Mangal Credit and Fincorp
- Market cap
- ₹ 433 Cr.
- P/E
- 69.2x
- P/B
- 2.57x
- 52-week range
- 152.06 – 287.27
- ROE
- 10%
- Dividend yield
- 0.4%
- Debt / equity
- 1.92
- Sector
- Finance
- Industry
- Non Banking Financial Company (NBFC)
- Listed on
- NSE, BSE
About
Mangal Credit & Fincorp Limited (MCFL) is an India-based non-banking financial company (NBFC). The Company is engaged in the business of providing various types of loans to different types of customers. It is engaged in the business segment of financing. The Company provides loans, credit facilities and private educational funding. The Company’s product portfolio includes gold loans, personal loans, small and medium-sized enterprises (SME) loans, and loans against property (LAP). The Company’s gold loan provides its customers with access funds in lieu of gold jewelry. The Company offers personal loans with minimal documentation and speedy approval. It also provides business loans that can be processed with a simple application process and a few documents and provides flexible repayment options. The LAP serves as financial assistance to its customers. The Company has its operations in key states, such as Maharashtra, Gujarat, and West Bengal. It operates over 21 branches.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Non Banking Financial Company (NBFC): 288 companies →Mangal Credit and Fincorp against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)69.2 against a typical 22.5: pricier than most peers (1st = cheapest).211th of 284
- Sales growth+53.1% against a typical +18.3% from a year earlier.75th of 259
- Profit growth+89.7% against a typical +20.2% from a year earlier.54th of 214
- Share price, 3 months+5.7% against a typical −4.2%.82nd of 258
- Size₹ 433.3 Cr. market value against a typical ₹ 43 Cr. (1st = largest).51st of 269
Latest announcements
Exchange filings and their impact on the company.
- Allotted 25 lakh preferential warrants, adding growth capital for lending at ~11% dilution.
Mangal Credit and Fincorp allotted 25 lakh convertible equity warrants on preferential basis. At the current market price of around Rs217, this implies about Rs54 crore of potential capital, with 25% payable upfront. The funds will strengthen net worth and support loan-book growth, with about 11% dilution on full conversion.
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
Moderate safety, with caution
Rated BBB by CRISIL- No warnings from the agency.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| CRISIL | Crisil BBB | Stable | 14 Oct 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 14 Oct 2026 | Reaffirmed | Crisil BBB | — | CRISIL | ₹ 620 Cr. | |
| 24 Jun 2026 | Reaffirmed | Crisil BBB | — | CRISIL | ₹ 620 Cr. | |
| 15 Jun 2026 | Reaffirmed | Crisil BBB | — | CRISIL | ₹ 620 Cr. | |
| 2 Feb 2026 | Reaffirmed | Crisil BBB | — | CRISIL | ₹ 500 Cr. | |
| 31 Dec 2025 | Reaffirmed | Crisil BBB | — | CRISIL | ₹ 450 Cr. |
Fund raises
QIPs, preferential issues, warrants and rights issues, one row per filing, newest first. Open a row for details. All fund raise updates
| Stage | Details | |||||
|---|---|---|---|---|---|---|
| 19 Oct 2026 | Warrants | Allotted | — | — | — |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 3 Nov 2026Upcoming | Financial Results | To consider and approve the financial results for the quarter and half year ended September 30, 2026 |
| 14 Aug 2026 | Fund Raising | To consider and approve the proposal of Fund Raising by way of issuing Non-Convertible Debentures. |
| 6 Aug 2026 | Financial Results/Fund Raising/Other business matters | To consider and approve the financial results for the period ended Jun 30, 2026, Fund Raising and other business matters |
| 28 May 2026 | Financial Results/Dividend | To consider and approve the Audited financial results for the period ended March 31, 2026 and may recommend Dividend. |
| 7 May 2026 | Fund Raising | To consider Fund Raising by way of issuing Non Convertible Debentures. |
| 5 Mar 2026 | Fund Raising | To consider the proposal of Fund Raising by way of issuing up to 1,000 Non Convertible Debentures. |
| 13 Nov 2025 | Financial Results/Fund Raising | To consider and approve the financial results for the period ended September 30, 2025 and Fund Raising by way of issuance of Non Convertible Debentures on Private Placement basis. |
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8 | 9 | 9 | 12 | 12 | 13 | 13 | 14 | 16 | 18 | 21 | 22 |
| Interest | 2 | 2 | 3 | 4 | 4 | 5 | 5 | 6 | 7 | 9 | 9 | 10 |
| Expenses | 2 | 2 | 3 | 2 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 4 |
| Financing Profit | 4 | 4 | 4 | 6 | 5 | 5 | 5 | 4 | 5 | 6 | 8 | 8 |
| Financing Margin % | 49.1% | 47.1% | 39.3% | 46.9% | 39.5% | 39.9% | 33.9% | 30.4% | 28.7% | 30.8% | 37% | 36.8% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | −0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 4 | 4 | 4 | 5 | 4 | 5 | 4 | 4 | 4 | 5 | 7 | 8 |
| Tax % | 26.3% | 26.9% | 26% | 29.5% | 25.4% | 26.6% | 31.4% | 26.4% | 27.6% | 26.7% | 26.2% | 25.8% |
| Net Profit | 3 | 3 | 3 | 4 | 3 | 3 | 3 | 3 | 3 | 4 | 5 | 6 |
| EPS in Rs | 1.36 | 1.48 | 1.32 | 1.92 | 1.65 | 1.78 | 1.34 | 1.53 | 1.41 | 1.81 | 2.6 | 2.69 |
| Gross NPA % | — | — | — | — | — | — | — | — | 1.3% | 1.3% | — | — |
| Net NPA % | — | — | — | — | — | — | — | — | 0.7% | 0.8% | — | — |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- 24%
- 5 Years
- 44%
- 3 Years
- 49%
- TTM
- 49%
- 10 Years
- 41%
- 5 Years
- 22%
- 3 Years
- 25%
- TTM
- 43%
- 10 Years
- 16%
- 5 Years
- 31%
- 3 Years
- 30%
- TTM
- —
- 10 Years
- 8%
- 5 Years
- 9%
- 3 Years
- 10%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Mangal Credit and Fincorp | ₹ 230.00 | ₹ 433 Cr. | 69.2x | 2.6x | 10% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 25x | 5.8x | 18.1% | 23.7% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.9x | 3x | 16.4% | 20.9% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 95.5x | 1.2x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 20.5x | 3.3x | 12.3% | 16% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 5.4x | 1x | 20.7% | 29.1% |
Management
- Meghraj Sohanlal Jain
- Executive Chairman of the Board, Managing Director
- Nilesh Jain
- Chief Financial Officer, Executive Director
- Chirag Narendra Parmar
- Company Secretary, Compliance Officer
- Hardik Meghraj Jain
- Executive Director
Prices are delayed and for information only. Nothing on this page is investment advice.