1. Company Information
ICL Fincorp Limited is a well-established non-banking financial company (NBFC) with over three decades of
experience in providing customized financial solutions, primarily catering to retail and small business customers.
Incorporated in 1991 and registered with the Reserve Bank of India as a non-deposit taking NBFC, the company
has built a strong presence, especially in South India, with its corporate operations headquartered in Kerala. ICL
Fincorp’s business model focuses on secured lending products such as gold loans, loan against property, and
other retail-focused credit offerings, enabling it to manage credit risk prudently while maintaining stable asset
Company Strengths
1. Strong Secured Lending Model: ICL Fincorp Limited primarily focuses on secured lending products, especially gold loans, which significantly reduce credit risk and support stable asset quality. This model provides resilience during economic slowdowns and ensures better recovery prospects.
2. Established Market Presence: The company has a long operating history and a strong branch network, particularly across South India. Its deep understanding of regional markets helps in building customer trust and maintaining consistent business volumes.
3. Diversified Product Portfolio:In addition to gold loans, ICL Fincorp offers MSME loans, vehicle loans, loan against property, insurance, and investment products, which helps diversify income streams and reduce dependence on a single product.
4. Experienced Management and Governance:The company is backed by experienced promoters and a professional management team with sound expertise in financial services, risk control, and regulatory compliance.
5. Healthy Funding and Risk Management: ICL Fincorp maintains access to diversified funding sources and follows prudent risk management and asset-liability practices, supporting sustainable growth and financial stability.
2. Rating:
“CRISIL BBB- / Stable”
3.ICL FINCORP LIMITED Registrar
Vivro House 11, Shashi Colony,
Opposite Suvidha Shopping
Center, Paldi, Ahmedabad – 380007,
91 7940404242/40/41
investors@vivro.net
www.vivro.net