Upsurge Investment & Finance Ltd

Capital,
carefully
placed.

A Mumbai finance house that lends and invests: secured and structured credit, special-situation capital, and investments in listed and private companies, each one underwritten conservatively.

What we offer Pitch to us
  • Listed since 1996
  • Scrip 531390
  • Promoter-led
  • Non-deposit taking NBFC
A vast white hall seen from within, its ribs converging on a long skylight
FrontispieceRibbed hall, looking along the skylight

Built to last, not to stretch.

We run a deliberately conservative balance sheet. We borrow within prudent limits, lend only against security we understand, invest only in businesses we understand, and size every commitment to an outcome we can see. The discipline lives in the underwriting, not in how far we are willing to reach.

What we hold to

  1. Secured, always

    Every rupee we lend is backed by an asset we understand and can value.

  2. Speed with discipline

    Fast does not mean loose.

  3. Conservatively run

    We keep a prudent balance sheet and use leverage with restraint.

About the house

What we offer

Four families of capital.

Credit and investments of our own, each conservatively underwritten and held to one standard.

  1. Secured Lending

    Liquidity against assets you already own, at a conservative loan-to-value and released quickly, with no processing or prepayment fees.

    Flights of weathered stone steps descending in tiers into the Chand Baori stepwell at Abhaneri
    Plate IChand Baori, Abhaneri, Rajasthan

  2. Structured Credit

    Bespoke, big-ticket facilities for established businesses, secured throughout and carefully structured.

    Elliptical white ribs rising in tiers to a long skylight
    Plate IIRibbed atrium, looking up to the skylight

  3. Special Situations

    Credit, hybrid and equity capital where timing and complexity deter conventional lenders, built around a defined exit.

    A wedge of sky framed between tall concrete walls at Museum SAN, seen from below
    Plate IIIMuseum SAN, Wonju, by Tadao Ando

  4. Proprietary & Strategic Investments

    Our own capital, invested in listed and private companies we understand, and in strategic positions we intend to hold for the long run.

    A carved stone chariot wheel on the Sun Temple at Konark
    Plate IVSun Temple wheel, Konark

The way we deal

Plainly, and on terms we have kept for a generation.

  1. No processing fees

    We do not charge to look at a proposal or to arrange a facility. The rate is the whole of it.

  2. No prepayment penalty

    Settle early whenever it suits you. We have never charged a borrower for repaying us.

  3. Little paperwork

    We ask for what we genuinely need to understand the asset, and nothing assembled merely to look thorough.

  4. A prompt answer

    A considered yes or no in days, and funds at the pace the matter honestly deserves.

A dark brick vault opening onto a long arcade, its far side lit by daylight
Plate VBrick vaults, looking through to the arcade

“Lend against what is real, structure for the exit, and let prudence, not appetite, set the size.”

The house rule

Investors

Transparency, on the record.

Our filings, policies and disclosures are maintained in full and updated as required under SEBI's Listing Regulations.

Promoter holding
30.66% (2017) to 54.56% (2026) The people closest to the business have kept adding to their stake.
Dividends
Five years running
Face value
₹10
CIN
L67120MH1994PLC079254

Two ways to begin

The pylons and cable stays of the Millau Viaduct against a pale sky
Plate VIMillau Viaduct, France

For promoters, borrowers and deal referrers

Pitch to us

Credit, hybrid or equity: tell us what you need and what backs it. We read every serious proposal and respond quickly.

For shareholders

Investor relations

Every filing, on record: financial results, shareholding patterns, governance reports and annual reports, by financial year.