My Mudra Fincorp Ltd
Incorporated in 2013, My Mudra Fincorp
Ltd provides services for loans, insurance
and credit cards[1]
- Market Cap ₹ 109 Cr.
- Current Price ₹ 95.5
- High / Low ₹ 103 / 59.0
- Stock P/E 9.07
- Book Value ₹ 57.4
- Dividend Yield 0.00 %
- ROCE 26.3 %
- ROE 20.2 %
- Face Value ₹ 10.0
Pros
- Company has a good return on equity (ROE) track record: 3 Years ROE 25.7%
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 | 118 | |
| 27 | 48 | 60 | 67 | 99 | |
| Operating Profit | 1 | 6 | 11 | 14 | 19 |
| OPM % | 4.5% | 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: | 46% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 51% |
| TTM: | 33% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | 1% |
| 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 | 5 | |
| CWIP | 0 | 1 | 4 | 8 | 13 |
| 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% | 27% |
Ratios
| 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 | 111 |
| ROCE % | 54% | 54% | 31% | 26% |
Insights
In beta| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Bank & NBFC Partners count |
|
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| Unsecured Loan Revenue Share % |
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| Cumulative Loan Disbursed Rs Crore |
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| Franchisee Branches count |
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| Monthly Loan Disbursement Run Rate Rs Crore per month |
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| Owned Branches count |
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| States Presence count |
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| Digital Referral Agents count |
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Extracted by Screener AI
Documents
Announcements
-
Resignation of Director/KMP/SMP
- My Mudra Fincorp Limited has informed about Resignation of Director/KMP/SMP
-
Resignation
- Mr. Madan Sardar resigned as Whole-Time Director effective October 9, 2026, due to personal reasons.
-
General Updates
- My Mudra Fincorp received approval to integrate with BBPS/Bharat Connect for digital bill payments.
-
Analysts/Institutional Investor Meet/Con. Call Updates
- Management attended Arihant Capital analyst/institutional investor meet on September 30, 2026.
-
General Updates
- Board approved incorporation of wholly owned subsidiary My Mudra Payment Limited with ₹5 lakh capital for digital payments.
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