India’s financial sector in 2025 is flourishing, characterised by bank credit growth, a decline in non-performing assets (NPAs), and increasing profits. The government’s initiatives such as Pradhan Mantri Jan Dhan Yojana and Atal Pension Yojana have propelled financial inclusion, resulting in more than 55 crore accounts being opened as of April 2025. Digital payments are booming, as UPI transactions hit 186 billion in FY25, accounting for 84% of all payments. Read the blog to discover the top financial penny stocks in 2025.
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Top penny stocks in the financial sector
Here are the top financial penny stocks based on their market capitalisation, from lowest to highest, as of June 27, 2025.
| Name | Current Price (₹ ) | Market capitalisation (₹ crores) | ROE % | ROCE % | Debt to equity ratio |
| Shikhar Consultants Ltd | 2.37 | 1.08 | -4.80 | -3.27 | 0.50 |
| Geetanjali Credit and Capital Ltd | 3.97 | 1.75 | -0.96 | -0.96 | 0.02 |
| Charms Industries Ltd | 5.13 | 2.11 | -158 | -30.3 | 20.0 |
| Indo Credit Capital Ltd | 2.97 | 2.15 | -0.86 | -0.86 | 0.00 |
Shikhar Consultants Ltd
Shikhar Consultants Ltd, a professional consultancy firm incorporated in 1993 and providing advisory services to the financial and business sectors. The company is reaching out to a diversified client base across various sectors and is using its consultancy and compliance expertise for that.
The company, in its last financial statement, declared total assets of ₹2.92 crore as of March 2024. The market capitalisation was roughly ₹1.08 crore, and at the same time, the price of the company’s stock was ₹2.37 on June 29, 2025. The promoter’s stake was 41.62% as of March 2025.
| Particulars | March 2025 (₹ Crores) | March 2024 (₹ Crores) |
| Sales | -0.00 | -0.00 |
| Operating Profit | -0.01 | -0.15 |
| Net Profit | -0.01 | -0.15 |
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Geetanjali Credit and Capital Ltd
Geetanjali Credit and Capital Ltd is a company incorporated in the year 1990 and headquartered in Karnataka. They operate as an NBFC (non-banking financial company) that provides investing in shares, granting loans, margin funding, and portfolio management services. The company primarily is focused on delivering both retail and corporate clients with a variety of financial solutions.
For FY 2024, it disclosed that the total assets were ₹3.27 crore. Its market capitalisation is ₹1.75 crore and the share price is ₹3.97 as of June 29, 2025.
| Particulars | March 2025 (₹ Crores) | March 2024 (₹ Crores) |
| Sales | 0.00 | 0.01 |
| Operating Profit | -0.02 | 0.01 |
| Net Profit | -0.02 | 0.01 |
| EPS | -0.05 | 0.02 |
Charms Industries Ltd
Charms Industries Ltd, founded in 1992 and located in Ahmedabad, is a company that trades in agricultural produce and related products, with a concentration on the agriculture sector. The company has also performed across industrial, consumer, and building materials segments.
For the financial year 2024, Charms Industries reported revenue from operations of 0.39 crore and total assets of 0.68 crore. The company’s market capitalisation is ₹2.11 crore as of 29 June 2025.
| Particulars | March 2025 (₹ Crores) | March 2024 (₹ Crores) |
| Sales | 0.00 | 0.09 |
| Operating Profit | -0.04 | -0.01 |
| Net Profit | -0.04 | -0.01 |
| EPS | -0.10 | -0.02 |
Also Read: Are Penny Stocks Worth the Risk in 2025?
Indo Credit Capital Ltd
Indo Credit Capital Ltd, established in 1993, is an NBFC (Non-Banking Financial Company) that deals in providing finance and investment services such as loans, advances, and other financial products to individuals and businesses. The company is mainly concerned with addressing the financial needs of various sectors.
The company has shown a revenue of ₹0.2487 crore in FY 2024 and total assets of ₹9.87 crore. As of 29 June 2025, Indo Credit Capital Ltd has a market capitalisation of ₹2.15 crore, with its shares being traded at ₹2.97.
| Particulars | March 2025 (₹ Crores) | March 2024 (₹ Crores) |
| Sales | 0.12 | 0.06 |
| Operating Profit | 0.09 | -0.03 |
| Net Profit | 0.09 | 0.10 |
| EPS | 0.12 | 0.14 |
Conclusion
India’s financial system is going through changes due to regulatory reforms, digital adoption, and increasing financial inclusion. The scene is dominated by a blend of traditional and new players having various business models and financial performances. Consequently, the sector is adjusting to the changes in the market and technological progress, yet penny stocks in the financial sector are still a significant segment that signifies the expansion and intricacy of the wider market atmosphere in 2025.
FAQs
Penny stocks are shares of small companies that have limited financial history, low liquidity, and high volatility. These companies are usually less informed thus the prices might be affected by manipulation or sudden changes. Before investing in penny stocks, you need to examine the basics of the company, the market trend, and the potential risks.
Penny stocks in India refer to the shares of small companies that are low-priced and are mostly known for high volatility, less liquidity, and irregular financial disclosure. Their performance and stability can vary from one company to another. This sector still forms part of the broader market, thus showing the variety and spectrum of business models that are found in India’s financial landscape.
As of June 27, 2025, the three highest financial stocks in India in terms of market capitalisation are Bajaj Finance, Bajaj Finserv and Jio Financial. These firms are at the top of the financial sector with their wide network, solid balance sheets, and strong market presence, thus they are the biggest players in India’s banking and financial market.
Finding the best penny stocks in India means evaluating companies with low market capitalisation and share prices. The main factors are checking the financial condition, growth capability, trading volume, and the quality of management of the company. By comparing the fundamentals, recent performance, and sector trends, one can discover stocks that are different from others in this volatile segment. Unbiased research and checking the stock market disclosures are some of the methods used.
Financial penny stocks in India are not like traditional large-cap financial stocks that are based on the stock market in the same sector. The penny stocks are shares of smaller companies which are low in price and usually have limited financial history, low liquidity and are highly volatile. On the other hand, large-cap financial stocks are stocks of well-known companies that have stable earnings, higher liquidity, stronger regulatory compliance and can provide more consistent performance and reliability.
