Money Masters Leasing & Finance Ltd

MMLF

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Market Cap

₹ 9 Cr

P/E

30.00

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

OVERVALUED

Growth

STABLE

Profitability

MODERATE MARGIN

Technicals

Bearish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Money Masters Leasing & Finance Limited is engaged in hire-purchase finance, focusing primarily on asset financing.

The company ranks among top NBFCs in India, with a diversified lending portfolio across retail, SMEs, and commercial customers.

80% of the company's revenue is derived from the hire-purchase and leasing business, making it a vital revenue stream.

Money Masters has a significant presence in both urban and rural areas, catering primarily to small and medium business enterprises.

The company stopped accepting public deposits in 2011, shifting focus to providing finance for machinery and vehicles.

Sector

Finance

Industry

Finance - Equipment - Leasing & Maintenance

Market Cap

9 Cr

Volatility

Low Risk

P/E Ratio

30.0

Industry P/E

30.0

PEG Ratio

4.2

P/B Ratio

0.7

52W High

9.18

52W Low

0.85

Sales CAGR

3.38%

-1.64%

-2.50%

10Y

-1.16%

Profit CAGR

—

7.17%

1.32%

10Y

5.73%

ROE

TTM

2.21%

3.34%

3.25%

10Y

3.12%

ROCE

TTM

1.22%

5.01%

5.24%

10Y

6.17%

Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
GALADAFIN	30.72	9 Cr	31.03	1.56	0.00	5.03	7.39	1.84
LIBORD	18.18	9 Cr	—	2.38	0.00	-24.99	-27.84	-24.94
MMLF	0.90	9 Cr	30.00	0.69	0.00	2.21	1.22	1.13
NYSSACORP	3.07	9 Cr	—	0.29	0.00	-5.76	-7.51	-4.82
AVONMERC	—	9 Cr	25.00	1.63	0.00	6.60	7.98	0.89
PASUFIN	18.95	9 Cr	—	0.00	0.00	26.55	2305.88	-117.65
TIAANC	8.58	9 Cr	—	1.27	0.00	-0.10	-0.00	-0.00

Financial Statements

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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	0.39	0.58	0.26	0.84	0.50	0.74	0.32	0.57	0.32	0.23
Expenses	0.26	0.37	0.21	0.54	0.34	0.50	0.25	0.36	0.21	0.27
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Financing Profit	0.13	0.21	0.05	0.30	0.16	0.24	0.07	0.21	0.11	-0.04
Financing Margin %	33.33	36.21	19.23	35.71	32.00	32.43	21.88	36.84	34.38	-17.39
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	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	0.13	0.20	0.05	0.30	0.16	0.25	0.07	0.21	0.11	-0.05
Tax %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	0.13	0.20	0.05	0.30	0.16	0.25	0.07	0.21	0.11	-0.05
EPS in Rs	—	0.05	0.03	0.03	0.02	0.33	0.01	0.05	0.01	0.01
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	2.15	2.27	2.63	2.43	2.16	2.25	2.27	2.07	2.14	1.95
Expenses	0.74	0.89	1.09	0.99	0.87	0.94	0.80	0.66	0.88	1.32
Interest	0.99	0.96	1.03	0.90	0.78	0.84	0.84	0.72	0.56	0.00
Financing Profit	0.42	0.42	0.51	0.54	0.50	0.47	0.62	0.70	0.70	0.63
Financing Margin %	19.47	18.48	19.28	22.22	23.38	20.90	27.51	33.55	32.63	32.31
Other Income	0.08	0.07	0.02	0.15	0.10	0.14	0.07	0.00	0.00	NaN
Depreciation	0.05	0.04	0.03	0.02	0.02	0.02	0.01	0.01	0.01	0.00
Profit Before Tax	0.45	0.45	0.49	0.66	0.59	0.59	0.68	0.69	0.69	0.64
Tax %	384.32	368.72	395.01	358.91	345.07	337.66	357.13	384.50	384.39	0.00
Net Profit	0.33	0.33	0.37	0.48	0.42	0.42	0.49	0.51	0.51	0.64
EPS in Rs	—	—	—	—	—	—	—	0.45	0.41	0.08
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

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	4.67	4.67	5.84	10	10	10	10	10	10	10
Reserves	2.45	1.95	2.59	0.87	1.17	1.42	1.81	2.25	2.71	3.10
Borrowings	3.71	8.99	9.50	8.87	9.18	10	12	12	13	13
Other Liabilities	8.87	4.97	5.73	2.37	2.28	2.51	2.52	2.97	4.09	4.15
Total Liabilities	20	21	24	22	23	24	26	27	29	30
Fixed Assets	0.16	0.15	0.11	0.09	0.07	0.08	0.06	0.05	0.04	0.03
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	20	20	24	22	23	24	26	27	29	30
Total Assets	20	21	24	22	23	24	26	27	29	30

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	0.26	-4.55	0.20	0.62	0.61	0.66	0.70	1.18	0.63	0.59
Cash from Investing Activity	0.15	-0.43	-2.72	0.08	-0.76	-1.51	-2.37	-0.42	-2.46	-0.81
Cash from Financing Activity	-0.79	5.29	2.63	-1.61	0.05	0.97	1.48	-0.55	2.00	0.10
Net Cash Flow	-0.38	0.31	0.11	-0.91	-0.10	0.12	-0.18	0.21	0.16	-0.12

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Sep 2022	Dec 2022	Mar 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	34.65%	34.65%	34.65%	34.65%	34.65%	34.65%	34.65%	34.65%	34.65%	34.65%	34.65%	34.65%
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	65.35%	65.35%	65.35%	65.35%	65.35%	65.35%	65.35%	65.35%	65.35%	65.35%	65.35%	65.35%
Total Shareholders	166	164	155	189	198	255	1,060	4,967	5,016	5,548	6,464	7,028

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Nov 12, 2025	Vishnu b sharma	Bulk	Buy	1.14	0.06 Cr	5,15,133	0.51
Nov 12, 2025	Vishnu b sharma	Bulk	Sell	1.07	0.03 Cr	3,00,000	0.29
Nov 11, 2025	Sonal anil vichare	Bulk	Sell	1.10	0.08 Cr	7,60,230	0.75
Aug 12, 2025	Alnasir abdul aziz gilani	Bulk	Sell	1.65	0.16 Cr	9,68,815	0.96
Jul 18, 2025	Sonal anil vichare	Bulk	Sell	1.75	0.18 Cr	10,26,037	1.02
Jul 17, 2025	Karuna kishor kadam	Bulk	Buy	1.71	0.01 Cr	37,172	0.03
Jul 17, 2025	Karuna kishor kadam	Bulk	Sell	1.71	0.15 Cr	8,72,172	0.86
Jul 16, 2025	Karuna kishor kadam	Bulk	Buy	1.51	0.01 Cr	35,886	0.03
Jul 16, 2025	Karuna kishor kadam	Bulk	Sell	1.61	0.09 Cr	5,35,886	0.53
Jul 15, 2025	Karuna kishor kadam	Bulk	Sell	1.54	0.15 Cr	10,00,005	0.99

Projection

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Overview

Detailed Summary

Money Masters Leasing & Finance Limited is engaged in hire-purchase finance, focusing primarily on asset financing.

The company ranks among top NBFCs in India, with a diversified lending portfolio across retail, SMEs, and commercial customers.

80% of the company's revenue is derived from the hire-purchase and leasing business, making it a vital revenue stream.

Money Masters has a significant presence in both urban and rural areas, catering primarily to small and medium business enterprises.

The company stopped accepting public deposits in 2011, shifting focus to providing finance for machinery and vehicles.

Sector

Finance

Industry

Finance - Equipment - Leasing & Maintenance

Market Cap

9 Cr

Volatility

Low Risk

P/E Ratio

30.0

Industry P/E

30.0

PEG Ratio

4.2

P/B Ratio

0.7

52W High

9.18

52W Low

0.85

Sales CAGR

3.38%

-1.64%

-2.50%

10Y

-1.16%

Profit CAGR

—

7.17%

1.32%

10Y

5.73%

ROE

TTM

2.21%

3.34%

3.25%

10Y

3.12%

ROCE

TTM

1.22%

5.01%

5.24%

10Y

6.17%