ProCredit Holding AG & Co. KGaA
ProCredit Holding AG & Co. KGaA (XETRA: PCZ) is trading at €8.85, about ₹964 at today's EUR/INR rate, as of 30 Sep 2026, 7:50 AM ET, down 1.56% today. Indian residents can buy ProCredit Holding AG & Co. KGaA from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
€8.85
Today's high
€9.03
52 week low
€6.90
52 week high
€9.58
PCZ opened at €9.00, closed previously at €8.99, and has traded between €6.90 and €9.58 over the past 52 weeks.
About
ProCredit Holding AG & Co. KGaA, along with its group entities, delivers a full spectrum of commercial banking solutions, catering to both small and medium-sized businesses (SMEs) and individual clients. Its operations span across Europe, South America, and its home country of Germany. The institution provides diverse financial products, encompassing business loans for various sectors like wholesale and retail trade, agriculture, forestry, fishing, manufacturing, transportation, storage, and other industries. These business financing options include capital for investments, working capital needs, and environmentally friendly "green" initiatives. For private individuals, ProCredit extends personal credit, including housing and investment loans, among other consumer finance solutions. Beyond lending, the bank manages various deposit accounts (current, savings, and time deposits), offers modern digital and mobile banking platforms, facilitates card payment services, and provides flexible credit facilities such as lines of credit and overdrafts. Established in 1998 in Frankfurt am Main, Germany, the company originally operated as Internationale Micro Investitionen AG before adopting its current name.
Key statistics
Avg. volume
42.26K
Market cap
€521.25M
P/E Ratio
6.91
Price-to-sales ratio
1.03
Enterprise value
-€348.48M
Free cash flow yield
-28.39%
Debt-to-equity ratio
1.28
Return on equity
7.77%
ROIC
0.72%
Beta
1.37
Dividend yield
5.31%
Last dividend
€0.47
Financial overview
Revenue
€750.83M
Earnings per share
€1.42
Free cash flow
-€141.13M
Net profit margin
14.78%
Gross margin
46.75%
EBITDA
€130.32M
Revenue growth
8.49%
Similar securities
This is not an investment recommendation
How to buy ProCredit Holding AG & Co. KGaA from India
Indian residents can buy ProCredit Holding AG & Co. KGaA shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars and then to EUR.
Search for ProCredit Holding AG & Co. KGaA and place an order
Find ProCredit Holding AG & Co. KGaA by name or by its ticker, PCZ, and choose an order type. ProCredit Holding AG & Co. KGaA trades 12:30 pm – 9:00 pm IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your ProCredit Holding AG & Co. KGaA position in EUR and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in ProCredit Holding AG & Co. KGaA from India
Trading and taxes when buying ProCredit Holding AG & Co. KGaA from India
Trading and limits
- Trading hours
- 9:00 am – 5:30 pm CET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. ProCredit Holding AG & Co. KGaA’s current yield is 5.31%.Dividend tax explained
Custody. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
FAQs
Can Indian residents buy ProCredit Holding AG & Co. KGaA stock?
Yes. ProCredit Holding AG & Co. KGaA (PCZ) has been listed on XETRA since 2016, in the Banks - Diversified industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars and then to EUR. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
How much does one ProCredit Holding AG & Co. KGaA share cost in rupees?
One ProCredit Holding AG & Co. KGaA share is €8.85 — about ₹964 at an EUR/INR rate of 108.91 on 29 Sep 2026. Both the ProCredit Holding AG & Co. KGaA price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying ProCredit Holding AG & Co. KGaA from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
How are gains on ProCredit Holding AG & Co. KGaA shares taxed in India?
Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the EUR/INR rate on the purchase and the sale date, so the rupee move counts alongside the ProCredit Holding AG & Co. KGaA price. Paasa issues a capital-gains statement for your return.
Does ProCredit Holding AG & Co. KGaA pay a dividend, and how is it taxed in India?
Yes. ProCredit Holding AG & Co. KGaA pays a dividend and the current yield is 5.31%; the last declared dividend was €0.47 per share, about ₹51.19. Dividends are taxed at your slab rate in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade ProCredit Holding AG & Co. KGaA from India?
XETRA trades 12:30 pm – 9:00 pm IST in Indian time. The window shifts to 1:30 pm – 10:00 pm IST when Germany is on standard time. Orders can only execute during that window.
Do I have to declare ProCredit Holding AG & Co. KGaA shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your ProCredit Holding AG & Co. KGaA holding, its cost and its closing value.
How do I sell ProCredit Holding AG & Co. KGaA and bring the money back to India?
You sell during market hours (12:30 pm – 9:00 pm IST) and the proceeds settle in EUR in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.
Does the rupee rate affect what I make on ProCredit Holding AG & Co. KGaA?
Yes. ProCredit Holding AG & Co. KGaA is priced in EUR, so your rupee outcome combines the EUR move with the EUR/INR move between the day you remit and the day you convert back. Both directions are reflected in the capital-gains statement Paasa issues.