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10 Yrs X-Ray 
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About
Upsurge Investment & Finance Ltd (531390)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531390 NSE: Finance - NBFC | Small Cap | Upsurge Invest.&Fin. Share Price
₹61.18 0.07 (0.11%)
As on 23-Sep'26 16:59
Upsurge Investment & Finance Ltd (531390)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531390 NSE: Finance - NBFC | Small Cap | Upsurge Invest.&Fin. Share Price
₹61.18 0.07 (0.11%)
As on 23-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹134 Cr.
Current Price
₹61.2
52-Week Low / High
₹55 / 95
TTM EPS
-
Book Value per Share
-
P/E Ratio
Industry PE
26.6
Price to Book (P/B)
EV/EBITDA
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
%
Return on Capital Employed (ROCE)
%
Return on Assets (ROA)
%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
94.52%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
64.61%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
-
Reserves
-
Equity
₹21.9 Cr.
Face Value
₹10
All Time Low / High
₹0.10 / 200.75
Check Before You Invest
Quality
Not GoodValuation
UndervaluedCheck Valuation charts
Price Trend
Weak
Is Upsurge Investment & Finance Ltd a good quality company?
Upsurge Investment & Finance Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Upsurge Investment & Finance Ltd performance compare with that of its Peers?
AUM Growth of Upsurge Investment & Finance Ltd vs Industry Peers?
Upsurge Investment & Finance Ltd AUM CAGR is %, compared to the 0-year industry median CAGR of 10.14%, indicating slower growth and losing its market share.
Promoter shareholding and pledge status of Upsurge Investment & Finance Ltd?
Promoters hold 54.56% of the Upsurge Investment & Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Upsurge Investment & Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 7.9% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Upsurge Investment & Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 14.6 | 13.2 | 39.3 | 25.6 | 22.7 | 28.3 | 38.2 | 32.6 | 58 | 113 | 43 | |
| YoY Gr. Rt. % | - | -9.8% | 198.4% | -34.8% | -11.2% | 24.4% | 34.9% | -14.5% | 77.7% | 95.1% | - | |
| Adj EPS (₹ ) | 0.1 | 0.3 | 2 | 0.8 | -2.7 | 6 | 6.2 | 0.3 | 7.4 | 8 | 5.3 | |
| YoY Gr. Rt. % | - | 161.5% | 491.2% | -62.2% | -452.6% | NA | 2.8% | -94.6% | 2151.5% | 7% | - | |
| BVPS (₹ ) | 14 | 14.3 | 16.3 | 15.7 | 13.1 | 19.1 | 24.7 | 24.5 | 31.5 | 51.8 | 60.8 | |
| YoY Gr. Rt. % | - | 2.4% | 14.1% | -3.5% | -17% | 45.9% | 29.7% | -0.7% | 28.3% | 64.6% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.8 | 2.3 | 11.4 | 4.2 | -17.3 | 32.7 | 25.8 | 1.2 | 23.4 | 19.4 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 25.6% | 37.9% | 43.7% | 95.1% | ||||
| Adj EPS | 57.9% | NA | 8.9% | 7% | ||||
| BVPS | 15.7% | 31.7% | 28% | 64.6% | ||||
| Share Price | 7% | 16.1% | 15.7% | -32.9% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 1.3 | 3.9 | 7.8 | 4.5 | -17.9 | 32.1 | 24.5 | 1.5 | 19.4 | 14.1 | 27 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 0.9 | 2.4 | 13.1 | 4.7 | -18.6 | 37.3 | 28.2 | 1.4 | 26.5 | 21 | 8.7 | |
Valuation of Upsurge Invest.&Fin. - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
No data found!
No data found!
No data found!
No data found!
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Upsurge Investment & Finance Ltd FAQs
The current trading price of Upsurge Invest.&Fin. on 23-Sep-2026 16:59 is ₹61.18.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 22-Sep-2026 the market cap of Upsurge Invest.&Fin. stood at ₹134.0 Cr
The latest P/E ratio of Upsurge Invest.&Fin. as of 22-Sep-2026 is 11.54.
The latest P/B ratio of Upsurge Invest.&Fin. as of 22-Sep-2026 is 1.01.
The 52-week high of Upsurge Invest.&Fin. is ₹94.80 and the 52-week low is ₹54.59.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Upsurge Invest.&Fin. is ₹42.99 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Upsurge Investment & Finance Ltd is a below average quality company.
The key valuation ratios of Upsurge Investment & Finance Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Upsurge Investment & Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
About Upsurge Investment & Finance Ltd
Upsurge Investment & Finance Ltd. was incorporated in the year 1994. The company started with a paid up capital of Rs. 3.25 millions and later went for public issue in 1995. Its maiden public issue had been subscribed successfully.
Upsurge Investment & Finance is a registered non banking finance company and had successfully come out with its maiden public offering in the year 1995. Upsurge Investment & Finance is mainly engaged into investments and finance activities. At present company's net worth is Rs. 141.5 million comprising of paid up share capital of Rs. 91.4 million and its reserves are Rs. 50 million as on March 31, 2007. The company's shares are listed at Bombay Stock Exchange, Mumbai.
The company's shares were listed in the Bombay Stock Exchange, Ahmedabad Stock Exchange, and Jaipur Stock Exchange & Madhya Pradesh Stock Exchange in 1996. Subsequently the equity shares of the company were delisted from Jaipur Stock Exchange & Ahmedabad Stock Exchange in the year 2003 and 2004 respectively, in accordance with SEBI (Delisting of Securities) Guidelines, 2003 for voluntary delisting
The company is managed by qualified Chartered Accountants and finance professionals, each having more than a decade of experience in their relevant field. The company is operating from Mumbai, Financial Capital of India.
Business area of the company: Upsurge Investment & Finance is a non banking finance company primarily engaged in the investments and finance activities.
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