Overview

Detailed Summary

Upsurge Investment & Finance Ltd is a non-banking financial company (NBFC) focusing on financial advisory, capital growing, and managerial services for SMEs across India.
The company provides comprehensive financial solutions from standard business loans to project financing, catering to businesses of all sizes including microcredit for low-income families.
Upsurge's services extend to structured financing, debt syndication, and advisory for capital raising from seed funding to IPO, supporting SMEs in their growth journey.
The company identifies undervalued businesses, offering them financial resources to realize growth potential, thereby acting as a catalyst for their expansion.
Lack of recent performance data or strategic moves could imply a stable but potentially low-growth business model endemic to traditional financial services.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 128 Cr
Volatility: High Risk
P/E Ratio: 39.4
Industry P/E: 18.0
PEG Ratio: 2.0
P/B Ratio: 1.1
52W High: 144.30
52W Low: 56.00

Sales CAGR

1Y: 95.15%
3Y: 43.67%
5Y: 38.09%
10Y: 26.03%

Profit CAGR

1Y: 41.65%
3Y: 19.54%
5Y: —
10Y: 63.43%

ROE

TTM: 2.75%
3Y: 14.61%
5Y: 18.02%
10Y: 12.80%

ROCE

TTM: 4.89%
3Y: 18.21%
5Y: 21.51%
10Y: 15.69%

Technicals

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Forecasts

Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
SONAL		96.50	136 Cr	5.28	0.35	0.00	6.66	5.66	1.65
PMCFIN		1.91	135 Cr	22.00	0.73	0.00	3.31	6.55	3.24
KREONFIN		65.00	130 Cr	17.89	3.60	0.00	20.12	16.55	9.47
APOLLOFI		345.00	129 Cr	18.51	1.73	0.00	7.72	11.87	6.64
UPSURGE		58.25	128 Cr	39.43	1.09	0.86	2.75	4.89	2.64
KIFS		113.30	123 Cr	15.36	1.93	1.37	12.60	7.63	1.77
RLFL		14.70	119 Cr	39.04	4.07	0.00	11.04	12.19	6.96
Median: 7 Co.	—	65.00	129 Cr	18.51	1.73	0.00	7.72	7.63	3.24

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	17	21	19	39	18	37	22	23	8.99	2.42
Expenses	14	17	14	28	16	36	13	22	7.39	10
Interest	0.03	0.04	0.05	0.07	0.34	0.18	0.05	0.23	0.43	0.25
Financing Profit	3.03	3.29	5.70	12	1.77	-0.02	9.23	0.95	1.17	-8.00
Financing Margin %	18.01	16.02	29.28	29.97	10.00	-0.05	41.04	4.15	13.01	-330.58
Other Income	0.00	0.00	0.00	0.00	0.00	0.51	1.69	0.00	0.00	0.01
Depreciation	0.01	0.00	0.01	0.00	0.01	0.01	0.01	0.01	0.01	0.01
Profit Before Tax	3.02	3.29	5.69	12	1.76	0.47	11	0.94	1.16	-8.00
Tax %	17.88	16.41	21.09	20.49	0.00	34.04	29.61	0.00	27.59	22.13
Net Profit	2.49	2.74	4.49	9.39	1.76	0.31	7.68	0.94	0.85	-6.23
EPS in Rs	1.13	1.25	2.05	4.02	0.75	0.13	3.01	0.37	0.33	-2.84
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	13	39	26	23	28	38	33	58	113	116
Expenses	13	36	24	27	19	27	32	45	93	93
Interest	0.01	0.09	0.27	0.07	0.13	0.15	0.17	0.14	0.64	0.64
Financing Profit	0.58	3.55	1.30	-4.04	9.55	11	0.90	13	19	23
Financing Margin %	4.44	9.03	5.09	-17.91	33.77	28.17	2.77	22.77	17.01	19.62
Other Income	0.07	0.30	0.00	0.00	0.00	0.00	0.00	0.00	0.51	NaN
Depreciation	0.03	0.03	0.03	0.02	0.01	0.01	0.03	0.03	0.03	0.03
Profit Before Tax	0.63	3.82	1.28	-4.06	9.55	11	0.87	13	20	25
Tax %	558.90	494.95	1,024.57	-27,05,083.33	2,032.23	769.50	236.45	687.57	522.12	23.29
Net Profit	0.51	3.04	1.15	-4.06	9.08	9.34	0.50	11	16	19
EPS in Rs	0.23	1.39	0.53	-1.85	4.14	4.26	0.23	5.14	6.95	0.87
Dividend Payout %	—	402.00	—	—	—	1,232.00	66.00	1,486.00	1,490.00	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	15	15	15	15	15	15	15	15	15	20
Reserves	6.01	6.52	9.57	8.69	4.63	14	22	22	33	85
Borrowings	0.32	0.91	5.44	0.60	2.62	4.06	1.72	2.28	3.20	0.19
Other Liabilities	0.07	0.32	0.03	0.05	0.09	0.16	0.17	2.39	1.55	2.32
Total Liabilities	22	23	30	24	22	33	39	42	52	107
Fixed Assets	0.18	0.15	0.08	0.04	0.03	0.03	0.24	0.21	0.18	0.16
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	6.52	5.10
Investments	0.00	0.00	0.00	7.23	6.03	11	2.81	12	14	33
Other Assets	21	23	30	17	16	22	36	30	32	70
Total Assets	22	23	30	24	22	33	39	42	52	107

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-1.91	5.56	4.24	-4.05	3.68	1.96	-15	9.79	-2.17	-26
Cash from Investing Activity	0.18	0.07	-2.54	-2.72	-1.61	2.61	18	-8.82	1.94	-16
Cash from Financing Activity	0.00	-0.01	-0.09	-0.91	0.00	0.00	-0.76	-0.76	-0.76	41
Net Cash Flow	-1.73	5.62	1.60	-7.68	2.08	4.57	2.54	0.21	-0.98	-1.07

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2023	Mar 2024	Jun 2024	Aug 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Feb 2026	Mar 2026
Promoters	57.15%	59.01%	59.01%	50.62%	50.62%	50.62%	50.62%	50.62%	50.62%	50.62%	54.56%	54.56%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.01%	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	42.84%	40.98%	40.98%	49.37%	49.37%	49.37%	49.37%	49.37%	49.37%	49.37%	45.44%	45.44%
Total Shareholders	4,059	4,700	4,560	4,153	4,064	4,531	4,522	4,720	4,905	4,882	4,013	3,956

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