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UNLISTED COMPANY PROFILE

SMILE MICROFINANCE

FINANCIALS LINE
INDICATIVE PRICE / SHARE
₹82
▲ +0.0% · 30-DAY
OTC REFERENCE PRICE · NOT AN OFFER TO DEAL
PRICE AS OF 02 SEPT 2026
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INDICATIVE PRICE HISTORY · DATED OBSERVATIONS SINCE 2024

PRICE HISTORY.

Use the left and right arrow keys to inspect dated observations. Home selects the first observation and End selects the latest.

₹82
₹82
02 Apr 2404 Apr 2602 Sept 26

ALL-TIME LOW
₹82
ALL-TIME HIGH
₹82
WINDOW
ALL
NOT A STOCK-EXCHANGE QUOTE · NOT AN OFFER TO DEAL
THE TIMETABLE · KEY NUMBERS

Key numbers

Published fundamentals and the date each figure was recorded.

CALCULATION METHOD →
Market cap
₹142 Cr
Indicative price × reported outstanding shares
Min. investment
₹10,250
Indicative price × lot size
Lot size
125
P/E ratio
46.59
P/B ratio
2.47
EPS
1.76
ROE
5%
Book value
₹33.15
Face value
₹10
ISIN
INE786V01012
Company security identifier

About this company

SMILE Microfinance Limited (now operating as SMFL Services Limited) is a Chennai-headquartered financial-services company that, for most of its operating life, functioned as one of South India's well-known microfinance institutions. Incorporated in 1995 and building out its microfinance operations from around 2004, the company served economically weaker households — predominantly women borrowers in urban and rural Tamil Nadu — through the Joint Liability Group (JLG) model, extending small, unsecured income-generation loans to customers with limited access to formal banking credit. It operated for years as a Reserve Bank of India-registered NBFC, later holding a dedicated NBFC-MFI licence. A defining feature of the company is its parentage. DWM Investments (Cyprus) Limited, linked to the Developing World Markets group, became the majority shareholder with a stake of roughly two-thirds, alongside the founding promoter group and a holding once attributed to current and former women members. This international development-finance backing historically shaped the company's governance and capital structure. The company's corporate trajectory changed materially in 2022, when it transferred its entire microfinance business as a going concern, on a slump-sale basis, to the Northern Arc group. Following that transaction the operating microfinance portfolio, branch network and staff moved across, and the company subsequently surrendered its NBFC-MFI licence and was renamed SMFL Services Limited. Public records also indicate the company moved toward a voluntary liquidation process. In the unlisted market, SMILE Microfinance attracts attention largely because of this distinctive history: a recognised brand name, foreign institutional ownership, and a corporate-action storyline involving a business sale and subsequent restructuring. Indicative quotes for its equity shares continue to circulate on unlisted-share desks, where the price reflects dealer-to-dealer supply and demand rather than any exchange mechanism. Prospective participants typically examine the company's residual assets, shareholding pattern and the status of its restructuring as part of their own assessment.

COMPANY AT A GLANCE
Sector lineFinancials
SettlementNSDL / CDSL
Incorporated1995
Listing statusUnlisted / Pre-IPO
*INDICATIVE · TIMELINE MAY CHANGE · NOTHING FINAL UNTIL THE RHP

COMPANY REGISTRY · ON FILE

PUBLIC OR ADMIN-SUPPLIED DATA · VERIFY INDEPENDENTLY
CIN
U67190TN1995PLC030604
PAN
AAFCS5614J
Incorporated
1995
Outstanding shares
1,73,39,639
Registered office
8th Floor No. 2, South Tower, KRM Plaza, Harrington Road, Chetpet, Chennai, Egmore, Nungambakkam, Tamil Nadu 600031, India
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THE LOGBOOK · FINANCIALS BY YEAR

WHAT THE ENGINE HAS DONE.

AMOUNT UNIT NOT VERIFIEDFY22FY23FY24
REVENUE6,8801,932679
PAT-2,140-575307
EPS (₹)-12-32
PAT MARGIN-31%-30%45%
CAUTION · AMOUNT UNIT AND FIELD-LEVEL SOURCES HAVE NOT BEEN VERIFIED · DO NOT RELY ON THESE FIGURES WITHOUT CHECKING THE COMPANY FILING

THE CREW · BOARD & MANAGEMENT

Aleem Remtula
Director
J Bradley Swanson
Director
V.T. Prabakaran
Chief Financial Officer
COMPANY TIMELINE · EVENTS
SMFL Services Limited (formerly S.M.I.L.E. Microfinance Limited) commenced voluntary liquidation. (16 Aug 2024)
READ THE NOTICE →
THE GLOVEBOX · ANNUAL REPORTS
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NON-BINDING · NO PAYMENT · NOT AN OFFER TO DEAL
RESEARCH DESK · QUESTIONS

COMMON QUESTIONS.

Is SMILE Microfinance listed on the stock exchange?+

No. As of 2 September 2026, SMILE Microfinance is an unlisted company whose shares trade over-the-counter; it would list only if and when it completes an IPO.

What is the SMILE Microfinance unlisted share price?+

As of 2 September 2026, the indicative unlisted share price of SMILE Microfinance is ₹82 per share. This is an over-the-counter reference price, not a stock-exchange quote.

What indicative minimum amount is displayed for SMILE Microfinance unlisted shares?+

The displayed unit count is 125 share(s); at the indicative price of about ₹82, the displayed amount is approximately ₹10,250. This is a display convention, not evidence of inventory, an order minimum or a quote.

What is the ISIN of SMILE Microfinance?+

The recorded ISIN of SMILE Microfinance is INE786V01012. An ISIN is a 12-character security identifier. Verify it against the issuer and the relevant depository record before using it for any transfer or documentation.

Is trading in SMILE Microfinance unlisted shares legal in India?+

Unlisted shares can be transferred off-market in India, but the legal, tax and compliance position depends on the security, parties, documents and current rules. Verify the intermediary, issuer restrictions and applicable requirements before proceeding.

Is there a lock-in period for unlisted shares?+

A post-listing lock-in may apply under the rules in force at the time. The period and any exemptions can depend on the holder and acquisition, so check the current regulation and the issuer's offer documents rather than relying on a generic period.

Do you guarantee returns?+

No. Unlisted shares carry higher risk and lower liquidity than listed shares. Returns depend on company performance, market conditions and future listing outcomes. This is information only, not investment advice.

SIMILAR COMPANY PROFILES
FINANCIALS LINE.
Prices shown are indicative over-the-counter reference prices, not an offer to deal. This page is information only and not investment advice. Unlisted shares carry higher risk and lower liquidity than listed shares. Settlement to your own demat account via NSDL / CDSL through registered intermediaries.
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