GEETANJ

Geetanjali Credit and Capital Ltd. is a Non-Banking Financial Company (NBFC) primarily engaged in financing, inter-corporate investments, and capital market activities. Registered as a public limited company, it operates with a focus on local markets, leveraging management’s knowledge to navigate the financial services sector. The company maintains a conservative operational approach, emphasizing efficiency in its core areas of investment and credit.

##### Key Points

* Key Facts: * Founded Year: 1990 (Incorporated on October 24, 1990). * Headquarters: Dharwad, Karnataka. * Corporate Office: Jodhpur, Rajasthan. * Stock Listing: Listed on the Bombay Stock Exchange (BSE) with Scrip Code 539486. * Key Management: Vitthal Kumar Jajoo (Managing Director), Ashok Kumar Mathur (Director), and Shivalingeshwar Basavaraj Shreshthi (CFO).

* Operations and Resources: * The company operates as a Non-Deposit taking Non-Banking Financial Company. * Its core operations involve deploying capital into inter-corporate deposits and participating in capital market-related activities. * Physical assets are minimal, with a net block of property, plant, and equipment valued at approximately ₹0.65 thousand (as of March 31, 2024), primarily consisting of furniture and fixtures.

* Market and Significance: * The company serves the financial services industry, specifically focusing on micro-level credit requirements and strategic investments. * It identifies growth opportunities in the NBFC sector driven by lower credit penetration and capital formation requirements in India.

* Business Model and Strengths: * Business Model: Geetanjali Credit and Capital Ltd. functions by utilizing its equity base to provide financial assistance and make strategic investments. * Competencies: The company emphasizes superior knowledge of local markets and proactive management as its primary strengths.

* Financial Performance and Revenue Breakdown: * Revenue from Operations: For the fiscal year ended March 31, 2025, the company reported ₹0.00 lakhs in revenue from operations, compared to ₹0.86 lakhs in the previous year (FY 2023-24). * Profit/Loss: The company reported a net loss of ₹3.44 lakhs for FY 2024-25, shifting from a marginal profit of ₹0.08 lakhs in FY 2023-24. * Expense Structure: Total expenses for FY 2024-25 stood at ₹3.44 lakhs, with employee benefit expenses accounting for ₹1.62 lakhs and other expenses totaling ₹1.82 lakhs. * Asset Composition: Significant assets include non-current investments in "Diamond/Jewellery" valued at ₹65.00 lakhs and unsecured loans/advances considered doubtful amounting to ₹256.27 lakhs as of March 31, 2024.

* Segmental and Geographical Performance: * The company operates as a single-segment entity within India, focusing entirely on the financial services sector. Consequently, there is no further breakdown by business segment or geography.

* Employee Information: * As of March 2025, the company maintains a lean organizational structure. Total employee benefit expenses increased to ₹1.62 lakhs in FY 2024-25 from ₹0.72 lakhs in FY 2023-24.

* Strategic Initiatives and Outlook: * Current Focus: Management is prioritizing the maintenance of a quality credit book amidst a challenging macroeconomic environment characterized by high interest rates and volatile stock markets. * Future Outlook: The long-term strategy involves building a stronger distribution network and enhancing internal systems and processes to capitalize on the positive outlook for the NBFC sector.

##### References 1. [Annual Report May 2025](https://trendlyne.com/get-document/document/pdf/1947839/) 2. [Annual Report May 2024](https://trendlyne.com/get-document/document/pdf/1604339/) 3. [Quarterly Results Nov 2025](https://trendlyne.com/get-document/document/pdf/2001676/) 4. [Quarterly Results Feb 2026](https://trendlyne.com/get-document/document/pdf/2076441/)