unlisted Shares

*Best In Industry

About ICL Fincorp Limited Unlisted Shares

ICL Fincorp Ltd., established in 1999, is one of South India’s fastest-growing Non-Banking Financial Companies (NBFCs), specializing in gold loans, SME finance, vehicle loans, and diversified financial services. Registered with the Reserve Bank of India, the company has evolved from a small financial services enterprise into a prominent gold-loan-focused NBFC with a rapidly expanding footprint across five southern states.

Backed by the strategic leadership of Chairman & MD Mr. K.G. Anilkumar, ICL Fincorp has scaled its operations through organic growth and acquisitions—most notably the purchase of Chennai-based Jawahar Finance, which marked its entry into the NBFC domain. Today, the company operates 200+ branches, serving customers across Kerala, Karnataka, Tamil Nadu, Telangana, and Andhra Pradesh, with a vision to expand its network to 1,000 branches nationwide.

🏆 What Makes ICL Fincorp Stand Out?

ICL Fincorp is recognized for its strong presence in the gold loan segment, which accounts for over 90% of its total lending portfolio. The company offers tailored loan schemes with tenure-linked interest rates, attractive repayment options, and strong risk management practices that safeguard asset quality—even during volatile economic periods.

Beyond gold loans, ICL also offers:

  • Business Loans for MSMEs
  • Two-Wheeler Vehicle Loans
  • Personal Loans
  • Insurance & Health Products through partnerships
  • Money Transfer, Forex, Travel & Tourism Services

Its diversified service offerings and customer-centric business model enable ICL to cater to both urban and semi-urban borrowers.

📈 Financial Growth & Loan Book Performance

ICL Fincorp has demonstrated strong and resilient financial performance:

FY19–20

  • AUM growth: 31% YoY
  • AUM: ₹249 Cr
  • PAT: ₹57.3 lakh
  • Equity Raised: 84 lakh shares @ ₹20 each

FY20–21

  • AUM growth: 21% YoY (despite COVID-19 disruptions)
  • AUM: ₹301 Cr
  • PAT: ₹2.68 Cr
  • Equity Raised: 1 Cr shares @ ₹20 each

FY21–22

  • Loan Book: ₹350 Cr
  • Revenue: ₹83 Cr
  • PAT: ₹2.7 Cr
  • Net Interest Margin (NIM): 13.47%
  • NPA: Maintained below 2%
  • P/B Ratio: 1.47x @ ₹25/share

ICL’s gold loan-led model ensures consistently low NPAs due to high collateral security and rising gold prices, making the company’s financial profile stable and low-risk.

🛡 Risk-Optimized Gold Loan Model

ICL follows a conservative, safety-first approach in gold lending:

  • Loans are disbursed at 65–70% of gold’s market value, ensuring a strong buffer against price volatility.
  • Multiple schemes allow borrowers to choose tenures from 1 month to 12 months, with interest rates adjusted to risk levels.
  • In the rare event of default, pledged gold is auctioned to recover dues, minimizing credit risk.

This scientifically structured model makes gold loans the most secure category in retail lending.

🌐 ICL Group Ecosystem

ICL Fincorp is part of the ICL Group, which includes:

  • ICL Chits Ltd
  • ICL Medilab Pvt Ltd
  • ICL Tours & Travels Pvt Ltd
  • Snow View Tex Collections Pvt Ltd

This diversified ecosystem strengthens brand trust and cross-selling capabilities across financial and lifestyle services.

Read More

Fundamentals

ICL Fincorp Limited Unlisted Shares

₹ 25.00

Per Equity Share

Lot Size

1000 Share

52 Week High

₹ 26.00

52 Week Low

₹ 25.00

Depository

NSDL & CDSL

PAN Number

AAACJ1806C

ISIN Number

INE01CY01013

CIN

U65191TN1991PLC021815

RTA

M/s Cameo Corporate Services

Market Cap (in Cr.)

₹ 175.00

P/E Ratio

71.43

P/B Ratio

1.46

Debt to Equity

4.59

ROE(%)

2.04

Book Value

17.13

Face Value

10.00

Total Shares

69823059

Financials

P&L Statement

P&L Statement
Record not found!
Financial Ratios
Record not found!

Balance Sheet

Balance Sheet
Record not found!
Liabilities
Record not found!

Cash-Flow Statement

Cash-Flow Statement
Record not found!

Data not found

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