My Mudra Fincorp Ltd
Incorporated in 2013, My Mudra Fincorp
Ltd provides services for loans, insurance
and credit cards[1]
- Market Cap ₹ 87.2 Cr.
- Current Price ₹ 76.5
- High / Low ₹ 119 / 60.0
- Stock P/E 7.26
- Book Value ₹ 57.4
- Dividend Yield 0.00 %
- ROCE 26.2 %
- ROE 20.2 %
- Face Value ₹ 10.0
Pros
- Company has a good return on equity (ROE) track record: 3 Years ROE 25.7%
- Company's working capital requirements have reduced from 75.5 days to 46.7 days
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Finance Other Financial Services
Part of Nifty SME Emerge
Half Yearly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| 28 | 54 | 71 | 81 | 117 | |
| 27 | 48 | 60 | 67 | 99 | |
| Operating Profit | 1 | 6 | 11 | 14 | 19 |
| OPM % | 4% | 11% | 15% | 17% | 16% |
| 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 1 | 1 | 1 | 1 |
| Depreciation | 0 | 0 | 1 | 1 | 2 |
| Profit before tax | 1 | 5 | 9 | 12 | 16 |
| Tax % | 33% | 29% | 30% | 26% | 25% |
| 0 | 3 | 6 | 9 | 12 | |
| EPS in Rs | 439.25 | 2,940.68 | 5,449.15 | 7.91 | 10.53 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 30% |
| TTM: | 45% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 51% |
| TTM: | 33% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | 4% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 27% |
| 3 Years: | 26% |
| Last Year: | 20% |
Balance Sheet
Figures in Rs. Crores
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Equity Capital | 0.01 | 0.01 | 0.01 | 11 | 11 |
| Reserves | 4 | 8 | 16 | 42 | 54 |
| 3 | 4 | 10 | 4 | 11 | |
| 2 | 3 | 4 | 5 | 7 | |
| Total Liabilities | 9 | 15 | 30 | 61 | 84 |
| 1 | 1 | 2 | 4 | 18 | |
| CWIP | 0 | 1 | 4 | 8 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 |
| 8 | 12 | 24 | 50 | 66 | |
| Total Assets | 9 | 15 | 30 | 61 | 84 |
Cash Flows
Figures in Rs. Crores
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| -0 | 1 | 1 | 2 | 2 | |
| -0 | -1 | -4 | -8 | -11 | |
| 0 | 0 | 5 | 21 | 6 | |
| Net Cash Flow | 0 | 0 | 1 | 15 | -2 |
| Free Cash Flow | -1 | -0 | -3 | -4 | -6 |
| CFO/OP | 21% | 29% | 20% | 37% | 28% |
Ratios
Figures in Rs. Crores
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Debtor Days | 48 | 47 | 65 | 86 | 65 |
| Inventory Days | |||||
| Days Payable | |||||
| Cash Conversion Cycle | 48 | 47 | 65 | 86 | 65 |
| Working Capital Days | 51 | 48 | 75 | 104 | 47 |
| ROCE % | 54% | 54% | 31% | 26% |
Insights
In beta| Mar 2024 | Mar 2025 | |
|---|---|---|
| Bank & NBFC Partners count |
|
|
| Cumulative Loan Disbursed Rs Crore |
||
| Customers Served count |
||
| Franchisee Branches count |
||
| Monthly Loan Disbursement Run Rate Rs Crore per month |
||
| Owned Branches count |
||
| States Presence count |
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| Unsecured Loan Revenue Share % |
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Extracted by Screener AI
Documents
Announcements
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General Updates
14 July 2026 - Promoter Nisha Kulshrestha’s inadvertent 12,83,200-share excess transfer is being rectified; June 2 disclosure corrected.
-
Certificate under SEBI (Depositories and Participants) Regulations, 2018
6 July 2026 - Submitted Regulation 74(5) certificate for quarter ended June 30, 2026.
-
General Updates
29 June 2026 - My Mudra Fincorp empanelled as authorized distributor of Nippon India Mutual Fund.
-
Disclosure under SEBI Takeover Regulations
19 June 2026 - My Mudra Fincorp Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the SEBI (Substantial Acquisition of Shares and Takeovers) …
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General Updates
18 June 2026 - Promoter created pledge on 21,00,000 shares on June 18, 2026, securing ₹4 crore borrowings.
Annual reports
Concalls
-
Nov 2024Transcript PPT
Business Overview:[1]
MMFL specializes in distribution and sales of a diverse range of Financial Products like Loans (secured & unsecured), Insurance and Credit Cards. Currently, the company has 9 owned branches and 154 franchisees in 15+ states. It is a Corporate DSA for 90+ banks and NBFCs in India