Indo Credit Capital Limited Reports Turnaround with ₹2.16 Lakhs Profit in Q3FY26
Indo Credit Capital Limited reported a net profit of ₹2.16 lakhs in Q3FY26, marking a turnaround from the ₹3.83 lakhs loss in Q3FY25. The company generated ₹6.30 lakhs in total income entirely from other income sources, while managing expenses at ₹4.14 lakhs. For the nine-month period, the company significantly reduced its net loss to ₹2.52 lakhs from ₹14.02 lakhs in the corresponding period of FY25, demonstrating improved operational performance.
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Indo Credit Capital Limited has demonstrated a significant operational turnaround in its third quarter performance for FY26, reporting a net profit of ₹2.16 lakhs compared to a loss of ₹3.83 lakhs in the same quarter of the previous fiscal year. The company's Board of Directors approved these unaudited financial results for the quarter ended December 31, 2025, during their meeting held on February 5, 2026.
Quarterly Performance Analysis
The company's Q3FY26 results show marked improvement across key financial metrics. Total income from operations reached ₹6.30 lakhs, generated entirely through other income, as the company reported no net sales or income from core operations during the quarter.
| Financial Metric | Q3FY26 | Q3FY25 | Change |
|---|---|---|---|
| Total Income | ₹6.30 lakhs | - | New income stream |
| Total Expenses | ₹4.14 lakhs | ₹3.83 lakhs | +8.09% |
| Net Profit/(Loss) | ₹2.16 lakhs | (₹3.83 lakhs) | Turnaround |
| Basic EPS | ₹0.03 | (₹0.05) | Positive |
Expense Management and Cost Structure
The company maintained disciplined cost management with total expenses of ₹4.14 lakhs in Q3FY26. Employee benefit expenses constituted the major cost component at ₹3.63 lakhs, showing an increase from ₹2.95 lakhs in Q3FY25. Other expenses were significantly reduced to ₹0.51 lakhs from ₹0.88 lakhs in the corresponding quarter of the previous year.
Nine-Month Performance Overview
For the nine-month period ended December 31, 2025, Indo Credit Capital Limited reported a net loss of ₹2.52 lakhs, representing a substantial improvement from the ₹14.02 lakhs loss recorded in the corresponding period of FY25. Total income for the nine-month period reached ₹15.05 lakhs, while total expenses were ₹17.57 lakhs.
| Nine-Month Metrics | FY26 | FY25 | Improvement |
|---|---|---|---|
| Total Income | ₹15.05 lakhs | ₹0.44 lakhs | Significant increase |
| Net Loss | ₹2.52 lakhs | ₹14.02 lakhs | 82.02% reduction |
| Basic EPS | (₹0.03) | (₹0.19) | Improved |
Corporate Governance and Compliance
The financial results were reviewed by the audit committee and approved by the Board of Directors. The statutory auditors, Naimish N. Shah & Co., conducted a limited review of the financial results and provided their report without any adverse observations. The company operates in the Non-Banking Financial Institution (NBFI) segment as its primary business activity.
Financial Position and Capital Structure
Indo Credit Capital Limited maintains a stable capital structure with paid-up equity share capital of ₹723.08 lakhs, consisting of shares with a face value of ₹10 each. The company reported no tax expenses during the quarter, and there were no exceptional or extraordinary items affecting the results. The earnings per share improved to ₹0.03 for Q3FY26 from negative ₹0.05 in Q3FY25.
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