SMC Credits

What SMC Credits does

SMC Credits Limited is a publicly listed Indian Non-Banking Financial Company (NBFC), incorporated in 1992 under the Companies Act, 1956, and registered with the Reserve Bank of India to conduct non-banking financial activities. The company explicitly does not accept public deposits, which places it in the category of deposit-accepting-prohibited NBFCs and constrains its funding base to non-deposit sources such as own funds, borrowings, and capital markets.

The company operates from a single headquarters at 24 Ashoka Chambers, 5-B Rajendra Place, Pusa Road, New Delhi-110060, with a headcount of 11-50 employees. Its investor-relations function — annual reports, AGM notices, scrutinizer reports, shareholding patterns, and quarterly financial results — is the most evident operational artifact, with filings consistently published for FY 2015-16 through FY 2024-25 and accessible via its corporate website (smccredits.com). No specific named products, lending verticals, customer segments, technology platforms, mobile applications, or partnerships are disclosed in the available data, and there is no digital distribution channel mentioned.

Its business model is therefore best characterized as a small-capital, single-office, RBI-regulated NBFC entity focused on statutory compliance and shareholder reporting rather than disclosed product origination, with revenue mechanics left unspecified. As a BSE-listed entity (bom:532138), it maintains public-company governance and SEBI-aligned disclosures but operates with a minimal disclosed operational footprint and no clearly defined product surface.

Name

SMC Credits

Legal name

SMC Credits Limited

Website

https://smccredits.com

Company type

Public

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

SMC Credits Limited is a publicly listed, RBI-registered Indian Non-Banking Financial Company incorporated in 1992, operating from a single New Delhi office and engaged in non-banking financial activities without accepting public deposits. It serves retail and institutional borrowers and investors through direct office-based engagement.

Ownership category

akta.pro rank

Product category

Non-Banking Financial Services

NAICS

Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro industry

PRIMARYFSABABAB

SME Business Lending (Term Loans, Lines of Credit, Overdrafts)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSABABAF

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

Keywords

• Non-banking financial services
• NBFC lending operations
• Financial services company
• Investment products
• RBI registered NBFC

Headquarters

HQ city

New Delhi

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Others

Revenue model

1. Financial Services Operations: As an NBFC registered with RBI, SMC Credits generates revenue through non-banking financial activities including lending operations and financial services. The company is not accepting public deposits.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

SMC Credits Limited is a Non-Banking Financial Company (NBFC) engaged in non-banking financial activities, duly registered with the Reserve Bank of India. The company provides financial services including lending operations and investment products to retail and institutional customers, while explicitly not accepting public deposits. It operates from its New Delhi headquarters as a publicly listed entity serving customers seeking non-banking financial services outside the traditional banking framework.

Product overview

SMC Credits Limited is a Non-banking Financial Company (NBFC) engaged in financial services activities, duly registered with the Reserve Bank of India. The company is not accepting public deposits. SMC Credits operates primarily as a publicly listed company maintaining investor relations through its website portal, providing access to annual reports, financial results, shareholding patterns, AGM notices, and corporate governance policies. The company does not appear to offer distinct named product offerings, sub-products, or modules based on the available source data.

Differentiator

Problem solved

Functional benefit

Products and services

• Non-Banking Financial Services SMC Credits provides non-banking financial services including lending operations and investment products, registered with the Reserve Bank of India as an NBFC. The company serves retail and institutional customers seeking financial services outside the traditional banking framework and does not accept public deposits.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves2 records

Broad incumbents

• Manappuram Finance Limited: Indian NBFC specializing in gold loans, microfinance, and vehicle finance with extensive branch network. Comparable as a publicly listed NBFC with diversified credit products serving retail customers.
• Muthoot Finance Limited: Leading gold-loan NBFC in India with thousands of branches nationwide. Comparable as a publicly listed Indian NBFC with a long operating history, though far larger and more geographically distributed than SMC Credits.
• M&M Financial Services Limited: Indian NBFC providing tractor and auto financing to rural and semi-urban customers. Comparable as a publicly listed NBFC focused on retail and small-business lending with similar regulatory framework.
• Shriram Finance Limited: Large Indian NBFC focused on commercial vehicle finance, personal loans, and SME lending, with deep branch network across India. Comparable as a category peer offering similar lending services to retail and small-business customers.
• Bajaj Finance Limited: India's largest retail-focused NBFC offering consumer durable, personal, business, and SME loans across thousands of branches. Compares to SMC Credits as a same-category (NBFC) operator, but vastly larger and more diversified.
• LIC Housing Finance Limited: Large Indian housing finance NBFC offering home loans and project finance. Comparable as a publicly listed RBI-regulated NBFC, though focused on mortgage lending rather than the broader NBFC mandate.
• Cholamandalam Investment and Finance Company Limited: Major Indian NBFC focused on vehicle finance, home loans, and SME lending. Comparable as a listed diversified NBFC serving retail and small-business borrowers, though much larger and more digitized than SMC Credits.

Emerging players

• DMI Finance Private Limited: New-age Indian NBFC offering digital lending, supply-chain finance, and consumer credit through fintech partnerships. Comparable as a non-deposit-taking NBFC, but with a digital-first model contrasting with SMC Credits' traditional single-office approach.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/smc-credits-limited.

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about SMC Credits