Key Financials Snapshot

TTM · Consolidated · ₹ in Cr
Market Cap
₹447 Cr.
Stock P/E
29.2
P/B
—
Current Price
₹211.5
Book Value
₹ 0
Face Value
10
52W High
₹286.8
52W Low
₹ 153
Dividend Yield
0.35%

Mangal Credit & Fin Overview

Business

Mangal Credit and Fincorp Ltd. is an Non-Banking Financial Company (NBFC) operating in India. Its core business involves providing financial services, primarily in the form of loans and advances. As an NBFC, it engages in activities such as lending against collateral (e.g., property, gold, securities) or providing unsecured loans to individuals, small and medium enterprises (SMEs), and other businesses. The company makes money primarily through the interest income generated from its loan portfolio, net of funding costs, and potentially through fees for financial services.

Revenue Mix

Specific segment-wise revenue breakdown for Mangal Credit and Fincorp Ltd. is not readily available in public domain without detailed financial reports. However, typical NBFCs in India often lend across various segments which might include:

Secured Loans: Such as Loan Against Property (LAP), Gold Loans, or loans against shares/securities.

Unsecured Loans: Personal loans, business loans for SMEs.

Vehicle Finance: For commercial or personal vehicles.

Microfinance: Lending to self-help groups or individuals in rural/semi-urban areas.

The company likely focuses on specific asset classes where it perceives a competitive edge or strong demand.

Industry

The Indian finance sector is highly competitive, comprising public and private sector banks, a large number of NBFCs, and emerging FinTech players. The NBFC industry is fragmented, with players specializing in various niches (e.g., gold loans, housing finance, vehicle finance, microfinance, SME lending). Mangal Credit and Fincorp Ltd. likely operates as a smaller to mid-sized NBFC, potentially with a regional focus, catering to segments underserved by larger banks due to stricter lending norms or lack of presence. Its positioning would be based on competitive interest rates, flexible loan products, and customer service in its target markets.

MOAT

For a smaller NBFC like Mangal Credit and Fincorp Ltd., durable competitive advantages (moats) are generally limited compared to large banks or specialized NBFCs with significant scale. Potential minor advantages could include:

Local Market Knowledge & Relationships: Strong ties with customers and communities in specific geographies, leading to better credit assessment and collection efficiencies.

Niche Focus: Expertise in a particular asset class or customer segment that is underserved by larger players.

Agility & Faster Loan Disbursal: Compared to larger, more bureaucratic banks.

However, these are often not strong enough to create a lasting moat against new entrants or larger, well-funded competitors.

Growth Drivers

Increasing Credit Demand: Growing financial inclusion, rising aspirations, and the credit needs of SMEs and individuals in unbanked/underbanked areas in India.

Economic Growth: A growing Indian economy generally translates to higher demand for credit across various sectors.

Expansion into New Geographies/Products: Identifying and tapping into new regions or launching new, in-demand financial products.

Digitalization: Leveraging technology for faster processing, better customer reach, and improved operational efficiency.

Formalization of Economy: As more economic activity moves into the formal sector, credit demand from organized entities increases.

Risks

Asset Quality Deterioration: Non-Performing Assets (NPAs) due to borrower defaults, especially in unsecured or SME lending, can severely impact profitability.

Funding Risks: Dependence on wholesale funding, volatile interest rates, and ability to raise capital at competitive costs can impact NIMs (Net Interest Margins).

Regulatory Changes: Changes in RBI (Reserve Bank of India) regulations for NBFCs concerning capital adequacy, provisioning, or asset classification can impact operations and profitability.

Intense Competition: From banks, other NBFCs, and FinTechs, leading to pressure on interest rates and market share.

Economic Slowdown: A general economic downturn can reduce credit demand and increase defaults.

Concentration Risk: Over-reliance on a specific borrower segment, asset class, or geographic region.

Management & Ownership

Information on specific promoter background and management quality for Mangal Credit and Fincorp Ltd. is not detailed in general public sources. Typically, NBFCs' success heavily relies on the experience, integrity, and risk management capabilities of their promoters and key management personnel. A stable and experienced management team with a strong understanding of the local credit market and regulatory environment is crucial for navigating industry challenges. Ownership structure, particularly the promoter's stake, can influence strategic direction and governance.

Outlook

Mangal Credit and Fincorp Ltd. operates in a dynamic Indian financial market characterized by significant growth potential driven by India's economic expansion and increasing credit penetration. The company could benefit from catering to underserved segments and leveraging local market knowledge. However, it faces substantial challenges, including intense competition from a diverse set of financial institutions, the inherent credit risks associated with lending, and the sensitivity of profitability to funding costs and regulatory changes. Its ability to maintain asset quality, secure cost-effective funding, and efficiently scale operations in specific niche markets will be critical for sustainable performance.

Mangal Credit & Fin Share Price

Live · BSE / NSE · Inception: 1961
₹ | |
Volume
Price

Key Financials — Profit & Loss

₹ in Cr · Consolidated · annual

Mangal Credit & Fin Quarterly Results

#(Fig in Cr.) Jun 2013 Jun 2018 Sep 2018 Dec 2018 Jun 2019 Sep 2019 Dec 2019
Operating Revenue 1 24 7 14 12 11 9
Other Income 0 1 2 1 1 2 1
Total Income 1 26 10 16 13 12 10
Total Expenditure 0 19 15 4 8 10 4
Operating Profit 1 6 -6 12 5 2 6
Interest Expense 1 2 2 2 2 2 2
Depreciation 0 0 2 2 2 2 2
Profit Before Tax 0 4 -10 8 2 -1 2
Provision for Tax 0 1 0 0 1 1 0
Profit After Tax 0 3 -10 8 1 -2 2
Adjustments 0 -0 5 -3 0 2 -1
Profit After Adjustments 0 3 -5 5 1 -0 1
Adjusted Earnings Per Share 0.3 13.1 -25.6 2.6 0.7 -0.1 0.8

Mangal Credit & Fin Profit & Loss

#(Fig in Cr.) Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
Operating Revenue 3 4 215 238 143 79 110 99 46
Other Income 0 1 3 4 6 5 6 6 5
Total Income 3 5 218 241 149 84 116 105 51
Total Expenditure 1 2 200 213 126 61 91 79 26
Operating Profit 2 3 18 28 24 23 26 26 25
Interest Expense 0 1 12 19 13 7 8 9 8
Depreciation 0 0 2 6 7 9 6 7 8
Profit Before Tax 1 1 4 4 3 7 12 10 11
Provision for Tax 0 0 1 1 1 3 3 3 2
Profit After Tax 1 1 3 3 2 5 9 8 9
Adjustments 0 0 -0 -1 -0 -1 -1 -0 -2
Profit After Adjustments 1 1 3 2 1 4 8 7 7
Adjusted Earnings Per Share 2.3 2.2 3.4 2.3 0.9 2.5 4.4 3.7 4

Mangal Credit & Fin Balance Sheet

#(Fig in Cr.) Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Shareholder's Funds 14 16 33 34 67 72 91 93
Minority's Interest 0 0 7 13 9 7 8 9
Borrowings 0 0 9 9 21 30 40 33
Current Liability 3 24 253 210 100 110 87 69
Other Liabilities & Provisions 0 0 1 1 1 1 2 2
Total Liabilities 17 40 303 267 199 221 229 205
Loans 0 0 0 0 0 0 0 0
Investments 2 3 1 2 2 2 15 15
Fixed Assets 0 1 24 19 22 27 26 22
Other Loans 11 2 9 9 14 21 25 24
Other Non Current Assets 0 0 0 4 0 0 0 7
Current Assets 3 36 268 234 160 171 163 137
Total Assets 17 40 303 267 199 221 229 205

Mangal Credit & Fin Cash Flow

#(Fig in Cr.) Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Opening Cash & Cash Equivalents 3 1 2 3 9 5 29 31
Cash Flow from Operating Activities -10 3 -118 7 44 -7 31 1
Cash Flow from Investing Activities 9 -1 -61 26 -30 -12 -30 -1
Cash Flow from Financing Activities -0 -0 180 -27 -18 19 1 12
Net Cash Inflow / Outflow -1 1 1 5 -4 0 2 12
Closing Cash & Cash Equivalent 1 2 3 9 4 5 31 43

Mangal Credit & Fin Ratios

# Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Earnings Per Share (Rs) 2.33 2.21 3.42 2.32 0.89 2.49 4.35 3.71
CEPS(Rs) 2.36 2.44 5.52 9.86 5.7 8.56 7.8 7.31
DPS(Rs) 2.5 2 2 0.5 0 0.25 0.5 0.5
Book NAV/Share(Rs) 33.8 35.18 38.5 39.99 39.44 41.91 47.28 48.28
Net Profit Margin 35.63 25.08 1.42 1.13 1.33 5.87 8.54 7.61
Operating Margin 56.95 69.06 7.45 9.57 11.49 17.74 18.09 19.8
PBT Margin 45.36 31.32 1.88 1.68 2.34 9.31 10.93 10.56
ROA(%) 5.85 3.26 1.77 0.94 0.82 2.22 4.18 3.47
ROE(%) 6.91 6.41 12.81 8.09 3.97 7.16 11.85 8.18
ROCE(%) 11.04 10.15 12.4 10.85 9.91 9.89 12.94 12.08
Price/Earnings(x) 8.69 15.33 10.95 13.02 52.67 19.74 8.6 14.25
Price/Book(x) 0.6 0.96 0.97 0.75 1.19 1.18 0.79 1.1
Dividend Yield(%) 2.05 0.98 0.89 0.28 0 0.51 1.34 0.95
EV/Net Sales(x) 2.63 8.46 0.85 0.7 0.74 1.61 0.98 1.33
EV/Core EBITDA(x) 4.59 11.79 10.33 5.84 4.5 5.5 4.24 5.04
Interest Earned Growth(%) 0 34.57 5661.03 10.81 -39.69 -44.76 39.13 -9.99
Net Profit Growth 0 -5.26 225.03 -11.61 -28.94 143.76 102.46 -19.83
EPS Growth(%) 0 -5.26 54.83 -32.32 -61.58 180.14 74.39 -14.68
Interest Coverage(x) % 4.91 1.83 1.34 1.21 1.26 2.11 2.53 2.14

Growth Rates

Compounded annual
# 1 Year 3 Year 5 Year 10 Year
Sales CAGR -10% -12% -14% —
Operating Profit CAGR 0% +3% +8% —
PAT CAGR -11% +59% +22% —
Share Price CAGR +18% +28% +20% +10%
ROE Average +8% +9% +8% +8%
ROCE Average +12% +12% +11% +11%

Mangal Credit & Fin Shareholding Pattern

Latest · Sep 2026
100% held
Promoters 55.25 %
FII 0.27 %
DII (MF + Insurance) 0.01 %
Public (retail) 44.47 %
# Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
Promoter 51.7151.7151.7151.7151.7155.2555.2555.2555.2555.25
FII 000.0900.150.010.0500.120.27
DII 0.010.010.010.010.010.010.110.10.010.01
Public 48.2948.2848.248.2948.1444.7344.5944.6544.6244.47
Others 0000000000
Total 100100100100100100100100100100

Mangal Credit & Fin Peer Comparison

Finance - NBFC Edit Columns

Mangal Credit & Fin Quarterly Price

10-year quarterly close · BSE
Show Value Show %

News & Updates

See more…

Mangal Credit & Fin Pros & Cons

Pros

  • Company has delivered good profit growth of 21% CAGR over last 5 years
  • Debtor days have improved from 158.61 to 152.8days.
  • Company has reduced debt.

Cons

  • Company has a low return on equity of 9% over the last 3 years.
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