My Mudra Fincorp Ltd

MYMUDRA

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Market Cap

₹ 96 Cr

P/E

10.61

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Investment Checklist

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Performance

UNDER PERFORMER

Valuation

REASONABLE

Growth

EXCEPTIONAL

Profitability

HIGH MARGIN

Technicals

Bearish

Risk

HIGH RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

My Mudra Fincorp Limited operates as a Direct Selling Agent (DSA) for major banks and NBFCs in India, focusing on the distribution of both secured and unsecured loans and credit products.

The company has expanded its offerings to include insurance products, adding a new revenue stream through commissions earned from insurer partners.

By leveraging a mix of tele-calling, advertising, and a 'physital' approach, the company optimizes customer acquisition across various financial products.

My Mudra Fincorp Limited is preparing for an Initial Public Offering (IPO) to raise capital by issuing 3,024,000 equity shares.

The company emphasizes customer choice by enabling research and comparison of financial products, thus facilitating informed lending and insurance decisions.

Sector

Finance

Industry

Finance - Small

Market Cap

96 Cr

Volatility

Low Risk

P/E Ratio

10.6

Industry P/E

20.4

PEG Ratio

0.1

P/B Ratio

1.8

52W High

119.10

52W Low

51.60

Sales CAGR

13.40%

41.47%

—

10Y

—

Profit CAGR

40.12%

167.90%

—

10Y

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ROE

TTM

19.59%

24.15%

—

10Y

—

ROCE

TTM

22.78%

33.77%

—

10Y

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Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
PIONRINV	99.09	122 Cr	9.53	0.74	0.00	7.78	12.64	3.44
FOCUS	142.00	103 Cr	139.22	14.15	0.04	14.52	19.31	13.70
MYMUDRA	83.90	96 Cr	10.61	1.79	0.00	19.59	22.78	14.75
CHRTEDCA	279.00	84 Cr	12.53	0.48	0.00	3.83	4.98	3.74
SIELFNS	54.16	61 Cr	—	0.00	0.00	9.04	-50.88	-60.44
SMIFS	101.05	60 Cr	21.16	0.38	0.00	1.81	2.75	1.68
HYBRIDFIN	19.89	59 Cr	17.15	1.34	0.00	7.35	7.23	5.91

Financial Statements

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Standalone Half Yearly Results (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Sep 2023	Mar 2024	Sep 2024	Mar 2025	Sep 2025
Revenue	32	39	34	47	58
Expenses	29	31	29	38	50
Interest	0.35	0.75	0.63	0.25	0.71
Financing Profit	2.88	6.78	4.24	8.41	7.60
Financing Margin %	8.98	17.38	12.57	18.04	13.00
Other Income	0.02	0.06	0.01	0.30	0.21
Depreciation	0.26	0.35	0.38	0.46	0.76
Profit Before Tax	2.64	6.49	3.87	8.25	7.05
Tax %	20.83	33.13	25.84	25.45	23.83
Net Profit	2.08	4.34	2.87	6.14	5.37
EPS in Rs	—	—	—	—	—
Gross NPA %	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Revenue	28	53	71	80
Expenses	27	48	58	67
Interest	0.40	0.55	1.08	0.88
Financing Profit	0.78	5.18	12	13
Financing Margin %	2.75	9.69	16.47	15.74
Other Income	0.08	0.10	0.07	0.31
Depreciation	0.16	0.42	0.58	0.85
Profit Before Tax	0.70	4.86	11	12
Tax %	303.21	349.41	394.10	390.35
Net Profit	0.47	3.47	8.36	9.01
EPS in Rs	—	—	—	—
Dividend Payout %	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	0.01	0.01	0.01	11
Reserves	4.37	8.43	17	42
Borrowings	3.41	3.71	9.64	3.52
Other Liabilities	1.61	2.70	3.84	4.56
Total Liabilities	9.40	15	30	61
Fixed Assets	1.02	1.15	2.00	3.60
CWIP	0.00	1.22	3.62	7.64
Investments	0.00	0.00	0.00	0.00
Other Assets	8.38	12	25	50
Total Assets	9.40	15	30	61

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-0.04	1.36	1.76	2.17
Cash from Investing Activity	-0.03	-1.45	-5.54	-8.00
Cash from Financing Activity	0.21	0.39	4.97	21
Net Cash Flow	0.14	0.30	1.20	15

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jul 2024	Sep 2024	Mar 2025	Sep 2025
Promoters	78.74%	57.83%	57.83%	57.89%
FIIs	0.00%	3.50%	0.96%	0.00%
DIIs	21.26%	7.86%	0.37%	0.60%
Public	0.00%	30.81%	40.84%	41.51%
Total Shareholders	8	1,179	1,104	991

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Sep 12, 2025	Pace commodity brokers privat...	Bulk	Sell	100.06	1.50 Cr	1,50,000	1.31
Sep 19, 2024	Mansi share and stock advisor...	Bulk	Sell	109.82	1.00 Cr	91,200	0.80
Sep 19, 2024	Amsalakshmi m	Bulk	Buy	109.44	0.93 Cr	85,200	0.74
Sep 16, 2024	Mansi share and stock advisor...	Bulk	Buy	111.50	1.34 Cr	1,20,000	1.05
Sep 16, 2024	Mansi share and stock advisor...	Bulk	Sell	111.57	0.67 Cr	60,000	0.52
Sep 12, 2024	Moneywise financial services ...	Bulk	Sell	124.00	0.12 Cr	9,600	0.08
Sep 12, 2024	Mansi share and stock advisor...	Bulk	Buy	123.80	0.74 Cr	60,000	0.52
Sep 12, 2024	Viney equity market llp	Bulk	Buy	130.00	2.61 Cr	2,00,400	1.75
Sep 12, 2024	Moneywise financial services ...	Bulk	Buy	130.00	1.50 Cr	1,15,200	1.01
Sep 12, 2024	Multiplier share & stock advi...	Bulk	Buy	127.00	0.91 Cr	72,000	0.63

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

Branch Opening

18 hours ago

My Mudra Fincorp Opens New Branch in Bhopal

My Mudra Fincorp Limited has opened a new branch office in Bhopal, Madhya Pradesh, as part of its expansion strategy.

Monthly Business Update

1 day ago

My Mudra Fincorp Limited - November 2025 Estimated Turnover Update

My Mudra Fincorp Limited estimated a turnover of INR 9.23 Crores for November 2025, marking a year-on-year growth of 162.96%.

Branch Opening

5 days ago

My Mudra Fincorp Opens New Branch in Tamil Nadu

My Mudra Fincorp Limited has opened a new branch office in Chennai, Tamil Nadu, aimed at enhancing accessibility to financial services.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY25

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Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
PIONRINV	99.09	122 Cr	9.53	0.74	0.00	7.78	12.64	3.44
FOCUS	142.00	103 Cr	139.22	14.15	0.04	14.52	19.31	13.70
MYMUDRA	83.90	96 Cr	10.61	1.79	0.00	19.59	22.78	14.75
CHRTEDCA	279.00	84 Cr	12.53	0.48	0.00	3.83	4.98	3.74
SIELFNS	54.16	61 Cr	—	0.00	0.00	9.04	-50.88	-60.44
SMIFS	101.05	60 Cr	21.16	0.38	0.00	1.81	2.75	1.68
HYBRIDFIN	19.89	59 Cr	17.15	1.34	0.00	7.35	7.23	5.91

Oscillators

BearishNeutralBullish

Neutral

Bearish

Finance

Industry

Finance - Small

Market Cap

96 Cr

Volatility

Low Risk

P/E Ratio

10.6

Industry P/E

20.4

PEG Ratio

0.1

P/B Ratio

1.8

52W High

119.10

52W Low

51.60

Sales CAGR

13.40%

41.47%

—

10Y

—

Profit CAGR

40.12%

167.90%

—

10Y

—

ROE

TTM

19.59%

24.15%

—

10Y

—

ROCE

TTM

22.78%

33.77%

—

10Y

—