Mangal Credit & Fincorp Ltd

MANCREDIT

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Market Cap

₹ 359 Cr

P/E

29.17

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

OVERVALUED

Growth

STABLE

Profitability

MODERATE MARGIN

Technicals

Bearish

Risk

LOW RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Mangal Credit & Fincorp Ltd is a non-banking financial company based in Mumbai, Maharashtra, providing various loans to a diverse customer base.

Originally, the company had a rich history of technical collaborations for manufacturing electric hoists and conveyor systems, showcasing its industrial legacy.

The company in recent years has pivoted fully to financial services, focusing on non-banking financial products and loan offerings.

Significant changes include a major bonus and preferential equity issues to fund debt repayment and expansionary measures in 2015-16.

Mangal Credit & Fincorp has dissolved multiple subsidiary businesses, refining its focus exclusively on its core financial operations.

Sector

Finance

Industry

NBFC-Others

Market Cap

359 Cr

Volatility

Low Risk

P/E Ratio

29.2

Industry P/E

34.5

PEG Ratio

1.0

P/B Ratio

2.3

52W High

219.30

52W Low

143.60

Sales CAGR

-8.76%

50.25%

41.10%

10Y

25.02%

Profit CAGR

-19.77%

29.04%

3.95%

10Y

31.69%

ROE

TTM

7.64%

8.30%

7.40%

10Y

7.01%

ROCE

TTM

9.15%

10.76%

10.12%

10Y

10.27%

Technicals

‌

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
MKVENTURES	1039.00	408 Cr	51.73	3.69	0.12	7.12	11.55	6.73
IITL	166.10	383 Cr	—	0.85	0.00	-1.27	-1.40	-1.03
CTL	28.22	363 Cr	52.28	4.87	0.00	9.33	9.18	3.08
BOMOXY-B1	24002.00	360 Cr	—	0.70	0.15	-1.70	-2.08	-1.61
MANCREDIT	170.05	359 Cr	29.17	2.27	0.41	7.64	9.15	2.68
SAHLIBHFI	99.95	309 Cr	16.71	1.89	0.10	11.33	13.59	8.92
SHRIYAMSEC	36.00	307 Cr	—	0.42	0.00	-10.57	-8.85	-8.29

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2013	Jun 2018	Sep 2018	Dec 2018	Jun 2019	Sep 2019	Dec 2019
Revenue	1.48	24	7.35	14	12	5.55	8.84
Expenses	-0.49	19	15	3.80	8.44	4.57	4.00
Interest	0.83	2.17	2.42	1.88	1.74	1.65	1.53
Financing Profit	1.14	2.94	-11	8.57	2.16	-0.67	3.31
Financing Margin %	77.03	12.14	-142.86	60.14	17.50	-12.07	37.44
Other Income	0.01	1.39	2.31	1.42	1.10	1.27	0.93
Depreciation	0.03	0.33	1.80	1.86	1.71	1.79	1.91
Profit Before Tax	0.29	4.00	-10	8.13	1.54	-1.19	2.33
Tax %	0.00	30.50	-3.90	4.92	33.77	-50.42	15.88
Net Profit	0.29	2.78	-10	7.93	1.03	-1.92	1.96
EPS in Rs	—	13.17	-49.21	3.66	0.48	-0.91	0.92
Gross NPA %	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

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	TTM
Revenue	2.77	3.72	215	238	143	79	110	99	41
Expenses	1.23	1.84	200	213	126	61	91	79	21
Interest	0.32	1.41	12	19	13	6.67	7.89	9.16	6.80
Financing Profit	1.22	0.48	2.34	6.25	4.69	12	12	11	13
Financing Margin %	43.92	12.83	1.09	2.63	3.27	15.06	10.48	11.00	32.63
Other Income	0.05	0.79	3.37	3.43	5.79	4.61	6.14	6.14	4.72
Depreciation	0.01	0.10	1.64	5.67	7.13	9.16	5.65	6.58	7.27
Profit Before Tax	1.26	1.17	4.07	4.00	3.35	7.38	12	10	11
Tax %	21.46	19.93	24.76	32.97	43.08	36.98	21.89	27.97	16.74
Net Profit	0.99	0.93	3.04	2.68	1.91	4.65	9.41	7.55	9.00
EPS in Rs	—	—	—	—	—	—	—	—	4.16
Dividend Payout %	17.84	15.07	9.08	3.59	0.00	131.58	1.07	13.48	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Equity Capital	0.71	0.71	1.41	1.41	16	16	19	19
Reserves	14	15	31	32	51	56	72	74
Borrowings	0.00	21	187	162	66	70	65	70
Other Liabilities	2.05	3.06	83	71	66	78	73	42
Total Liabilities	16	40	303	267	199	221	229	205
Fixed Assets	0.10	0.60	24	21	22	27	26	22
CWIP	0.00	0.00	0.17	0.00	0.00	0.00	0.37	6.94
Investments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	16	40	279	246	176	194	203	176
Total Assets	16	40	303	267	199	221	229	205

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Cash from Operating Activity	-10	2.54	-118	6.87	44	-7.04	31	1.28
Cash from Investing Activity	8.83	-0.42	-61	26	-30	-12	-30	-1.40
Cash from Financing Activity	-0.14	-0.18	180	-27	-17	19	0.64	12
Net Cash Flow	-1.31	1.94	1.39	5.49	-3.87	0.01	1.77	12

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Aug 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Aug 2025	Sep 2025
Promoters	55.43%	55.46%	50.65%	51.61%	51.71%	51.71%	51.71%	51.71%	51.71%	51.71%	55.25%	55.25%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.09%	0.00%	0.15%	0.20%	0.01%
DIIs	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Public	44.56%	44.53%	49.34%	48.38%	48.29%	48.29%	48.28%	48.20%	48.29%	48.14%	44.54%	44.73%
Total Shareholders	4,293	4,401	4,267	4,453	4,503	4,341	4,676	3,491	3,472	3,423	3,397	3,402

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Aug 19, 2025	Hardik jain	Insider - Promoter	Acquisition	110.00	17.05 Cr	15,50,000	7.92
Feb 23, 2024	Hardik meghraj jain	Insider - Promoter & Director	Acquisition	110.00	2.75 Cr	2,50,000	1.29
Feb 23, 2023	Hansraj commosales llp	Bulk	Buy	113.07	1.13 Cr	99,997	0.51
Feb 23, 2023	Hansraj commosales llp	Bulk	Sell	112.93	1.14 Cr	1,00,662	0.51
Feb 23, 2023	Rennaisance venturecapital	Bulk	Sell	113.08	1.13 Cr	1,00,194	0.51

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q1 FY22

Investor Presentation

Q4 FY21

Investor Presentation

Q3 FY21

Investor Presentation

Q2 FY21

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Q1 FY21

Investor Presentation

Q3 FY20

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Q2 FY20

Investor Presentation

Q4 FY19

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Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
MKVENTURES	1039.00	408 Cr	51.73	3.69	0.12	7.12	11.55	6.73
IITL	166.10	383 Cr	—	0.85	0.00	-1.27	-1.40	-1.03
CTL	28.22	363 Cr	52.28	4.87	0.00	9.33	9.18	3.08
BOMOXY-B1	24002.00	360 Cr	—	0.70	0.15	-1.70	-2.08	-1.61
MANCREDIT	170.05	359 Cr	29.17	2.27	0.41	7.64	9.15	2.68
SAHLIBHFI	99.95	309 Cr	16.71	1.89	0.10	11.33	13.59	8.92
SHRIYAMSEC	36.00	307 Cr	—	0.42	0.00	-10.57	-8.85	-8.29

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

Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2013	Jun 2018	Sep 2018	Dec 2018	Jun 2019	Sep 2019	Dec 2019
Revenue	1.48	24	7.35	14	12	5.55	8.84
Expenses	-0.49	19	15	3.80	8.44	4.57	4.00
Interest	0.83	2.17	2.42	1.88	1.74	1.65	1.53
Financing Profit	1.14	2.94	-11	8.57	2.16	-0.67	3.31
Financing Margin %	77.03	12.14	-142.86	60.14	17.50	-12.07	37.44
Other Income	0.01	1.39	2.31	1.42	1.10	1.27	0.93
Depreciation	0.03	0.33	1.80	1.86	1.71	1.79	1.91
Profit Before Tax	0.29	4.00	-10	8.13	1.54	-1.19	2.33
Tax %	0.00	30.50	-3.90	4.92	33.77	-50.42	15.88
Net Profit	0.29	2.78	-10	7.93	1.03	-1.92	1.96
EPS in Rs	—	13.17	-49.21	3.66	0.48	-0.91	0.92
Gross NPA %	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

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	TTM
Revenue	2.77	3.72	215	238	143	79	110	99	41
Expenses	1.23	1.84	200	213	126	61	91	79	21
Interest	0.32	1.41	12	19	13	6.67	7.89	9.16	6.80
Financing Profit	1.22	0.48	2.34	6.25	4.69	12	12	11	13
Financing Margin %	43.92	12.83	1.09	2.63	3.27	15.06	10.48	11.00	32.63
Other Income	0.05	0.79	3.37	3.43	5.79	4.61	6.14	6.14	4.72
Depreciation	0.01	0.10	1.64	5.67	7.13	9.16	5.65	6.58	7.27
Profit Before Tax	1.26	1.17	4.07	4.00	3.35	7.38	12	10	11
Tax %	21.46	19.93	24.76	32.97	43.08	36.98	21.89	27.97	16.74
Net Profit	0.99	0.93	3.04	2.68	1.91	4.65	9.41	7.55	9.00
EPS in Rs	—	—	—	—	—	—	—	—	4.16
Dividend Payout %	17.84	15.07	9.08	3.59	0.00	131.58	1.07	13.48	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Equity Capital	0.71	0.71	1.41	1.41	16	16	19	19
Reserves	14	15	31	32	51	56	72	74
Borrowings	0.00	21	187	162	66	70	65	70
Other Liabilities	2.05	3.06	83	71	66	78	73	42
Total Liabilities	16	40	303	267	199	221	229	205
Fixed Assets	0.10	0.60	24	21	22	27	26	22
CWIP	0.00	0.00	0.17	0.00	0.00	0.00	0.37	6.94
Investments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	16	40	279	246	176	194	203	176
Total Assets	16	40	303	267	199	221	229	205

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Cash from Operating Activity	-10	2.54	-118	6.87	44	-7.04	31	1.28
Cash from Investing Activity	8.83	-0.42	-61	26	-30	-12	-30	-1.40
Cash from Financing Activity	-0.14	-0.18	180	-27	-17	19	0.64	12
Net Cash Flow	-1.31	1.94	1.39	5.49	-3.87	0.01	1.77	12

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Overview

Detailed Summary

Mangal Credit & Fincorp Ltd is a non-banking financial company based in Mumbai, Maharashtra, providing various loans to a diverse customer base.

Originally, the company had a rich history of technical collaborations for manufacturing electric hoists and conveyor systems, showcasing its industrial legacy.

The company in recent years has pivoted fully to financial services, focusing on non-banking financial products and loan offerings.

Significant changes include a major bonus and preferential equity issues to fund debt repayment and expansionary measures in 2015-16.

Mangal Credit & Fincorp has dissolved multiple subsidiary businesses, refining its focus exclusively on its core financial operations.

Sector

Finance

Industry

NBFC-Others

Market Cap

359 Cr

Volatility

Low Risk

P/E Ratio

29.2

Industry P/E

34.5

PEG Ratio

1.0

P/B Ratio

2.3

52W High

219.30

52W Low

143.60

Sales CAGR

-8.76%

50.25%

41.10%

10Y

25.02%

Profit CAGR

-19.77%

29.04%

3.95%

10Y

31.69%

ROE

TTM

7.64%

8.30%

7.40%

10Y

7.01%

ROCE

TTM

9.15%

10.76%

10.12%

10Y

10.27%