Standard Capital Markets

What Standard Capital Markets does

Standard Capital Markets Limited is a publicly listed, RBI-registered Non-Banking Financial Company (NBFC) headquartered in New Delhi, India, incorporated in 1987 and listed on the Bombay Stock Exchange since 1995. It delivers structured financial solutions across five product lines: Personal Credit (flexible revolving personal loan facility), Business Loan branded as Smart Credit Line (revolving working capital for SMEs with interest only on drawn amounts), Education Loans for higher studies, Financial Assets & Restructuring (acquisition of stressed and non-performing assets from banks and NBFCs via NCLT auctions with active resolution), and Loan Syndication Services coordinating multi-lender facilities for corporate borrowers.

The company operates a direct-to-consumer, digital-first distribution model through its website (stancap.co.in) with face-to-face services at its New Delhi corporate office for institutional transactions. It serves a horizontally diversified customer base spanning individual borrowers, SMEs, students, corporate/institutional clients, and banks/financial institutions. Revenue is generated through three streams: recurring interest income on drawn loan balances, transaction-based returns from distressed asset acquisition and restructuring, and professional services fees from loan syndication arrangements. The company is in active expansion mode, having incorporated three wholly owned subsidiaries in 2025 — Standard Capital Advisors Limited (capital advisory), Standard Insurance Broking Limited (insurance distribution), and Standard ARC Limited (Asset Reconstruction Company) — alongside its existing wholly owned subsidiary KRV Brooms Private Limited acquired in 2024.

Name

Standard Capital Markets

Legal name

Standard Capital Markets Limited

Website

https://stancap.co.in

Company type

Public

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

Standard Capital Markets Limited is an RBI-registered Indian NBFC offering personal loans, business credit, education loans, financial asset restructuring, and loan syndication to individuals, SMEs, students, corporates, and banks.

Ownership category

akta.pro rank

Product category

Non-Banking Financial Services (NBFC Lending)

NAICS

Credit Intermediation and Related Activities (522), Commercial Banking (522110)

SIC

Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro industry

PRIMARYFSAHAJAF

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms)

Financial & Insurance/Hedge Funds & Alternative Investments/Alternative Investments — Private Credit & Direct Lending

SECONDARYFSANADAE

Specialty Finance / Structured Credit

Financial & Insurance/Private Equity & Venture Capital/Private Credit / Direct Lending Funds

SECONDARYFSAAAHAG

Private Credit / Direct Lending

Financial & Insurance/Asset & Wealth Management/Asset Management — Fixed Income & Credit

SECONDARYBPAHADAB

Corporate Finance & Capital Advisory

Business & Public Services/Professional Services (Legal, Accounting, Consulting)/Strategy & Corporate Finance Advisory

Keywords

• Non-banking financial services
• Personal loan services
• Business loan services
• Loan syndication services
• Asset restructuring

Headquarters

HQ city

New Delhi

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income from Lending: As an NBFC, Standard Capital Markets generates primary revenue through interest charged on various loan products including personal loans, business loans (Smart Credit Line), and education loans. Interest accrues on amounts drawn/utilized by borrowers.
2. Financial Assets & Restructuring: Revenue generated through acquisition of stressed and non-performing financial assets at negotiated discounts, with value creation through recovery, restructuring, settlement, or strategic exit.
3. Loan Syndication Fees: Fees earned from arranging and coordinating multi-lender loan facilities for corporate and institutional borrowers seeking large-scale financing.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Standard Capital Markets Limited is an RBI-registered Non-Banking Financial Company (NBFC) that provides personal credit (revolving personal loan), business credit through its Smart Credit Line facility, education loans for higher studies, Financial Assets & Restructuring services (acquisition of stressed and non-performing financial assets from banks and NBFCs through NCLT auctions), and loan syndication services that coordinate multiple lenders for large-scale financing. Products are delivered to individual borrowers, SMEs, students, and corporate/institutional clients across India primarily through its digital platform and corporate office in New Delhi.

Product overview

Standard Capital Markets Limited operates as a diversified NBFC offering a portfolio of five core financial products: Personal Credit (flexible personal loan facility), Smart Credit Line (revolving business credit), Education Loans, Financial Assets & Restructuring (distressed asset investment), and Loan Syndication Services. The company functions as a traditional financial services provider without a unified platform architecture—each product operates independently through its dedicated product page, serving individuals, SMEs, and institutional borrowers with structured lending and asset resolution solutions.

Differentiator

Problem solved

Functional benefit

Brands

• Smart Credit Line: A revolving credit solution for businesses offering flexible drawdowns, cost-efficient borrowing with interest only on drawn amounts, customized repayment flexibility, and versatile end-use for working capital, inventory, operational expenses, or strategic expansion.

Products and services

• Personal Loan (Personal Credit) A flexible personal revolving credit facility that provides a pre-approved credit limit allowing multiple withdrawals, flexible repayments, and reuse without reapplication. Interest is charged only on the amount utilized. Targeted at individual borrowers for medical expenses, education and skill development, travel, home improvements, and short-term cash gaps.
• Business Loan (Smart Credit Line) A revolving business credit solution offering flexible drawdowns, customized repayment schedules, and interest accrual solely on drawn amounts. Designed for SMEs, manufacturers, traders, and service providers with cyclical or variable working capital needs and strategic expansion use cases.
• Education Loan Structured financing for higher education covering tuition and related expenses with flexible repayment options aligned to academic timelines and future earning potential. Targeted at students pursuing undergraduate, postgraduate, and professional/technical courses at recognized institutions in India and abroad.
• Financial Assets & Restructuring (FAR) Strategic investment and value creation offering acquiring stressed and non-performing financial assets from banks, financial institutions, and NBFCs through NCLT auctions, with active resolution through recovery, restructuring, settlement, or strategic exit. Backed by wholly owned subsidiary Standard ARC Limited (Asset Reconstruction Company).
• Loans Syndication Services Coordinated loan arrangement services bringing together multiple lenders (banks, NBFCs, financial institutions) to deliver structured funding solutions for term loans, working capital, project finance, and debt restructuring of large-scale financing requirements for mid-market enterprises, real estate and manufacturing companies, and institutional borrowers.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• KRV Brooms Private LimitedcoreOthers · 31 March 2024Standard Capital Markets acquired 100% stake in KRV Brooms Private Limited for ₹1,00,000 (10,000 shares), making it a wholly owned subsidiary. KRV Brooms had FY2023 turnover of ₹90,74,496.

Scale indicators7 records

Recent moves10 records

Expansion highlights6 records

Broad incumbents

• Bajaj Finance: India's largest diversified NBFC offering consumer, SME, and commercial lending alongside loan-against-securities. Comparable to SCML across product categories but at vastly greater scale and with a deeper digital and branch distribution footprint.
• Muthoot Finance: Leading Indian NBFC with a gold-loan-anchored book and expanding personal/SME lending. Comparable as a publicly listed RBI-registered NBFC serving retail borrowers across India.
• Cholamandalam Investment and Finance: Murugappa Group NBFC with a strong vehicle finance, SME, and home-equity loan book. Comparable to SCML as a listed Indian NBFC providing consumer and SME credit.
• Shriram Finance: Large Indian NBFC focused on commercial-vehicle, two-wheeler, and small-business loans, plus chit-fund and insurance distribution. Comparable on consumer/SME credit lines and on the diversified-subsidiary structure SCML is building.
• Mahindra & Mahindra Financial Services: NBFC specialising in rural and semi-urban lending, including SME and consumer finance. Comparable to SCML in personal and SME loan products and in listed-NBFC regulatory positioning.

Direct peers

• Manappuram Finance: Indian NBFC with gold loans as the core plus growing personal, SME and microfinance businesses. Comparable to SCML as a mid-sized listed NBFC pursuing diversification beyond a single product line.
• IIFL Finance: Diversified Indian NBFC offering gold, home, business, and personal loans plus capital advisory and asset management subsidiaries. Closely comparable to SCML's multi-product NBFC + advisory model.
• Five-Star Business Finance: Listed Indian NBFC focused on small-business loans to micro-entrepreneurs and SMEs. Comparable to SCML on the SME working-capital lending product (Smart Credit Line).
• Edelweiss Financial Services: Diversified Indian financial services group with NBFC, asset reconstruction (EARC), credit, and advisory businesses. Comparable to SCML on the integrated NBFC + ARC + advisory structure it is building.

Emerging players

• ARCIL (Asset Reconstruction Company (India) Limited): One of India's leading asset reconstruction companies acquiring stressed assets from banks and FIs. Comparable to SCML's Financial Assets & Restructuring product and the newly incorporated Standard ARC Limited subsidiary.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/standardcapitalmarkets

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries4 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Standard Capital Markets