Universal Credit & Securities Ltd


BSE: 531963 | NSE: NA | ISIN: INE607F01013 
Market Cap: [Rs.Cr.] 1 | Face Value: [Rs.] 10
Industry: Finance & Investments

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Management Discussions

MANAGEMENT DISCUSSION AND ANALYSIS

The Company is in the business of Trading in shares and Finance Activity. The keyissues of the Management Discussion and Analysis are given below.

(a) Industry structure and developments

Indian Finance market size is estimated at Rs. 100 Trillion. Approximately one third ofthis demand is met through Share Market and the balance is met through Financers andlenders. The Industry is mainly dependent on the Investors sentiments. It is nowprevailing good and getting healthy.

The fortunes of the Finance industry are, to a large extent, linked to the growth ofthe Industry and Investment sentiments of the people. The Industry is facing intensecompetition from the Foreign financial Institution.

(b) Strength

The strength of a company is known from the profit it earns and sound advances.; Italso depends on the Government policies of taxation. Introduction of SecuritiesTransaction Tax and thereby exempting Long term Capital gain has given a big boost to themarket.

(c) Comment on Current year's performance

Receipts The Receipt has been phenomenal for the first year of its operations.
Operating Expenses The operating Expenses are well under control.
Operating Profits The Operating Profits are up to industry mark.
Indirect Expenses The Indirect Expenses are under control.
Depreciation Reasonable amount bf Depreciation is provided.
Profit before tax Profit before tax is also an improving trend.
Taxation Taxation is Provided as per Income Tax Act.
Debtor/Sales Debtors are reasonable.
Creditors/ Purchase The Company has an established credit.

(d) Opportunities and threats

The impact of boom in capital market and real estate market due to government supporthas provided a boost to the economy and it is set to grow at 7% to 8% supported by a smartgrowth in manufacturing and services sectors. This brings prosperity to a country and moreand more people go for investment in Share market. Outlook for the year 2011 is positive.While the overall demand outlook for the year 2010remains good, the Company expects thepressure on quality customers to continue due to competition.

(e) Segment wise performance

The business of the Company falls under a single segment i.e. Share broking andInvestment in shares for the purpose of Accounting Standard AS-17.

(f) Outlook

The continual growth in the Finance sector is expected to give the necessary support tothe Finance industry. The Company is making all efforts to accelerate growth of itsbusiness. It expects to improve its position in the market by focusing on technologicallyadvanced and more profitable products/market segments and working aggressively in theareas of productivity, efficiency and cost reductions.

(g) Risk and concerns

The menace of local Finances and play of angadia has further compounded the problems ofthe organised Finance Industry as they use inferior way of transferring funds. The Stockmarket is also a risky place to put one's fund. The pull back of FIIs will also have anadverse effect on the share market.

(h) Internal control system

Internal audit and other controls have been found to be adequate. These are reviewedperiodically by the Audit Committee and found the performance satisfactory.

(i) Developments in human resources and industrial relations

Information as per Section 217 (2A) of the Companies Act, 1956 read with the Companies(Particular of Employees) Rules, 1975 is riot required to be given as no employee fallsunder it. The Company continued to have cordial relations with all the employees.

   

Peer Comparison

Company Market Cap
(Rs. in Cr.)
P/E (TTM)
(x)
P/BV (TTM)
(x)
EV/EBIDTA
(x)
ROE
(%)
ROCE
(%)
D/E
(x)
I D F C 21,873.71 12.39 1.63 11.65 13.9 10.6 3.56
Shriram Trans. 17,472.76 12.84 2.43 8.06 20.6 13.4 4.10
M & M Financial 15,020.69 17.41 3.37 9.49 22.8 13.6 4.34
L&T Fin.Holdings 13,202.50 118.31 3.74 80.10 2.8 3.8 0.07
Vatsa Corpn 10,250.98 0.00 1.35 0.00 0.0 0.0 0.00
Bajaj Finserv 9,822.92 144.22 4.08 80.93 5.4 7.6 0.00
Reliance Capital 8,207.73 12.40 0.71 10.23 5.7 9.7 2.06
Bajaj Fin. 7,146.17 12.09 2.12 9.86 24.0 13.3 4.99
Sundaram Finance 5,998.84 14.63 2.87 7.51 21.4 13.1 5.32
Shri.City Union. 5,822.98 12.95 2.64 8.04 23.3 14.1 5.75
KSK Electricity 5,418.99 3,168.33 9.36 0.00 0.3 0.4 0.00
India Securities 4,926.38 0.00 57.40 0.00 0.0 0.0 1.78
Religare Enterp. 4,865.21 111.52 2.26 0.00 0.0 0.0 0.00
DSP Merrill Lyn 4,689.56 24.85 2.36 0.00 10.4 14.2 0.00
Muthoot Finance 4,629.65 4.61 1.24 6.23 41.9 20.6 7.35

Futures & Options Quote

 
Expiry Date
NA
Instrument: NA
Expiry Date: NA
Strike Price: NA
Open Price: NA
Average Price: NA
No. of Contracts Traded: NA
Open Interest: NA
Underlying: NA
Option Type: NA
Market Lot: NA
Previous Close: NA
Day’s High | Low: NA | NA
Turnover (Cr.): NA
Open Int. Change: NA | NA
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Key Information

Key Executives:

Chetan Pandit , Chairman  

Abhishek Shah , Managing Director  

Narendra Shah , Director  

Jitendra Shah , Independent Director  


Company Head Office / Quarters:
B-5 MIRA Co-op Hsg Society,
Makrand Desai Road,
Vadodara,
Gujarat-390015
Phone :
Fax :
E-mail :
Web : http://
Registrars:
Sharex Dynamic (I) Pvt Ltd
17/B Dena Bank Bldg
Horniman Circle
2nd Floor Fort
Mumbai - 400 001

Fund Holding

 
Scheme Name No. of Shares
No data found

Calendar

Jun-2013
M T W T F S S
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IPO
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