Scintilla Commercial & Credit (BOM:538857) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:538857 Scintilla Commercial & Credit Ltd BOM:538857
38 GF Score
Price ₹12.20
GF Value ₹5.67
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Scintilla Commercial & Credit Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

BOM:538857
38GF Score
Scintilla Commercial & Credit Ltd BOM:538857
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Scintilla Commercial & Credit (BOM:538857) Overvalued in 2026?

Based on GuruFocus' analysis, Scintilla Commercial & Credit stock appears to be overvalued. The current stock price of ₹12.20 is trading 115.2% above its estimated GF Value™ of ₹5.67. GuruFocus considers Scintilla Commercial & Credit to be Significantly Overvalued.

Key valuation signals for BOM:538857:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: ₹5.67 vs. price of ₹12.20 (115.2% above fair value)
  • GF Score™: 38/100 with 3 warning signs

No single metric tells the full story. See the BOM:538857 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Scintilla Commercial & Credit Business Description

Address 3, Bentinck Street, Room No. D-8, 4th Floor, Jajodia Tower, Kolkata, WB, IND, 700001
Scintilla Commercial & Credit Ltd is a non-banking financial company. The company is engaged in the business of providing loans and advances and investment in shares of other companies. The company generates revenue from Interest income.
38GF Score

Get the complete analysis for BOM:538857

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹12.20
Price
₹5.67
GF Value