Key Metrics of Kamu Motors
About Kamu Motors
Sectors
Company details
Operational Areas of Kamu Motors
Company summary
Entity details
Compliance
Industry classification
Financials, ratios and risk analysis
Revenue, EBITDA, net profit, net worth, debt and assets for every filing year, 15+ ratios, the financial health score, shareholding, charges and peer comparison are part of the premium plan.
Sign in to continue See plans & pricingFiling compliance
Due dates follow the Companies Act: AGM within six months of the year end, AOC-4 within 30 days and MGT-7 within 60 days of the AGM. A filing made but not yet uploaded here shows as pending.
Vendor checks & payment capacity
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Credit ratings
PositiveUpgraded by ICRA on 03 Nov 2026 (from BB)
Rating history
Rating actions
| Date | Agency | Action | Long term | Short term | Outlook | Rated amount | Rationale |
|---|---|---|---|---|---|---|---|
| 03 Nov 2026 | ICRA | Upgraded (from BB) | BB+ | — | Stable | ₹112 Cr | View |
Credit strengths (ICRA, Nov 2026)
+ Heathy revenue growth
KML reported a healthy CAGR of about 55% over the last five years, with the OI rising to Rs. 498.1 crore in FY2026 from Rs. 55.7 crore in FY2021.
Credit challenges
− Moderate financial profile
Despite significant revenue growth in the recent years, KML’s financial risk profile remains moderate, with a modest net worth of around Rs. 19 crore as on March 31, 2026.
− Exposed to Intensely competitive industry
The automobile dealership industry is highly fragmented and is characterised by stiff competition from dealerships of competing OEMs, which exerts pressure on KML’s sales volumes and margins.
Could lead to an upgrade
The ratings may be upgraded if there is sustained improvement in scale and profitability, while maintaining comfortable working capital cycle and
Could lead to a downgrade
The ratings may be downgraded if there is a significant decline in profitability, leading to deterioration in debt coverage indicators or if there is a material increase in the inventory levels thereby adversely impacting the company’s
Agency-reported financials (ICRA, 03 Nov 2026)
| Metric | FY2025 | FY2026 |
|---|---|---|
| Operating income (OI) | ₹366 Cr | ₹498 Cr |
| PAT | ₹7.10 Cr | ₹8.50 Cr |
| OPBDIT/OI | 3.4% | 3.3% |
| PAT/OI | 1.9% | 1.7% |
| Total outside liabilities/Tangible net worth (times) | 7.00× | 6.10× |
| Total debt/OPBDIT (times) | 5.90× | 6.20× |
| Interest coverage (times) | 2.60× | 2.30× |
| Revenue growth (YoY) | — | 36.0% |
| EBITDA (margin × income) | ₹12.45 Cr | ₹16.44 Cr |
| Implied total debt (debt/EBITDA × EBITDA) | ₹73.46 Cr | ₹102 Cr |
| Implied interest cost (EBITDA ÷ coverage) | ₹4.79 Cr | ₹7.15 Cr |
Borrowings & rated debt
Facility mix
Maturity ladder
Rated facilities
| Facility | Type | Previous | Current | Change | Rating | Action | Agency |
|---|---|---|---|---|---|---|---|
| Term Loan () | Term loans | ₹2.83 Cr | ₹11.8 Cr | 317.0% | — | Assigned | ICRA |
| Inventory Funding () | Other | ₹55.4 Cr | ₹100 Cr | 81.0% | — | Assigned | ICRA |
Debt instruments
| ISIN | Instrument | Type | Coupon | Issued | Maturity | Amount | Rating | Status |
|---|---|---|---|---|---|---|---|---|
| — | Term loan FY FY | Term loans | 8.65% | 31 Mar 2027 | 31 Mar 2032 | ₹11.8 Cr | BB+ | Outstanding |
Credit assessment · Manufacturing
Rating Methodology – Manufacturing Companies (Mar 2025) · Standalone accounts · FY 2025-26
Ratios, pillar scores and the indicative rating are part of Premium.
Rating status
| Default | No default on record |
| Issuer cooperation | Cooperating |
| Credit enhancement | None – standalone rating |
| Next action stable or better (model) | 42% |
| Information on file | 44% · missing: Annual results history (3+ years), Debt obligations and repayment schedule, Capex / investment plans, Auditor details, Shareholding pattern |
Indicative assessment from public data using the published methodology factors; not a credit rating.
Borrowing & funding lifecycle
- Credit outlook model: 42% chance the next rating action is stable or better
- Current rating BB+ (below investment grade)
- Interest coverage 2.3×
- Working-capital limits 86% utilised on average
Rated limits by facility
Timeline
From the report
November 03, 2026 Kamu Motors Limited: Rating upgraded; rated amount enhanced Summary of rating action Previous rated Current rated Financial Instrument* amount amount Rating action sector (Rs. crore) (Rs. crore) regulator# Long Term - Fund Based- [ICRA]BB+ (Stable); upgraded from [ICRA]BB 2.83 11.80 RBI Term Loan (Stable); assigned for enhanced amount Long Term - Fund Based- [ICRA]BB+ (Stable); upgraded from [ICRA]BB 55.35 100.20 RBI Inventory Funding (Stable); assigned for enhanced amount Long Term - Unallocated 1.82 - - RBI Total 60.00 112.00 *Instrument details are provided in Annexure I #
From the report
Liquidity position: Adequate KML’s liquidity position remains Adequate, supported by cash and bank balances of Rs. 12.7 crore as on March 31, 2026.
From the report
The average utilisation of its working capital limits was moderately high at around 86% during the 12 months ended in July 2026, with the company maintaining an average buffer of Rs. 15-20 crore.
Lender names, bank charges and audited borrowings are part of Premium.
Built from MCA charges, ICRA/CARE rating reports and audited accounts. The borrowing view is an estimate, not a lender's credit decision.
Registered office and contact
Directors and key people
Directors are read from the MGT-7 annual return and AOC-4 signatories.
Competitors of Kamu Motors
Top competitors by location
| Company | Description | Domain | Founded | Location |
|---|---|---|---|---|
 Tata Motors Passenger Vehicles |
Gears, Steering, Brakes & Systems · Auto Components, Forging & Casting | tata.cars | 1945 | Mumbai, India |
 Mahindra and Mahindra |
Manufacturing · Automobile and Tractor Manufacturing | mahindra.com | 1945 | Mumbai, India |
 Maruti Suzuki India |
Passenger Cars · Automobile Manufacturers | marutisuzuki.com | 1981 | New Delhi, India |
| Mahindra & Mahindra |
Outlets operated by Koncept Automobiles. | mahindra.com | 1945 | Mumbai, India |
 Tata Motors |
Outlets operated by Sri Lakshmi Motors. | tatamotors.com | 1945 | Mumbai, India |
 Hyundai Motor India |
Part of Hyundai Motor Company. | hyundai.com/in/en | — | Kanchee- -puram, India |
 Ashok Leyland |
Commercial Vehicles & Buses · Automobile Manufacturers | ashokleyland.com | 1948 | Chennai, India |
 Skoda Auto Volkswagen India |
Part of Volkswagen Group. | skoda-vw.co.in | 2007 | Pune, India |
 Force Motors |
Commercial Vehicles & Buses · Automobile Manufacturers | forcemotors.com | 1958 | Pune, India |
| V.s.t.motors Private Limited | Passenger Cars · Automobile Manufacturers | — | — | Chennai, Tamil Nadu, India |
Similar companies
Charges (secured borrowings)
0 registered charges. Lenders, amounts and dates are part of the premium plan.
Statutory auditors
Auditors are read from the AOC-4 auditor's report section.
Business activities and related parties
Principal business activities and related-party transactions are read from MGT-7 and AOC-4 filings.
Filings
No filings on record yet.