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Maxvalue Credits and Investments ₹4.50 ▼ 5.3% 1M
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Maxvalue Credits and Investments Unlisted Shares

Financial Services NBFC (gold loans and vehicle loans)

Maxvalue Credits and Investments is a Kerala-based NBFC regulated by the RBI since 1995. It lends mainly through gold loans and vehicle loans across Kerala, Karnataka, Andhra Pradesh and Tamil Nadu.

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Indicative price
As of 23 Oct 2026
₹4.50 ▼ 5.26% in 1 month
Key facts

Maxvalue Credits and Investments share details

Lot size
10,000 shares
Min. investment
₹45,000
Face value
₹5
Implied market cap
₹161 Cr
Shares outstanding
357,519,507
Founded
1995
Website
maxvaluecredits.com
ISIN
INE040401023
CIN
U65921KL1995PLC009581
Lock-in after IPO
6 months
Price history

Maxvalue Credits and Investments share price chart

1Y change
+0.00%
High
₹6.00
Low
₹4.50

Indicative off-market dealer quotes, not exchange prices. A flat stretch means the quote did not change on those days.

About

About Maxvalue Credits and Investments

Maxvalue Credits and Investments Limited is a non-banking finance company (NBFC) registered with the Reserve Bank of India. It has been RBI regulated since 1995. The company gives gold loans, vehicle loans, traders loans and microfinance loans, and raises money from the public through secured non-convertible debentures and subordinated debentures. As of 31 March 2025, the company had 78 branches in Kerala, 50 in Karnataka, 9 in Andhra Pradesh and 2 in Tamil Nadu. Its portfolio was worth Rs. 460.41 crore at that date, down from Rs. 517.29 crore a year earlier. Gold loans make up 50% of assets under management and vehicle loans 27%. In FY25 the company reported total income of Rs. 104.70 crore, against Rs. 136.72 crore in FY24. Net profit for the year was Rs. 3.73 crore. The figures here are from the annual report for 2024-25. The company reports that its capital adequacy ratio was 33.97% at 31 March 2025. The annual report says the company has no promoters as defined in its shareholding disclosure. Manoj V. Raman is Chairman and Managing Director. The report also states that the RBI withdrew its show cause notice in 2024, but the supervisory restrictions placed on 4 February 2020 are still in force, and the company has applied to have them lifted. The company has not announced an IPO and IPO Guru has no listing journey for it. Unlisted shares of a company like this are dealt off the market between private buyers and sellers, so the price we show (₹4.5 per share, lot of 10000 shares) is only indicative.

Strengths

  • Long track record: the company has been RBI regulated as an NBFC since 1995 and reports a base of customers across South India.
  • Capital adequacy ratio of 33.97% at 31 March 2025, well above the 15% statutory requirement quoted in the report.
  • Branch network of 78 branches in Kerala, 50 in Karnataka, 9 in Andhra Pradesh and 2 in Tamil Nadu.
  • Loan mix is shifting towards gold loans, which rose from 32.26% to 50.01% of the book, while two-wheeler loans fell from 40.55% to 27.26%.
  • The company stayed profitable in FY25 with a net profit of Rs. 3.73 crore after a gross profit of Rs. 10.98 crore.

Risks

  • RBI supervisory restrictions imposed on 4 February 2020 are still in force, even though the show cause notice was withdrawn in 2024.
  • Total income fell to Rs. 104.70 crore in FY25 from Rs. 136.72 crore in FY24, and net profit dropped from the previous year.
  • The portfolio shrank to Rs. 460.41 crore from Rs. 517.29 crore, and total loans fell to Rs. 390.19 crore from Rs. 437.95 crore.
  • Non-performing assets stood at Rs. 37.12 crore, and the company says it is working to bring them below Rs. 20 crore.
  • Debt-equity ratio was 2.92 times, and the company funds itself mostly through debentures and subordinated debt that must be repaid or replaced each year.
  • The company repaid Rs. 14.79 Cr of NCDs and Rs. 92.68 Cr of subordinated debt in FY25 and says it must raise new borrowings to replace maturing funds.
  • Gold loans are half of the book, so a fall in gold prices or fraud in pledged gold would hit the company directly.
  • Unlisted shares trade off-market with indicative prices, so buying and selling can be slow and the price may differ from what you can actually get.
Financials

Maxvalue Credits and Investments financial performance

Revenue, profit and balance-sheet figures by fiscal year.

Revenue & PAT (₹ Cr)
Revenue PAT
Metric FY25Latest FY24
Revenue (₹ Cr) 98 125
PAT (₹ Cr) 3.73 10.41
PAT Margin (%) 3.79 8.33

Swipe the table sideways for earlier years →

Leadership

Management team

Manoj V. Raman
Chairman and Managing Director
NRI businessman who leads the group and holds directorships in several UAE companies.
Akhil B Vijay
Company Secretary
Qualified company secretary with an M.Com who worked at BRD Securities Limited in 2017-2018.
Salini Narayanan K
Chief Financial Officer
Chartered accountant with 8 years of experience in accounting, audit and taxation.
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FAQs

Maxvalue Credits and Investments 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.

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