Scintilla Commercial & Credit

What Scintilla Commercial & Credit does

Scintilla Commercial & Credit Limited is a Kolkata-based, RBI-registered Non-Banking Financial Company (NBFC) operating with 1-10 employees from a single city footprint. Incorporated in 1990 as a private limited company, it converted to public limited status in 1996 and obtained its NBFC registration (Certificate No. 05.02226) in May 1998. It is listed on BSE Limited and The Calcutta Stock Exchange Limited. The company also maintains four wholly-owned subsidiaries (Mericogold Trading Limited, Jaimatarani Merchants Limited, Mericogold, and Janhit), all engaged in trading shares and securities.

Name

Scintilla Commercial & Credit

Legal name

Scintilla Commercial & Credit Limited

Website

https://scintilla.co.in

Company type

Public

Founded year

1990

Operating status

Operating

Headcount range

1–10 employees

Short description

Scintilla Commercial & Credit Limited is a Kolkata-based, RBI-registered NBFC that provides loans and advances to small businesses, individuals, and corporates, and trades in shares and securities, operating with 1-10 employees from a single domestic footprint.

Ownership category

akta.pro rank

Product category

Non-Banking Financial Services (NBFC Lending & Investment)

NAICS

Credit Intermediation and Related Activities (522)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

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

Keywords

• Non-banking financial services
• Loans and advances
• Securities trading
• Business cash advances
• Share offerings

Headquarters

HQ city

Kolkata

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Others

Revenue model

1. Lending/Loans and Advances: Providing loans and advances to corporates and individuals. The company provides financing solutions for small businesses through business cash advances. Revenue generated through interest income on loans.
2. Investment in Shares and Securities: Engaged in buying, selling and transfer of shares and securities of various companies in the capital markets. Revenue generated through capital gains and investment returns.
3. Share Offerings: The company offers shares to individuals and corporate entities, generating proceeds from equity issuance.

Distribution channels3 records

Marketing channels3 records

Core offering

Scintilla Commercial & Credit Limited operates as a Non-Banking Financial Company (NBFC) providing loans and advances to corporates, small businesses, and individuals (including business cash advances), engaged in buying, selling and transferring shares and securities in capital markets, and offering its own shares to individuals and corporate entities. Revenue is generated through interest income on lending, capital gains on securities investments, and proceeds from share offerings.

Product overview

Scintilla Commercial & Credit Limited operates as a Non-Banking Financial Company (NBFC) providing three core financial services: (1) Loans and Financing - offering business cash advances and financing solutions to corporates and individuals; (2) Investment and Trading in Shares and Securities - buying, selling, and transferring shares and securities in capital markets; and (3) Share Offering Services - offering shares to individuals and corporate entities. The company is listed on The Calcutta Stock Exchange Limited and BSE Limited, and is registered with the Reserve Bank of India.

Differentiator

Problem solved

Functional benefit

Products and services

• Loans and Financing
• Investment and Trading in Shares and Securities
• Share Offering Services

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves6 records

Expansion highlights2 records

Broad incumbents

• Bajaj Finance: India's largest NBFC offering consumer and SME loans, asset finance, and lending products across the country. Directly comparable business model (NBFC providing loans and advances) but vastly larger scale and broader product portfolio than Scintilla.
• Cholamandalam Investment and Finance Company: Major Indian NBFC providing vehicle finance, home loans, SME lending, and investment products. Same RBI-registered NBFC structure and lending/investment dual model as Scintilla, but at significantly larger scale.
• Shriram Finance: Large diversified Indian NBFC focused on commercial vehicle finance, two-wheeler loans, gold loans, and small enterprise lending. Comparable NBFC regulatory status and small-business / individual lending focus as Scintilla, but operates at national scale.
• L&T Finance Holdings: Diversified Indian NBFC offering farm equipment finance, commercial vehicle finance, two-wheeler loans, and SME loans. Comparable NBFC lending and investment model, though operating at much larger scale across India.
• IIFL Finance: Indian NBFC offering gold loans, home loans, business loans, and capital market financing. Comparable RBI-registered NBFC structure and diversified lending/investment model similar to Scintilla's three-stream approach.
• Manappuram Finance: Diversified Indian NBFC with gold loans, microfinance, vehicle finance, and home loans. Comparable NBFC model providing loans and advances to individuals and small businesses, similar to Scintilla's core business.
• Muthoot Finance: Leading Indian NBFC primarily engaged in gold loans and microfinance. Same RBI-registered NBFC structure and individual/small-business credit orientation as Scintilla, though focused on secured lending against gold.

Direct peers

• Five-Star Business Finance: Indian NBFC providing secured business loans to small and medium enterprises. Comparable focus on SME business lending as one of Scintilla's stated customer segments, and similar NBFC regulatory structure.
• Spandana Sphoorty Financial: Mid-sized Indian NBFC focused on microfinance and small business lending to underserved segments. Closely comparable in being an RBI-registered NBFC providing loans to small businesses and individuals, though more specialized in microfinance.
• Mas Financial Services: Mid-sized Indian NBFC providing MSME loans, two-wheeler finance, and micro-enterprise loans. Closely comparable in being a relatively focused NBFC targeting small businesses and underserved borrowers, similar regulatory structure as Scintilla.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries4 records

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 Scintilla Commercial & Credit