What does AKS Credits Limited do?

AKS Credits Limited is an NBFC incorporated in Delhi that is involved in investment in securities and providing loans and advances to borrowers.

Is AKS Credits Limited listed on any stock exchange?

Yes. AKS Credits Limited is listed on the Bombay Stock Exchange (BSE) under Group B, though it is described as 'unlisted' in some contexts possibly referring to its absence from NSE or from active trading.

When was AKS Credits Limited incorporated?

AKS Credits Limited was incorporated in 1991 in Delhi, with CIN L65921DL1991PLC043544.

Is AKS Credits Limited regulated by RBI?

As an NBFC, AKS Credits Limited would be registered and regulated by the Reserve Bank of India (RBI) under the RBI Act 1934 and applicable NBFC regulations.

How do I buy AKS Credits unlisted shares here?

Raise an enquiry on any company with the quantity you want. Our desk sources the shares and comes back with a firm price and allocation. You accept the allocation, transfer the funds to the desk's published bank account, and once we verify payment the shares are transferred into your demat.

Who am I actually transacting with?

You transact with the desk, not with an anonymous counterparty. When you buy, you buy from the desk; when you sell, you sell to the desk. Shares always route through the desk's own demat account, so there's one accountable party for the whole trade.

How do I pay, and is there a payment gateway?

Payment is by direct bank transfer to Prospire Network Private Limited's published account (CIN U82300UP2025PTC233622), shown to you in-app at the payment step. There is no card gateway and no escrow. Never pay to a personal account or to any account shared over phone, WhatsApp or email — even if the person claims to be from our team.

How long does settlement take?

After you accept an allocation, you have a short window to pay (typically 2 days). Once payment is verified, shares are usually credited to your demat within 2–3 business days, subject to depository timelines and any company-level restrictions. Timeframes are typical, not guaranteed.

There are no separate platform fee lines and no GST on the transfer — the desk's margin is built into the buy/sell price you're quoted. The only statutory add-on on a purchase is stamp duty on the consideration, shown transparently in your cost breakdown.

Is there a minimum ticket size for AKS Credits?

Minimums vary by company and depend on the lot the desk can source. Raise an enquiry and the desk will confirm the available quantity and the minimum for that name.

What KYC do I need, and do I need a demat account?

You'll share your demat details when you enquire so we can settle directly. Full KYC — PAN and a client-master / demat statement — is required before the transfer step, when shares actually change hands. Yes, you need an active demat account to hold unlisted shares.

Are there lock-ins on unlisted or pre-IPO shares?

Some shares carry statutory or company-imposed lock-ins — for example, a post-listing lock-in on pre-IPO stock — and transfers can be subject to the company's articles or approvals. Where a lock-in applies, we'll flag it before you commit.

How do I sell AKS Credits shares I already hold?

Raise a sell enquiry with the company, quantity and your target price. The desk confirms a buying price, you transfer your shares into the desk's demat, and once the credit is verified we pay you out by bank transfer to your registered account. The desk never pays out before your shares are received.

Unlisted shares are illiquid, may be hard or impossible to sell, and are not covered by exchange settlement guarantees or investor-protection funds. Pricing is indicative, not live. Read the full Risk Disclosure before you enquire, and invest only what you can afford to lock away.

AKS Credits Unlisted Share Price | Buy AKS Credits Pre-IPO Shares — wisefolio

Unlisted shares are illiquid and carry higher risk than listed securities. Prices are indicative, not live. Read the risk disclosure.

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AKS Credits Unlisted Share Price | Buy AKS Credits Pre-IPO Shares — wisefolio | wisefolio

Investment Thesis

AKS Credits Limited is a small, BSE-listed NBFC incorporated in 1991 in Delhi with minimal public profile. The company operates in lending and securities investments but lacks the scale, brand, and operational visibility of larger NBFCs. Investment carries high information risk. Due diligence on current financials via BSE filings or RBI registry is recommended before any exposure.

Pros

Registered as a Non-Banking Financial Company (NBFC) — benefits from the growing formal credit market in India
Listed on BSE Group B, providing some price transparency and regulatory oversight
Investment in securities and lending provides multiple income streams
Delhi-based NBFC with potential access to northern India's large credit-hungry SME and retail borrower base
NBFC sector benefits from the credit gap left by traditional banks, especially for MSMEs and retail borrowers

Cons

Very small scale NBFC — BSE Group B classification typically indicates low market capitalization and limited liquidity
Share price of ₹9.15 indicates a micro-cap or penny stock classification
Limited public disclosures and investor communication typical of small BSE Group B companies
NBFC sector faces regulatory tightening from RBI — capital adequacy norms, provisioning requirements, and credit concentration limits
Competition from large NBFCs (Bajaj Finance, Shriram Finance, Muthoot Finance) and digital lenders is intense
Investment in securities carries market risk; loan book quality is unknown without annual report access

Business Segments

Lending / Loans & Advances

Providing loans and advances to individuals, businesses, and entities — likely including secured and unsecured loans, inter-corporate deposits, and bill discounting

Investment in Securities

Investing in equity shares, bonds, debentures, and other securities for income through dividends, interest, and capital gains

Revenue Model

AKS Credits Limited earns revenue through (a) interest income on loans and advances extended to borrowers, (b) dividend and interest income from its investment portfolio in securities, and (c) capital gains on sale of investments. As a small NBFC, the spread between borrowing cost and lending rate (net interest margin) is the primary value driver.

Detailed Analysis

Growth outlookExpansion plans, industry tailwinds & headwinds12

Growth Plans

India's underpenetrated formal credit market provides long-term growth for NBFCs

Potential corporate restructuring or strategic infusion to scale the lending book

Rising interest rate spreads benefiting well-managed NBFCs

Any improvement in BSE trading volumes could improve liquidity for existing shareholders

Industry Tailwinds

Recent Developments

RBI NBFC Regulatory Tightening

RBI implemented enhanced scale-based regulation for NBFCs, increasing compliance burden for smaller NBFCs in the 'Base Layer' category. AKS Credits as a small NBFC would be classified under the Base Layer with relatively lighter regulation compared to larger NBFCs.

2023-24

BSE Group B Status

AKS Credits continues to be listed on BSE Group B, indicating it remains compliant with basic listing obligations, though liquidity is limited.

2024

Comparable Companies

CompanyTypeTickerMkt Cap

Bajaj Finance LimitedListedBAJFINANCE~₹4,50,000 Cr (NSE-listed)

Muthoot Finance LimitedListedMUTHOOTFIN~₹75,000 Cr (NSE-listed)

Shriram Finance LimitedListedSHRIRAMFIN~₹1,20,000 Cr (NSE-listed)

Bajaj Finance LimitedListed

BAJFINANCE · ~₹4,50,000 Cr (NSE-listed)

Frequently Asked Questions

About AKS Credits

AKS Credits Limited is a New Delhi-based non-banking financial company (NBFC) incorporated on 19 December 1991 and engaged in credit granting and financial intermediation activities. Registered with the Reserve Bank of India, AKS Credits provides loan and credit services to borrowers in the Delhi NCR region and beyond. As a registered NBFC engaged in 'other credit granting' under NIC classification, AKS Credits provides lending services to individuals and businesses that may not qualify for traditional bank financing. India's NBFC sector provides credit to approximately 20-25% of all borrowers in the country who cannot access formal bank credit — a critical role in financial inclusion. AKS Credits operates from Rithala Extension, North West Delhi — an area that has seen significant commercial and residential development over the past two decades. With authorised capital of Rs 11 Crore (fully paid-up), the company has a modest capital base for its NBFC lending operations. Directors include Atul Mahindru, Siddharth Singhal, Anurag Tulsian, and Sanjay Sethi — indicating a team with financial services expertise. The company has maintained RBI NBFC registration for over 30 years, demonstrating regulatory compliance and continuity. Small NBFCs like AKS Credits serve a vital role in India's credit ecosystem by providing credit to segments underserved by large commercial banks — including small traders, self-employed professionals, and informal sector businesses requiring short-term working capital.

Key Milestones

1991: Incorporated in Delhi as a public limited NBFC under the Companies Act

Common questions about unlisted shares

How do I buy AKS Credits unlisted shares here?
Raise an enquiry on any company with the quantity you want. Our desk sources the shares and comes back with a firm price and allocation. You accept the allocation, transfer the funds to the desk's published bank account, and once we verify payment the shares are transferred into your demat.
Who am I actually transacting with?
You transact with the desk, not with an anonymous counterparty. When you buy, you buy from the desk; when you sell, you sell to the desk. Shares always route through the desk's own demat account, so there's one accountable party for the whole trade.
How do I pay, and is there a payment gateway?
Payment is by direct bank transfer to Prospire Network Private Limited's published account (CIN U82300UP2025PTC233622), shown to you in-app at the payment step. There is no card gateway and no escrow. Never pay to a personal account or to any account shared over phone, WhatsApp or email — even if the person claims to be from our team.

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