Emerald Leasing Finance and Investment Co Ltd
BSE:538882
Emerald Leasing Finance and Investment Co Ltd
Emerald Leasing Finance & Investment Co. Ltd. engages in the provision of banking and financial services to corporate and retail customers. The company is headquartered in Chandigarh, Chandigarh. The company went IPO on 2015-01-13. The firm is engaged in providing loans to small and medium enterprises (SMEs). The firm offer a range of banking products and financial services. The firm elaborate system of vetting any loan proposal. The firm grants loans ranging from approximately INR 5,000 onwards. The Company’s subsidiary is Eclat Net Advisors Pvt. Ltd. (ENAPL).
Emerald Leasing Finance & Investment Co. Ltd. engages in the provision of banking and financial services to corporate and retail customers. The company is headquartered in Chandigarh, Chandigarh. The company went IPO on 2015-01-13. The firm is engaged in providing loans to small and medium enterprises (SMEs). The firm offer a range of banking products and financial services. The firm elaborate system of vetting any loan proposal. The firm grants loans ranging from approximately INR 5,000 onwards. The Company’s subsidiary is Eclat Net Advisors Pvt. Ltd. (ENAPL).
Strong Profit Growth: Net profit jumped 104% YoY to INR 8.7 crores (standalone) and 73% to INR 10.7 crores (consolidated) for the first nine months.
Revenue Expansion: Standalone income grew 68% YoY, while consolidated income rose 42% to INR 21.4 crores for the nine months.
Credit Caution: Company is prioritizing credit quality over aggressive client onboarding due to market turbulence, leading to a slower addition of EWA clients but steady profit and revenue growth.
Digital Initiatives: Launched a mobile app and enabled loan disbursements via WhatsApp, driving operational progress.
CRISIL Rating Upgrade: Investment grade rating improved to BBB-, helping lower cost of funds and facilitate new bank relationships.
EWA Growth: EWA disbursements reached INR 8.5 crores per month, targeting INR 11.5–12 crores by March 2026, with EWA now contributing 4.5% of consolidated revenue.
Low NPAs: NPA for Q3 was INR 26 lakhs (mostly from one corporate), with INR 17 lakhs already recovered and full recovery expected.
Guidance Maintained: Management expects to close the year with EPS above INR 4 and aims for continued 20–25% AUM growth next year.
