Mangal Credit and Fincorp Ltd.

•

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 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1046.00	32.08	651234.82	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1038.00	21.58	244239.69	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1849.10	27.46	157925.34	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.95	28.51	154067.52	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	231.15	73.86	152631.62	0.26	8302.50	2457.29	20044.70	3172.82	2.11	69.71
6.	BAJAJHLDNG	10971.00	13.79	122100.11	1.78	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2840.00	10.03	114017.05	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	400.00	26.68	109501.94	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	311.25	24.51	78010.22	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	666.00	27.86	63379.43	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	676.50	25.83	56201.25	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	MANCREDIT	217.75	64.14	459.76	0.34	5.69	89.70	22.16	53.13	12.13	82.04

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 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
	3	4	215	238	143	79	110	99
	1	2	200	213	126	61	91	79
Operating Profit	2	2	14	25	18	18	19	20
OPM %	55.51%	50.57%	6.63%	10.44%	12.41%	22.95%	17.61%	20.21%
	0	1	3	4	6	5	6	6
Interest	0	1	12	19	13	7	8	9
Depreciation	0	0	2	6	7	9	6	7
Profit before Tax	1	1	4	4	3	7	12	10
Tax %	21.46%	19.93%	24.92%	32.97%	43.08%	36.98%	21.89%	27.97%
Net Profit	1	1	3	3	2	5	9	8
EPS	14.01	13.27	22.02	13.91	1.46	0.19	4.68	3.71
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

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Equity Capital	1	1	1	1	16	16	19	19
Minority Interest	0	0	7	13	9	7	8	9
	14	14	31	32	47	51	72	74
	0	20	187	163	67	79	68	74
Trade Payables	2	2	58	32	38	36	29	24
	1	3	18	25	23	31	32	6
Total Liabilities	17	40	303	267	199	221	229	205
	0	1	24	19	22	27	26	22
Capital Work in Progress	0	0	0	2	0	0	0	7
	2	3	1	2	2	2	17	17
	1	2	84	94	16	30	18	0
	0	0	0	0	0	0	0	0
Cash & Bank	1	3	39	24	36	29	31	43
	12	32	154	126	123	133	137	116
Total Assets	17	40	303	267	199	221	229	205

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
	-10	3	-117	5	44	-12	29	-3
Cash from Investing	9	-1	-61	26	-30	-12	-30	-1
Cash from Financing	-0	-0	180	-27	-18	19	1	12
	-1	1	1	5	-4	0	2	12

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	51.71	51.71	51.71	51.71	51.71	55.25	55.25	55.25	55.25
	0.00	0.00	0.08	0.00	0.15	0.01	0.05	0.00	0.12
	0.01	0.01	0.01	0.01	0.01	0.01	0.11	0.10	0.01
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	48.29	48.28	48.20	48.29	48.14	44.73	44.59	44.65	44.62

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