Maxvalue Credits and Investments Ltd
Thrissur-based NBFC with tens of thousands of retail shareholders, a gold-loan and small-business book, and a share price stuck below par after years of weak profits.
Market cap
₹59.25 Cr
15.00 Cr shares
P/E ratio
56.43
Sector average 15
Book value
₹9.12
P/B 0.43
1-year return
+2.07%
52w ₹4 – ₹5
Currently 30% of the way through its 52-week range.
Indicative price history
1Y change
+0.77% ₹4 → ₹4
52-week band in this window: ₹3.66 – ₹3.96. Weekly indicative marks, not exchange-traded prices.
Key highlights
- Thrissur NBFC with gold, business and vehicle loans and a very wide retail shareholder base.
- Revenue about ₹60 Cr with marginal profitability (approximate); net worth near paid-up capital.
- Quoted at ₹3.95 against a ₹10 face value.
About Maxvalue
Maxvalue Credits and Investments Ltd is a Kerala NBFC headquartered in Thrissur that offers gold loans, small-business and personal loans, and vehicle finance through a network of branches across Kerala and Tamil Nadu. It grew in the 2000s and 2010s by raising equity in small lots from tens of thousands of retail investors in central Kerala, which gives it one of the widest shareholder bases among unlisted NBFCs and a steady trickle of sellers in the unlisted market.
Profitability has been weak: the company has posted small profits or losses in most recent years as funding costs, branch overheads and slippages in the unsecured book weighed on a loan portfolio of a few hundred crore. Net worth is largely paid-up capital, so book value is close to face value, and the stock quotes at ₹3.95 against a ₹10 face value – a discount that reflects the low return on equity and the absence of any listing or buyback prospect.
Figures, dates and board names here are approximate and were not re-verified against RBI or MCA filings at the time of writing.
This profile was compiled from public information already known to the research desk; live registry and dealer pages could not be re-checked at the time of writing, so identifiers that could not be confirmed are left blank and dates of appointment are indicative. Line items are reconstructed around reported totals; treat them as approximate.
Where the revenue comes from
- Gold loans55%
Secured loans against gold jewellery
- Business & personal loans30%
Small-ticket loans to traders and salaried borrowers
- Vehicle & other loans15%
Two-wheeler and used-vehicle finance
Products & services
Gold loans
Loans against gold jewellery through Kerala and Tamil Nadu branches.
Business and personal loans
Small-ticket unsecured and secured loans.
Vehicle finance
Two-wheeler and used-vehicle loans.
What works
- • Large retail shareholder and depositor-style customer base in Kerala.
- • Gold loans provide a secured, liquid core portfolio.
- • Very low absolute price and market cap relative to net worth.
What to watch
- • Persistently low or negative profitability; return on equity has trailed the cost of funds.
- • Regulatory scrutiny of NBFCs that raised capital from retail investors and any RBI directions on lending practices.
- • Illiquid stock below par with no visible catalyst; figures here are approximate.