JMJ Fintech Ltd

JMJFIN

Watchlist

AI Mode

‌

Market Cap

₹ 28 Cr

P/E

3.35

Turned 1 L into 9.97 L in last 5 Years

‌

Investment Checklist

How to read checklist?

Performance

MARKET LEADER

Valuation

REASONABLE

Growth

EXCEPTIONAL

Profitability

HIGH MARGIN

Technicals

Bearish

Risk

MODERATE RISK

Investment Checklist

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

Price

PE Ratio

Price

‌

Overview

Detailed Summary

JMJ Fintech Limited is a Reserve Bank of India registered Non-Banking Financial Company (NBFC) known for its lending services to individual and corporate clients.

The company has shown significant improvements in financial efficiency with higher returns on equity, assets, and earnings per share, indicating strong operational and financial health.

JMJ Fintech's earnings per share have increased sixfold from FY 2023 to FY 2026, highlighting robust business performance and expansion.

The company has a strong geographical presence across India, strategically linking rural villages and semi-urban areas, unlocking a diverse consumer base and enabling market penetration.

The company's strategic focus on financial inclusion and support for SMEs adds value to its operational mandate, contributing to economic prosperity.

Sector

Finance

Industry

NBFC-Others

Market Cap

28 Cr

Volatility

Low Risk

P/E Ratio

3.4

Industry P/E

34.5

PEG Ratio

0.0

P/B Ratio

0.7

52W High

21.25

52W Low

11.02

Sales CAGR

129.89%

199.83%

51.03%

10Y

26.50%

Profit CAGR

141.59%

374.07%

—

10Y

—

ROE

TTM

16.61%

15.69%

10.56%

10Y

5.01%

ROCE

TTM

35.84%

19.68%

15.34%

10Y

9.09%

Technicals

‌

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
PURSHOTTAM	39.80	30 Cr	—	0.52	0.00	-3.89	-0.33	-2.79
EASUN	54.78	29 Cr	96.11	1.28	0.00	1.32	1.37	1.33
JMJFIN	15.15	28 Cr	3.35	0.71	1.14	16.61	35.84	8.69
KJMCFIN	58.00	28 Cr	21.60	0.18	0.00	0.83	1.60	0.71
ASHCAP	3.05	27 Cr	27.73	1.35	0.00	4.88	6.10	4.23
STANROS	68.80	27 Cr	—	0.68	0.00	-7.52	-7.39	-6.99
ACFL	—	27 Cr	13.22	0.26	0.00	1.96	2.72	1.94

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	0.78	1.48	2.14	3.07	3.69	3.75	3.59	6.11	5.08	6.31
Expenses	0.48	0.52	0.65	0.93	0.87	1.11	1.71	2.20	2.73	1.57
Interest	0.12	0.18	0.25	0.31	0.34	0.36	0.36	0.51	0.69	0.78
Financing Profit	0.18	0.78	1.24	1.83	2.48	2.28	1.52	3.40	1.66	3.96
Financing Margin %	23.08	52.70	57.94	59.61	67.21	60.80	42.34	55.65	32.68	62.76
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.18	0.04	0.05	0.07	0.07	0.06	0.07
Profit Before Tax	0.19	0.78	1.25	1.64	2.44	2.23	1.46	3.33	1.60	3.89
Tax %	0.00	41.03	17.60	71.95	25.41	25.11	30.14	80.18	28.13	23.65
Net Profit	0.19	0.46	1.03	0.46	1.82	1.67	1.02	0.66	1.14	2.97
EPS in Rs	0.05	0.12	0.27	0.12	0.47	0.44	0.26	0.17	0.30	1.41
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	2.77	3.38	3.63	2.18	1.71	0.64	3.81	7.46	17	19
Expenses	2.53	3.40	3.78	2.66	1.78	0.58	3.48	2.57	5.88	7.75
Interest	0.01	0.01	0.08	0.01	0.13	0.00	0.06	0.85	1.57	1.92
Financing Profit	0.24	-0.03	-0.23	-0.49	-0.21	0.05	0.27	4.04	9.66	8.86
Financing Margin %	8.65	-0.79	-6.27	-22.61	-12.04	8.22	7.07	54.13	56.46	47.81
Other Income	0.00	0.04	0.01	0.10	0.00	0.00	0.01	0.00	0.03	NaN
Depreciation	0.02	0.01	0.00	0.00	0.00	0.00	0.02	0.18	0.24	0.25
Profit Before Tax	0.22	0.00	-0.22	-0.39	-0.21	0.05	0.98	3.86	9.46	8.62
Tax %	349.42	-22.57	—	—	-369.70	—	644.81	224.30	220.59	47.91
Net Profit	0.16	0.03	-0.22	-0.39	-0.26	0.05	0.83	2.14	5.17	4.49
EPS in Rs	0.04	0.01	-0.06	-0.11	-0.06	0.01	0.22	0.56	1.35	2.14
Dividend Payout %	—	—	—	—	—	—	—	—	1,616.00	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	12	12	12	12	12	12	12	12	12	13
Reserves	-0.14	0.02	0.05	-0.17	-0.56	-0.82	-0.77	0.26	3.17	11
Borrowings	0.00	0.00	0.00	1.15	2.16	0.71	0.00	2.99	10	21
Other Liabilities	0.60	0.13	0.04	0.04	0.03	0.09	0.17	0.16	1.52	3.36
Total Liabilities	13	13	12	13	14	12	12	16	27	48
Fixed Assets	0.03	0.01	0.00	0.00	0.00	0.00	0.03	0.35	0.58	0.85
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	13	13	12	13	14	12	12	15	27	47
Total Assets	13	13	12	13	14	12	12	16	27	48

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-0.66	0.07	1.07	-2.33	-0.13	1.56	2.27	-2.63	-8.36	-9.33
Cash from Investing Activity	0.00	0.00	0.02	0.00	-1.00	0.00	-0.03	-0.79	-0.19	-0.52
Cash from Financing Activity	-0.02	-0.02	0.00	1.15	1.01	-1.46	-0.71	2.99	7.37	12
Net Cash Flow	-0.68	0.05	1.09	-1.18	-0.12	0.11	1.54	-0.42	-1.18	1.86

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	23.56%	23.56%	23.56%	23.56%	23.56%	23.56%	23.56%	23.56%	22.86%	14.50%	14.50%	23.27%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	76.44%	76.44%	76.44%	76.44%	76.44%	76.44%	76.44%	76.44%	77.14%	85.50%	85.50%	76.73%
Total Shareholders	3,928	3,941	3,923	4,407	4,624	4,877	4,976	5,769	5,807	5,696	6,124	7,721

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Nov 13, 2025	Deepakkum	Bulk	Buy	18.00	0.15 Cr	81,361	0.21
Aug 13, 2025	Success merchants private lim...	Bulk	Buy	15.56	0.10 Cr	65,000	0.50
Aug 13, 2025	Heena gopal pariani	Bulk	Sell	15.56	0.12 Cr	80,000	0.625
Jul 10, 2025	Success merchants private lim...	Bulk	Sell	36.79	0.24 Cr	65,000	0.50
Jul 10, 2025	Thaivalappil devassykutty shaji	Bulk	Sell	37.54	0.25 Cr	66,511	0.51
Jun 17, 2025	Ramakrishnan p	Bulk	Buy	35.06	0.35 Cr	1,00,000	0.78125
Apr 02, 2025	Pratibha d shah	Bulk	Sell	23.57	0.18 Cr	75,000	0.58
Mar 27, 2025	Pratibha d shah	Bulk	Sell	24.00	0.24 Cr	1,00,000	0.78125
Mar 25, 2025	Pratibha d shah	Bulk	Sell	24.95	0.25 Cr	1,00,000	0.78125
Aug 12, 2024	Valaparambil venugopalan nithu	Bulk	Sell	25.05	0.16 Cr	64,003	0.50

Projection

Actions

Action Type

‌
‌

Announcements

Last 7 days

Newest

Sentiment

Sorry, no results found!

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q4 FY25

AI Mode

Get instant AI-powered insights about company performance, financials, and strategy. Ask questions about trends, competition, and developments while receiving responses backed by official documents and market data, with clear attribution to source documents.

AI Mode

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	0.78	1.48	2.14	3.07	3.69	3.75	3.59	6.11	5.08	6.31
Expenses	0.48	0.52	0.65	0.93	0.87	1.11	1.71	2.20	2.73	1.57
Interest	0.12	0.18	0.25	0.31	0.34	0.36	0.36	0.51	0.69	0.78
Financing Profit	0.18	0.78	1.24	1.83	2.48	2.28	1.52	3.40	1.66	3.96
Financing Margin %	23.08	52.70	57.94	59.61	67.21	60.80	42.34	55.65	32.68	62.76
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.18	0.04	0.05	0.07	0.07	0.06	0.07
Profit Before Tax	0.19	0.78	1.25	1.64	2.44	2.23	1.46	3.33	1.60	3.89
Tax %	0.00	41.03	17.60	71.95	25.41	25.11	30.14	80.18	28.13	23.65
Net Profit	0.19	0.46	1.03	0.46	1.82	1.67	1.02	0.66	1.14	2.97
EPS in Rs	0.05	0.12	0.27	0.12	0.47	0.44	0.26	0.17	0.30	1.41
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	2.77	3.38	3.63	2.18	1.71	0.64	3.81	7.46	17	19
Expenses	2.53	3.40	3.78	2.66	1.78	0.58	3.48	2.57	5.88	7.75
Interest	0.01	0.01	0.08	0.01	0.13	0.00	0.06	0.85	1.57	1.92
Financing Profit	0.24	-0.03	-0.23	-0.49	-0.21	0.05	0.27	4.04	9.66	8.86
Financing Margin %	8.65	-0.79	-6.27	-22.61	-12.04	8.22	7.07	54.13	56.46	47.81
Other Income	0.00	0.04	0.01	0.10	0.00	0.00	0.01	0.00	0.03	NaN
Depreciation	0.02	0.01	0.00	0.00	0.00	0.00	0.02	0.18	0.24	0.25
Profit Before Tax	0.22	0.00	-0.22	-0.39	-0.21	0.05	0.98	3.86	9.46	8.62
Tax %	349.42	-22.57	—	—	-369.70	—	644.81	224.30	220.59	47.91
Net Profit	0.16	0.03	-0.22	-0.39	-0.26	0.05	0.83	2.14	5.17	4.49
EPS in Rs	0.04	0.01	-0.06	-0.11	-0.06	0.01	0.22	0.56	1.35	2.14
Dividend Payout %	—	—	—	—	—	—	—	—	1,616.00	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	12	12	12	12	12	12	12	12	12	13
Reserves	-0.14	0.02	0.05	-0.17	-0.56	-0.82	-0.77	0.26	3.17	11
Borrowings	0.00	0.00	0.00	1.15	2.16	0.71	0.00	2.99	10	21
Other Liabilities	0.60	0.13	0.04	0.04	0.03	0.09	0.17	0.16	1.52	3.36
Total Liabilities	13	13	12	13	14	12	12	16	27	48
Fixed Assets	0.03	0.01	0.00	0.00	0.00	0.00	0.03	0.35	0.58	0.85
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	13	13	12	13	14	12	12	15	27	47
Total Assets	13	13	12	13	14	12	12	16	27	48

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-0.66	0.07	1.07	-2.33	-0.13	1.56	2.27	-2.63	-8.36	-9.33
Cash from Investing Activity	0.00	0.00	0.02	0.00	-1.00	0.00	-0.03	-0.79	-0.19	-0.52
Cash from Financing Activity	-0.02	-0.02	0.00	1.15	1.01	-1.46	-0.71	2.99	7.37	12
Net Cash Flow	-0.68	0.05	1.09	-1.18	-0.12	0.11	1.54	-0.42	-1.18	1.86

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
PURSHOTTAM	39.80	30 Cr	—	0.52	0.00	-3.89	-0.33	-2.79
EASUN	54.78	29 Cr	96.11	1.28	0.00	1.32	1.37	1.33
JMJFIN	15.15	28 Cr	3.35	0.71	1.14	16.61	35.84	8.69
KJMCFIN	58.00	28 Cr	21.60	0.18	0.00	0.83	1.60	0.71
ASHCAP	3.05	27 Cr	27.73	1.35	0.00	4.88	6.10	4.23
STANROS	68.80	27 Cr	—	0.68	0.00	-7.52	-7.39	-6.99
ACFL	—	27 Cr	13.22	0.26	0.00	1.96	2.72	1.94

Overview

Detailed Summary

JMJ Fintech Limited is a Reserve Bank of India registered Non-Banking Financial Company (NBFC) known for its lending services to individual and corporate clients.

The company has shown significant improvements in financial efficiency with higher returns on equity, assets, and earnings per share, indicating strong operational and financial health.

JMJ Fintech's earnings per share have increased sixfold from FY 2023 to FY 2026, highlighting robust business performance and expansion.

The company has a strong geographical presence across India, strategically linking rural villages and semi-urban areas, unlocking a diverse consumer base and enabling market penetration.

The company's strategic focus on financial inclusion and support for SMEs adds value to its operational mandate, contributing to economic prosperity.

Sector

Finance

Industry

NBFC-Others

Market Cap

28 Cr

Volatility

Low Risk

P/E Ratio

3.4

Industry P/E

34.5

PEG Ratio

0.0

P/B Ratio

0.7

52W High

21.25

52W Low

11.02

Sales CAGR

129.89%

199.83%

51.03%

10Y

26.50%

Profit CAGR

141.59%

374.07%

—

10Y

—

ROE

TTM

16.61%

15.69%

10.56%

10Y

5.01%

ROCE

TTM

35.84%

19.68%

15.34%

10Y

9.09%

Jmj Fintech Ltd

JMJ Fintech Ltd

JMJFIN

AI Mode

Investment Checklist

Investment Checklist

Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

52W High

52W Low

Technicals

Forecasts

Peers

Price Chart Comparison

Financial Statements

AI Powered Summary

AI Mode

Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Market Transactions

Projection

Actions

Announcements

Documents

AI Mode

AI Mode

Technicals

Financial Statements

AI Powered Summary

AI Mode

Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Oscillators

Neutral

Overall

Bearish

Moving Averages

Bearish

Overall

Bearish

Peers

Price Chart Comparison

Announcements

Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

52W High

52W Low

Investment Checklist