Berar Finance Unlisted Shares
Berar Finance is a Nagpur-based non-banking finance company that mainly lends for two-wheelers and secured MSME loans. It runs 165 branches across nine states and served around 3.61 lakh customers in FY26.
Read the full company profileBerar Finance share details
- Lot size
- 500 shares
- Min. investment
- ₹242,500
- Face value
- ₹10
- Implied market cap
- ₹717 Cr
- Shares outstanding
- 14,781,789
- Founded
- 1990
- Headquarters
- Nagpur, Maharashtra
- Website
- berarfinance.com
- ISIN
- INE998Y01017
- CIN
- U65929MH1990PLC057829
- Lock-in after IPO
- 6 months
Berar Finance share price chart
Indicative off-market dealer quotes, not exchange prices. A flat stretch means the quote did not change on those days.
About Berar Finance
Strengths
- Loan disbursements grew 25.39% in FY26 to ₹1,47,347.83 lakh, and gross income rose 21.35% to ₹35,794.86 lakh.
- Net interest income grew 25.25% to ₹17,918.00 lakh, ahead of the 19.58% rise in finance costs.
- Asset quality improved. Gross NPA fell to 3.72% from 4.43% and Net NPA fell to 2.32% from 2.89%.
- The capital adequacy ratio was 25.09% on 31 March 2026, against the 15% the RBI prescribes.
- The branch network of 165 branches across nine states serves around 3.61 lakh customers, and one more branch opened in Anand, Gujarat after the year end.
- Profit after tax rose 12.16% to ₹3,622.52 lakh, and the board recommended a dividend of ₹1 per share for FY26.
Risks
- Profit before tax grew only 3.44% to ₹4,371.20 lakh, much slower than income, because costs rose faster.
- Employee costs rose 39.63% to ₹7,804.58 lakh as the company added branches, which pressures margins until new branches mature.
- Impairment on financial instruments rose 32.63% to ₹4,142.89 lakh. Gross NPA is still 3.72% and provisioning coverage is 38.60%.
- Return on average equity fell to 8.77% from 10.36%, and return on average assets fell to 2.28% from 2.58%.
- The company funds its loans mostly with borrowings. Borrowings other than debt securities were ₹1,15,292.27 lakh and secured NCDs were ₹19,536.78 lakh, so funding cost and lender access matter.
- Cash used in operating activities was ₹37,077.31 lakh in FY26 because loan growth absorbs cash. The business depends on continued funding and fresh capital.
- Public deposits fell to ₹13,541.84 lakh from ₹19,558.32 lakh, so the funding mix is changing.
- Two-wheeler finance is the mainstay product, so a slowdown in two-wheeler demand or rural incomes would hit the loan book.
- Unlisted shares have no exchange liquidity. Prices are indicative and deals can take time to settle.
- As an NBFC the company must follow RBI rules on provisioning, capital adequacy and dividends, and any change in them can affect its growth.
Berar Finance financial performance
Revenue, profit and balance-sheet figures by fiscal year.
| Metric | FY26Latest | FY25 |
|---|---|---|
| Revenue (₹ Cr) | 358 | 295 |
| PAT (₹ Cr) | 36.23 | 32.30 |
| PAT Margin (%) | 10.13 | 10.96 |
| EPS (₹) | 27.26 | 26.18 |
| Total Assets (₹ Cr) | 2,036 | 1,589 |
Swipe the table sideways for earlier years →
Management team
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Berar Finance unlisted shares: common questions
Important disclaimer
Unlisted shares are not traded on stock exchanges. Prices shown are indicative and based on off-market transactions; they may differ from eventual listing or future market prices. Exit liquidity depends on counter-party availability. SEBI mandates a 6-month lock-in on pre-IPO shares post-listing. Gains held beyond 24 months are taxed at 12.5% LTCG (no indexation). IPO Guru is not a SEBI Registered Investment Advisor. Information here is for general awareness, not personalised investment advice. Please consult your tax advisor before investing.
