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Mangal Credit and Fincorp Ltd.

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mangalfincorp.comBSE: 505850NSE: MANCREDIT
Market Cap₹ 460 Cr.
Current Price
High / Low₹ 287 / 152
Stock P/E64.1
Book Value—
Price to Book—
Dividend Yield0.34 %
ROCE12.1 %
ROE8.2 %
Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2019 • Logistics: 29.6% • Marbles: 22.0% • Construction: 13.3%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Comfortable capital adequacy - CAR of 41.1%
  • Solid return on assets for a lender - ROA of 4.2%
  • Promoters have been increasing their shareholding - up 3.5pp over 2 years
  • Asset quality is healthy - gross NPA of just 1.2%
  • Operating margins have improved to 26.4% from 16.5%
  • Company has consistently been profitable over the last 5 years

CONS

  • A large part of profit comes from other income (58.9% of PBT)
  • Company has a low return on equity of 9.1% over last 3 years
  • Company has a low return on capital employed of 11.6%
  • Company's sales have been declining over the last five years
  • Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1046.0032.08651234.820.576080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1038.0021.58244239.691.043452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1849.1027.46157925.340.111656.2245.568856.2921.899.7070.07
4.TATACAP362.9528.51154067.520.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN231.1573.86152631.620.268302.502457.2920044.703172.822.1169.71
6.BAJAJHLDNG10971.0013.79122100.111.782708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2840.0010.03114017.051.062824.8443.088671.6036.2515.8783.76
8.ABCAPITAL400.0026.68109501.940.001223.8543.8512179.54137.848.8241.91
9.LTF311.2524.5178010.220.88915.9930.705212.9222.388.5462.13
10.SBICARD666.0027.8663379.430.38664.4419.515040.557.6011.7529.83
11.HDBFS676.5025.8356201.250.59785.2038.314937.9018.719.0957.98
12.MANCREDIT217.7564.14459.760.345.6989.7022.1653.1312.1382.04
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

No quarterly results found

We don't have this information yet. Please check back later.

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
342152381437911099
12200213126619179
Operating Profit22142518181920
OPM %55.51%50.57%6.63%10.44%12.41%22.95%17.61%20.21%
01346566
Interest01121913789
Depreciation00267967
Profit before Tax1144371210
Tax %21.46%19.93%24.92%32.97%43.08%36.98%21.89%27.97%
Net Profit11332598
EPS14.0113.2722.0213.911.460.194.683.71
Dividend Payout %17.85%15.07%9.73%3.60%0.00%10.02%11.49%13.47%

COMPOUNDED SALES GROWTH

10 Years:
—
5 Years:
-14%
3 Years:
-12%

COMPOUNDED PROFIT GROWTH

10 Years:
—
5 Years:
20%
3 Years:
72%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
18%

RETURN ON EQUITY

10 Years:
—
5 Years:
8%
3 Years:
9%
Last Year:
8%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2015

Dec 17

5:1

Mangal Credit and Fincorp Ltd has informed BSE that a meeting of the Board of Directors of the Company will be held on November 05, 2015, inter alia, to consider and approve following points: 1. Issue of Bonus shares. 2. Increase in authorised share capital up to Rs. 20 Crores. 3. Raising a funds up to Rs. 50 cr. through issue of shares /warrant to promoters/ non promoters on preferential basis.

2015

Nov 5

5:1

Bonus issue

2015

Nov 5

5:1

Mangal Credit and Fincorp Ltd has informed BSE that the Board of Directors of the Company at its meeting held on November 05, 2015, has considered and approved following items : 1. Issue of Bonus Equity shares in the ratio of 5:1 [5 shares for every 1 share held]. 2. Increase in authorised share capital up to Rs.20 crores. 3.Raising funds up to Rs.50 cr. through issue of shares/ warrant to promoters / non promoters on preferential basis. 4. Resignation of Mr. Mahek Gehani from the position of Compliance officer.

2015

Nov 13

5:1

Mangal Credit and Fincorp Ltd has informed BSE that the Extra Ordinary General Meeting (EGM) of the Company will be held on December 09, 2015.

2015

Nov 16

Mangal Credit and Fincorp Ltd has informed BSE that the Board of Directors of the Company at its meeting held on November 13, 2015, have considered and approved following items: 1. In suppression of Board Resolution passed on November 05, 2015, Board has passed new resolution to increase Authorized Share Capital up to Rs. 25 Crores instead of Rs. 20 Crores. 2. In suppression of Board Resolution passed on November 05, 2015, Board has passed new resolution for raising funds up to Rs. 75 Crore through issue of shares/warrants to promoters/non promoters on preferential basis instead of Rs. 50 Crores. 3. Approved the Notice for convening Extra Ordinary General Meeting (EGM) of the members of the Company to be held on December 09, 2015 for seeking approval of Bonus Issue and Preferential Issue. 4. Appointment of M/s. Vijay S. Tiwari & Associates, Practicing Company Secretary as Scrutinizer for the e-voting and EGM process.

Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Equity Capital111116161919
Minority Interest007139789
1414313247517274
02018716367796874
Trade Payables22583238362924
1318252331326
Total Liabilities1740303267199221229205
01241922272622
Capital Work in Progress00020007
2312221717
1284941630180
00000000
Cash & Bank13392436293143
1232154126123133137116
Total Assets1740303267199221229205

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
-103-117544-1229-3
Cash from Investing9-1-6126-30-12-30-1
Cash from Financing-0-0180-27-1819112
-1115-40212

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
51.7151.7151.7151.7151.7155.2555.2555.2555.25
0.000.000.080.000.150.010.050.000.12
0.010.010.010.010.010.010.110.100.01
Government0.000.000.000.000.000.000.000.000.00
48.2948.2848.2048.2948.1444.7344.5944.6544.62

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-09
General Updates

2026-09-09 - Intimation with respect to allotment of 3,500 Non-Convertible Debentures on Private Placement Basis

2026-09-02
Copy of Newspaper Publication

2026-09-02 - Newspaper clippings titled Notice of 64th Annual General Meeting, EVoting Information, Book Closure and Record Date.

2026-08-31
Shareholders meeting

2026-08-31 - Notice of 64th Annual General Meeting of the Company to be held on September 22, 2026 at 12.30 P.M.through video conferencing / Audio Visual Means.

2026-08-25
Copy of Newspaper Publication

2026-08-25 - Mangal Credit and Fincorp Limited has informed the Exchange about Copy of Newspaper Publication of Pre AGM Notice in accordance with MCA and SEBI circulars.

2026-08-25
General Updates

2026-08-25 - Enclosed herewith Pre AGM Notice Newspaper clippings published in today''s newspaper in accordance with MCA and SEBI circulars

2026-08-14
Outcome of Board Meeting

2026-08-14 - Mangal Credit and Fincorp Limited has informed the Exchange regarding Outcome of Board Meeting held on August 14, 2026.

2026-08-14
Copy of Newspaper Publication

2026-08-14 - Newspaper clippings of the IEPF Notice to Shareholders.

2026-08-08
Copy of Newspaper Publication

2026-08-08 - Copy of Newspaper clippings of Unaudited Financial Results for the quarter ended June 30, 2026

2026-08-06
Outcome of Board Meeting

2026-08-06 - Outcome of the Board Meeting held on August 6, 2026.

News

Recent coverage and analyst commentary for MANCREDIT

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