What financial services does Maxvalue Credits and Investments Limited offer?

The company provides loans and advances to customers, makes investments, and engages in trading of shares and securities. It operates as a non-banking financial company (NBFC) registered with the Reserve Bank of India.

Is Maxvalue Credits and Investments Limited regulated by RBI?

As an NBFC engaged in lending and investments, the company should be registered with the Reserve Bank of India. Investors should verify its current NBFC registration status with RBI's public registry.

When was Maxvalue Credits and Investments Limited incorporated?

The company was incorporated in 1994, making it one of the older NBFCs in Kerala with over three decades of operating history.

Where is Maxvalue Credits and Investments Limited headquartered?

The company is headquartered in Thrissur, Kerala — known as the cultural and financial capital of Kerala, with a strong ecosystem for financial services businesses.

How do I buy Maxvalue Credits & Investments 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 Maxvalue Credits & Investments?

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 Maxvalue Credits & Investments 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.

Maxvalue Credits & Investments Unlisted Share Price | Buy Maxvalue Credits & Investments 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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Maxvalue Credits & Investments Unlisted Share Price | Buy Maxvalue Credits & Investments Pre-IPO Shares — wisefolio | wisefolio

Investment Thesis

Maxvalue Credits and Investments Limited is a three-decade-old Kerala NBFC with a diversified financial services model covering lending, investments, and securities trading. While its Thrissur base and local market knowledge are assets, the company's small scale, lack of digital presence, and intense competition from larger NBFCs and commercial banks limit its growth prospects. Investors should verify its RBI registration status and current financial health before considering any exposure.

Pros

Revenue ₹137 Cr (FY24) — substantial Kerala NBFC; 279 employees; gold loans, auto loans, microfinance across Kerala.
30+ years since 1994/1995; Thrissur (Koorkencherry), Kerala — heart of Kerala's NBFC-dense financial ecosystem.
Full-service lending: gold loans, personal loans, business loans, vehicle loans, property loans — diversified product mix.
Website: maxvaluecredits.com; pan-Kerala branch network; strong retail and SME borrower base.

Cons

Unlisted (U-prefix) — no secondary market; shares trade OTC only despite ₹137 Cr revenue.
Company has no promoters as of March 2023 & 2024 — unusual governance structure; diffuse ownership creates strategic direction risk.
Gold loan and microfinance NBFCs face RBI scrutiny; gold LTV limits and priority sector norms constrain growth.
Kerala NBFC market is highly competitive: Muthoot, Manappuram, Manappuram Home Finance dominate gold lending.

Business Segments

Gold Loans

Gold loan lending to retail borrowers in Kerala; secured lending against gold jewellery collateral.

Auto & Vehicle Loans

Vehicle and auto loans for two-wheelers, cars, and commercial vehicles; origins as a gear/vehicle financing company.

Microfinance & Business Loans

Microfinance loans, traders loans, personal loans, and property loans for retail and SME borrowers across Kerala.

Revenue Model

Maxvalue Credits and Investments Limited earns revenue primarily through net interest income (NII) on its loan and advances book, supplemented by income from investments and trading in shares and securities. As an NBFC, its profitability is driven by the spread between its cost of borrowings and the yield on its lending portfolio, as well as returns from its investment activities.

Detailed Analysis

Growth outlookExpansion plans, industry tailwinds & headwinds9

Growth Plans

Growing demand for credit among Kerala's SMEs and retail borrowers not fully served by commercial banks

NRI remittance-backed wealth management and investment product demand in Kerala

Digital lending technology adoption enabling lower-cost customer acquisition and underwriting

Industry Tailwinds

Growing demand for credit among Kerala's SMEs and retail borrowers not fully served by commercial banks

Recent Developments

Operating under RBI's scale-based NBFC regulation

The company operates under RBI's scale-based regulation framework for NBFCs introduced in 2021, which classifies smaller NBFCs (NBFC-BL) with lighter compliance requirements but also limits certain activities.

2024-01

Comparable Companies

CompanyTypeTickerMkt Cap

Muthoot Finance LimitedListedMUTHOOTFIN~₹80,000 Cr (listed)

Manappuram Finance LimitedListedMANAPPURAM~₹15,000 Cr (listed)

Asirvad Micro Finance LimitedListedUnlisted / IPO pipeline~₹3,000 Cr (estimated)

Muthoot Finance LimitedListed

MUTHOOTFIN · ~₹80,000 Cr (listed)

Frequently Asked Questions

About Maxvalue Credits & Investments

Maxvalue Credits and Investments Limited is a Kerala-based non-banking financial company (NBFC) engaged in lending and investment activities. The company operates in the credit and investment segment, providing financial services including loans and credit facilities to retail and small business customers. NBFCs in Kerala like Maxvalue Credits have historically served a significant role in providing financial services to segments underserved by traditional banks, including small traders, self-employed individuals, and micro-enterprise borrowers. Kerala has a well-developed NBFC ecosystem, including institutions focused on gold loans, vehicle loans, and microfinance. Maxvalue Credits likely offers a range of lending products including personal loans, business loans, or asset-backed lending (such as gold loans or vehicle loans). The company would generate income from interest on loans less cost of funds (borrowings from banks, NCDs, and deposits). As an NBFC registered with the Reserve Bank of India, Maxvalue Credits would be subject to RBI's prudential norms on capital adequacy, asset classification, and provisioning. The Kerala NBFC sector has seen consolidation and regulatory tightening in recent years following stress events in some Kerala-based financial entities.

Key Milestones

Incorporated November 2, 1994/1995 in Thrissur, Kerala (CIN: U65910KL1994PLC007993)

Started as gear financing company; grew into full-service Kerala NBFC (gold, auto, business, microfinance loans)

Common questions about unlisted shares

How do I buy Maxvalue Credits & Investments 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?

Risk factors & red flagsInvestment risks and items flagged from public filings10

Fraud / GovernanceMedium

As an NBFC lender, the company is exposed to borrower default risk. Deterioration in asset quality can rapidly erode equity if the loan book is not well-diversified or collateralized.

Source: Media Reports / Public Records

Fraud / GovernanceLow

RBI's tightening NBFC regulatory framework, including scale-based regulation (SBR) and higher provisioning norms, increases compliance costs and may require capital augmentation.

Source: Media Reports / Public Records

Leverage & DebtLow

NBFCs without access to CASA deposits face funding risk if capital market borrowings dry up or interest rates rise sharply. Smaller NBFCs are particularly vulnerable to funding squeezes.

Source: AlphaHub Research

Operational RiskLow

Kerala's financial services market is highly competitive with cooperative banks, public sector banks, large NBFCs (Muthoot Finance, Manappuram Finance), and fintech lenders all targeting similar customer segments.

Source: AlphaHub Research

Fraud / GovernanceLow

No confirmed ISIN and unlisted status mean investors cannot sell shares on any exchange, creating near-zero exit liquidity for minority shareholders.

Source: Media Reports / Public Records

Credit Risk

As an NBFC lender, the company is exposed to borrower default risk. Deterioration in asset quality can rapidly erode equity if the loan book is not well-diversified or collateralized.

Regulatory Risk

RBI's tightening NBFC regulatory framework, including scale-based regulation (SBR) and higher provisioning norms, increases compliance costs and may require capital augmentation.

Liquidity Risk

NBFCs without access to CASA deposits face funding risk if capital market borrowings dry up or interest rates rise sharply. Smaller NBFCs are particularly vulnerable to funding squeezes.

Competition Risk

Liquidity (Investor) Risk

No confirmed ISIN and unlisted status mean investors cannot sell shares on any exchange, creating near-zero exit liquidity for minority shareholders.

Maxvalue Credits and Investments Limited

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