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₹231

▲ +0.99 +0.43%

31 Jul 2026

BSE Listed

ENCUMBRANCE
What does ENCUMBRANCE mean?
BSE · High Promoter / Non-promoter EncumbranceA large share of the stock is pledged as loan collateral. Practical meaning: a falling price can trigger lenders to invoke pledges and dump shares — a self-reinforcing crash risk — and promoter pledging signals owner-level balance-sheet stress beyond the company's own books.Criteria: High level of encumbered (pledged) shares held by promoter and non-promoter entities, flagged under SEBI (Substantial Acquisition of Shares & Takeovers) Regulation 28(3).

India Finsec Ltd. (535667)

Volume: 406Avg Vol 1W: 193Avg Vol 1M: 41952W Range:₹138.95₹284.95
BSE www.indiafinsec.com
Key Ratios
Checked just now
Market Cap₹674 Cr
Current Price₹231
Previous Close₹230.01
High / Low (52w)₹284.95 / ₹138.95
Volume406
Avg Vol (1W)193
Avg Vol (1M)419
Stock P/E43.83
Book Value₹26.95
Dividend Yield0%
ROE19.55%
ROA27.51%
Revenue (TTM)—
Revenue Growth—
Profit Margin18.25%
Total Debt—
Shares Outstanding3 Cr
Face Value—
EPS (TTM)₹5.27
P/B8.57
Debt / Equity2.13
50 DMA₹211.05
200 DMA₹186.25
Day change+0.43%
SurveillanceENCUMBRANCE
Price Chart
₹231▲ 55.35% · 1Y
₹245₹14596K
2025-07-31
2026-07-31

20-day avg volume: 457 shares

Pros
  • Healthy return on equity of 19.6%.
  • Company is almost debt-free.
Cons
  • Company is loss-making at the latest annual result.
Quarterly Results
MetricSept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Revenue————————
EBITDA————————
Net Profit₹3 Cr₹2 Cr₹3 Cr₹4 Cr₹4 Cr₹4 Cr₹4 Cr₹5 Cr
EPS————————
Profit & Loss (Annual)
MetricDec 2024Mar 2025Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Revenue—₹72 Cr——————
EBITDA—₹24 Cr——————
Net Profit₹0 Cr₹12 Cr₹0 Cr₹0 Cr₹0 Cr₹0 Cr₹0 Cr₹0 Cr
EPS—7.12——————
Balance Sheet
MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Total Assets₹47 Cr₹93 Cr₹98 Cr₹123 Cr₹180 Cr₹279 Cr₹304 Cr₹363 Cr
Total Liabilities₹0 Cr₹40 Cr₹38 Cr₹53 Cr₹95 Cr₹182 Cr₹194 Cr₹202 Cr
Equity₹46 Cr₹53 Cr₹60 Cr₹70 Cr₹85 Cr₹97 Cr₹109 Cr₹161 Cr
Total Debt————————
Cash Flow
MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Operating₹0 Cr₹-40 Cr₹-1 Cr₹-3 Cr₹-40 Cr₹-89 Cr₹-11 Cr₹-23 Cr
Investing₹0 Cr₹-3 Cr₹-1 Cr₹-8 Cr₹-1 Cr₹1 Cr₹0 Cr₹3 Cr
Financing₹1 Cr₹43 Cr₹-2 Cr₹14 Cr₹40 Cr₹92 Cr₹13 Cr₹35 Cr
Free Cash Flow₹0 Cr₹-40 Cr₹-1 Cr₹-3 Cr₹-40 Cr₹-89 Cr₹-11 Cr₹-23 Cr
Shareholding
Promoter 55.98% Institutions 0% Public 44.02%
Efficiency & Working Capital
ROCE79.6%
Interest Coverage1.9
Dividend Payout—
Debtor Days0 d
Inventory Days0 d
Payable Days0 d
Cash Conversion Cycle0 d
Working Capital Days0 d
Shareholding Details

As of 2026-06-30

Promoter56%
FII0%
DII0%
Institutions0%
Public44%
Promoter Pledge84.2%
No. of Shareholders824
Shareholding Pattern

Quarterly — figures in %. Latest 12 quarters.

PeriodDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Feb 2025Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Promoters60.5%60.5%60.5%60.5%60.5%55.9%55.9%55.9%55.9%55.9%56%56%
FIIs0%0%0%0%0%0%0%0%0%0%0%0%
DIIs0%0%0%0%0%0%0%0%0%0%0%0%
Public39.5%39.5%39.5%39.5%39.5%44.1%44.1%44.1%44.1%44.1%44%44%
Promoter Pledge30.1%0%40.5%40.5%66.1%63.2%71.2%71.2%71.2%71.2%71.1%84.2%
No. of Shareholders812774827857893892887864842835827824
Returns History (ROE / ROCE / ROA)
PeriodROEROCEROAP/E
202503————
Major Shareholders (>1%)
NameCategoryStakeShares
GopalShareholding of Promoter and Promoter Group15.5%45,37,050
Gopal BansalShareholding of Promoter and Promoter Group13.9%40,44,141
Ganga Devi BansalShareholding of Promoter and Promoter Group7.2%21,13,000
Escorp Asset Management LimitedPublic Shareholding6.9%20,00,000
Radhey KishanPublic Shareholding5.2%15,06,217
Precious Tradeways Private LimitedPublic Shareholding5%14,72,161
Sunita BansalShareholding of Promoter and Promoter Group4.4%12,95,530
Mukesh SharmaShareholding of Promoter and Promoter Group4.4%12,92,540
Bhupesh Kumar JindalPublic Shareholding4%11,79,513
Charu GoyalPublic Shareholding3.9%11,24,591
Daisy Distributors Private LimitedShareholding of Promoter and Promoter Group3.5%10,18,275
Manoj SharmaShareholding of Promoter and Promoter Group2.6%7,60,665
Usha SharmaPublic Shareholding2.4%7,13,509
Kailash Chand JangidPublic Shareholding2.4%7,06,371
Overskud Multi Asset Management Private LimitedPublic Shareholding2.1%6,25,000
Nidhi BansalShareholding of Promoter and Promoter Group1.8%5,10,861
Jai Ambe Tradexim Private LimitedPublic Shareholding1.4%4,01,279
Gopal Bansal HufShareholding of Promoter and Promoter Group1.4%3,95,000
Arvind Kumar BansalShareholding of Promoter and Promoter Group1.3%3,75,000
Alka MittalPublic Shareholding1.2%3,60,000
Promoter Pledges
HolderPledged Shares% of HoldingAs of
Gopal Bansal40,15,74199.3%2026-06-30
Ganga Devi Bansal17,38,00082.3%2026-06-30
Sunita Bansal12,95,530100%2026-06-30
Manoj Sharma7,60,665100%2026-06-30
Gopal Bansal Huf3,95,000100%2026-06-30
Gopal45,37,050100%2026-06-30
Daisy Distributors Private Limited10,11,01299.3%2026-06-30
Board of Directors
NameDesignationYear
Gopal BansalChairman / Executive Director / Managing Director2025
Mukesh SharmaNon Executive Director2025
Purva MangalIndependent Non Exe. Director2025
Devi Dass AgarwalIndependent Non Exe. Director2025
Prachi BansalCompany Sec. & Compli. Officer2025
Segments — Product
SegmentRevenueShare
Loan Financing₹4 Cr71.8%
Trading in Share and Securities₹2 Cr28.2%
Capital Structure (₹ Cr)
YearFace ValueAuthorisedIssuedPaid-up
2025₹10302929
Corporate Actions
TypeDateValueRemark
forthcoming2026-07-30Board Meetings—
Related-Party Transactions (₹ Cr)
YearSubsidiariesAssociatesJVKMPOthersTotal
20254,13900204,144
20254,13900204,144
2025000000
Insider / Designated-Person Trades

1 recent disclosure(s)

Nidhi BansalAcquisition · 10,861
Substantial Acquisitions (SAST)

5 disclosure(s)

Off Market15/04/2024 · 8,25,950
Merger23/02/2024 · 4,58,305
Market08/09/2023 · 12,07,000
Market08/09/2023 · 12,07,000
Market10/08/2022 · 7,58,728
Company Information
Incorporated1994
ChairmanGopal Bansal
AuditorAjay Rattan & Co
Investor Email[email protected]; [email protected]
🌐 www.indiafinsec.com ↗

📍 D-16 1 Flr Above ICICI Bank, Prashant Vihar Sector14 Rohini, New Delhi, New Delhi, 110085

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