USHAFIN (USHAFIN) fundamentals
USHAFIN is a listed company, part of the NBFC sector, listed on the NSE as USHAFIN (ISIN INE0LS001014). This page carries its reported financials, balance sheet, cash flow, shareholding pattern and valuation ratios.
What USHAFIN does
Usha Financial Services Limited is an India-based non-banking finance company (NBFC). The Company provides lending solutions to fellow NBFCs and corporates; micro, small, and medium enterprises (MSMEs), and individual, particularly to women entrepreneurs. Its services also extend to electric vehicle (EV) financing. Its business model includes retail lending and wholesale lending. Its retail lending business model includes green finance lending, and MSMEs including shopkeepers and individual. Under the green finance lending, it provides financial support for initiatives that promote environmental sustainability, such as EV and E-battery financing. This lending is facilitated through authorized dealers who distribute and support these EV and E- Battery. Under the wholesale lending business model, the Company offers financing solutions to fellow NBFCs for further lending to individual consumers or businesses and other body corporates for their working capital requirement.
Valuation and market data
| Last close | ₹50.00 |
|---|---|
| Market capitalisation | ₹217 crore |
| Enterprise value | ₹389 crore |
| P/E (TTM) | 9.67 |
| Price to book | 0.95 |
| Price to sales (TTM) | 2.93 |
| Book value per share | ₹52.87 |
| Dividend yield | 0.00% |
| Sector | NBFC |
| Industry | — |
Annual results
| Period | Revenue | Profit before tax | Net profit | EPS |
|---|---|---|---|---|
| Mar 2026 | ₹71 crore | ₹31 crore | ₹22 crore | 5.17 |
| Mar 2025 | ₹61 crore | ₹18 crore | ₹13 crore | 3.33 |
| Mar 2024 | ₹64 crore | ₹17 crore | ₹13 crore | 8.21 |
| Mar 2023 | ₹46 crore | ₹14 crore | ₹10 crore | 7.42 |
| Mar 2022 | ₹25 crore | ₹5 crore | ₹4 crore | 3.51 |
Figures are as reported (standalone), in ₹ crore.
Shareholding pattern
As of Jun 2026:
| Promoters | 75.0% |
|---|---|
| Foreign institutions (FII) | 2.0% |
| Mutual funds | 0.0% |
| Other domestic institutions | 0.6% |
| Retail and others | 22.5% |
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Data is sourced from exchange filings and vendor feeds and is for research, not investment advice. Figures can be restated by the company after publication.