Kiran Vyapar Ltd.

•

inbgroup.comBSE: 537750NSE: KIRANVYPAR

Market Cap₹ 554 Cr.

Current Price

High / Low₹ 219 / 148

Stock P/E51.6

Book Value₹ 454

Price to Book0.43

Dividend Yield0.49 %

ROCE4.4 %

ROE3.2 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Investment: 81.6% • Trading: 18.3% • Unallocated: 0.1%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 30.1% CAGR over last 5 years
Comfortable capital adequacy - CAR of 59.9%
Asset quality is healthy - gross NPA of just 0.0%
Solid return on assets for a lender - ROA of 2.6%
Company has a consistent dividend-paying track record

CONS

Company has a low return on capital employed of 5.2%
Company has a low return on equity of 4.1% over last 3 years
Operating margins have contracted to 77.2% from 88.9%
Thin net interest margin of 0.0%
Growth is decelerating - 3Y profit CAGR (-26.1%) trails the 5Y trend (30.1%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	8302.50	2457.29	20044.70	3172.82	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	KIRANVYPAR	203.20	80.34	554.42	0.49	19.45	-88.01	33.06	39.03	4.16	101.78

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	24	7	27	7	24	36	14	-2	18	17	14	13	26
	2	2	5	5	3	2	5	7	3	5	4	7	15
Operating Profit	22	5	22	2	22	34	10	-9	15	12	10	7	21
OPM %	90.96%	71.17%	82.04%	25.11%	89.59%	95.11%	70.81%	489.42%	80.89%	69.37%	70.82%	52.53%	82.01%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	3	2	2	1	2	3	4	6	6	7	8	8	11
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	19	2	20	0	20	31	6	-15	8	4	2	-2	10
Tax %	20.18%	-20.17%	24.35%	-1115.38%	16.38%	10.05%	59.74%	19.74%	-7.74%	70.92%	206.49%	286.36%	20.26%
Net Profit	15	3	15	2	17	28	2	-12	9	1	-2	3	8
	6	1	6	1	6	10	1	-4	3	0	-1	1	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	20	24	43	54	47	103	129	45	99	73	70
	9	11	11	29	27	13	14	12	14	17	32
Operating Profit	10	13	31	25	20	91	115	32	85	57	38
OPM %	53.03%	53.12%	73.35%	46.41%	43.26%	87.89%	88.87%	72.74%	85.45%	77.22%	54.57%
	0	1	1	0	0	7	0	0	0	0	0
Interest	1	3	2	1	3	2	4	6	8	14	35
Depreciation	1	1	1	0	0	0	0	0	0	0	0
Profit before Tax	8	10	29	23	17	96	111	26	77	43	15
Tax %	14.79%	18.65%	20.70%	39.61%	43.25%	15.44%	20.45%	10.86%	19.34%	16.73%	27.20%
Net Profit	7	8	23	14	10	81	88	23	62	36	11
EPS	0.00	0.00	0.00	0.00	0.00	29.70	32.25	8.61	22.69	13.02	—
Dividend Payout %	90.12%	80.27%	27.71%	48.44%	21.43%	5.05%	4.65%	11.62%	4.41%	7.68%	—

COMPOUNDED SALES GROWTH

10 Years:: 14%
5 Years:: 9%
3 Years:: -17%

COMPOUNDED PROFIT GROWTH

10 Years:: 14%
5 Years:: 30%
3 Years:: -26%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: 4%
5 Years:: 7%
3 Years:: 4%
Last Year:: 3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	26	26	26	27	27	27	27	27	27	27
	543	551	614	638	608	729	836	873	1,027	1,143
	27	25	25	20	16	29	35	128	69	291
	10	4	13	26	21	36	57	63	89	91
Total Liabilities	605	606	678	711	672	821	956	1,091	1,212	1,553
	3	2	2	1	1	1	0	0	0	0
	444	364	473	555	457	578	728	880	1,069	1,410
Cash & Bank	1	13	1	2	1	2	31	2	9	3
	158	227	203	154	214	241	197	209	135	140
Total Assets	605	606	678	711	672	821	956	1,091	1,212	1,553

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	66	-60	40	65	-43	-4	72	8	82	-10
Cash from Investing	-85	86	-40	-51	58	-1	-37	-123	-14	-215
Cash from Financing	16	-10	-8	-10	-11	11	2	89	-62	220
	-4	12	-12	1	-0	0	30	-29	6	-5

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	74.96	74.96	74.96	74.96	74.96	74.96	74.96	74.96	74.96
FIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	25.04	25.04	25.04	25.04	25.04	25.04	25.04	25.04	25.04

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

No announcements filed.

News

Recent coverage and analyst commentary for KIRANVYPAR

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AI Stock Analyst

Kiran Vyapar Ltd.

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Free 5nance Account

Name

BAJFINANCE

1034.20

31.71

643888.19

0.58

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1028.00

21.37

241893.03

1.05

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1845.00

27.40

157575.18

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

TATACAP

362.80

28.50

154003.85

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

230.00

73.49

151872.26

0.26

8302.50

2457.29

20044.70

3172.82

2.11

69.71

BAJAJHLDNG

11120.70

13.97

123766.17

1.75

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2794.40

9.86

112186.35

1.07

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

398.60

26.59

109118.68

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

309.50

24.37

77571.61

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

656.05

27.44

62432.55

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

668.65

25.53

55549.10

0.60

785.20

38.31

4937.90

18.71

9.09

57.98

KIRANVYPAR

203.20

80.34

554.42

0.49

19.45

-88.01

33.06

39.03

4.16

101.78

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

-2

Operating Profit

-9

OPM %

90.96%

71.17%

82.04%

25.11%

89.59%

95.11%

70.81%

489.42%

80.89%

69.37%

70.82%

52.53%

82.01%

Other Income

Interest

Depreciation

-15

-2

Tax %

20.18%

-20.17%

24.35%

-1115.38%

16.38%

10.05%

59.74%

19.74%

-7.74%

70.92%

206.49%

286.36%

20.26%

Net Profit

-12

-2

-4

-1

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

TTM

103

129

Operating Profit

115

OPM %

53.03%

53.12%

73.35%

46.41%

43.26%

87.89%

88.87%

72.74%

85.45%

77.22%

54.57%

Interest

Depreciation

Profit before Tax

111

Tax %

14.79%

18.65%

20.70%

39.61%

43.25%

15.44%

20.45%

10.86%

19.34%

16.73%

27.20%

Net Profit

EPS

0.00

29.70

32.25

8.61

22.69

13.02

—

Dividend Payout %

90.12%

80.27%

27.71%

48.44%

21.43%

5.05%

4.65%

11.62%

4.41%

7.68%

—

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Equity Capital

543

551

614

638

608

729

836

873

1,027

1,143

128

291

Total Liabilities

605

606

678

711

672

821

956

1,091

1,212

1,553

444

364

473

555

457

578

728

880

1,069

1,410

Cash & Bank

158

227

203

154

214

241

197

209

135

140

Total Assets

605

606

678

711

672

821

956

1,091

1,212

1,553

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

-60

-43

-4

-10

Cash from Investing

-85

-40

-51

-1

-37

-123

-14

-215

Cash from Financing

-10

-8

-10

-11

-62

220

-4

-12

-0

-29

-5

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

74.96

FIIs

0.00

DIIs

0.00

Government

0.00

25.04

Kiran Vyapar Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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Kiran Vyapar Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI