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Mega Fin India Overview

1. Business Overview

Mega Fin (India) Ltd. operates as a Non-Banking Financial Company (NBFC) in India. Its core business involves providing various financial services, primarily lending and financing activities, to individuals, small and medium-sized enterprises (SMEs), and potentially other entities. The company generates revenue mainly through interest income derived from the loans and financial products it offers, and potentially through associated fee income.

2. Key Segments / Revenue Mix

Without specific financial disclosures, the exact revenue mix cannot be determined. However, as an NBFC, its revenue predominantly stems from interest earned on its loan book. Typical segments for an NBFC in India might include retail finance (personal loans, two-wheeler loans, consumer durables finance), business loans (to MSMEs), and asset-backed finance (e.g., vehicle loans, equipment finance). The company likely focuses on one or more of these areas.

3. Industry & Positioning

Mega Fin (India) Ltd. operates within the highly competitive and regulated Indian finance sector, specifically among NBFCs. The industry structure ranges from large, diversified players to smaller, niche-focused entities. Mega Fin likely positions itself to cater to specific customer segments or geographies that may be underserved by traditional banks or larger NBFCs. It competes with a multitude of other NBFCs, public and private sector banks, and potentially fintech lenders, for market share and funding.

4. Competitive Advantage (Moat)

For a company named Mega Fin (India) Ltd., specific competitive advantages are not readily apparent without further information. Given its likely size relative to major NBFCs and banks, it is unlikely to possess significant scale advantages, national brand recognition, or proprietary technology moats. Any competitive edge would likely stem from deep local market understanding, strong customer relationships in specific niches, efficient credit assessment for its target segment, or agile service delivery. However, these are often difficult to sustain against larger players.

5. Growth Drivers

Key growth drivers for Mega Fin (India) Ltd. could include:

Growing Credit Demand: India's economic growth and increasing financial inclusion drive demand for credit, especially from underserved retail and MSME segments.

Expansion of Product Offerings: Introduction of new and relevant loan products tailored to customer needs.

Geographical Expansion: Entering new regions or deepening penetration in existing markets.

Digital Adoption: Leveraging technology for improved customer acquisition, underwriting, and service delivery, potentially reducing operational costs.

Niche Market Penetration: Successfully identifying and serving specific market niches with tailored financial solutions.

6. Risks

Credit Risk: Defaults on loans leading to Non-Performing Assets (NPAs), impacting profitability and capital.

Funding and Liquidity Risk: Dependence on market borrowings, vulnerability to interest rate fluctuations, and challenges in accessing cost-effective funds.

Regulatory Risk: Changes in RBI regulations for NBFCs (e.g., capital adequacy, asset classification, provisioning norms) impacting business operations and profitability.

Competition: Intense competition from banks and other NBFCs leading to margin pressure and market share erosion.

Economic Downturn: A slowdown in the Indian economy could adversely affect borrowers' repayment capacity.

7. Management & Ownership

As is common with many Indian companies, Mega Fin (India) Ltd. is likely promoter-driven, with the founding family or individuals holding a significant stake. The ownership structure would typically include the promoter group, institutional investors (if any), and public shareholders. Specific details about the management team's experience, promoter quality, or the exact ownership distribution are not available without access to regulatory filings or company reports.

8. Outlook

Mega Fin (India) Ltd. operates in a dynamic sector with significant growth potential driven by India's economic expansion and increasing credit penetration. The company's performance will largely depend on its ability to effectively manage credit risk, secure cost-effective funding, and navigate the highly competitive landscape. Opportunities exist in catering to underserved segments and leveraging technology for efficiency. However, it faces challenges from interest rate volatility, evolving regulatory frameworks, and intense competition from larger, more established financial institutions. Maintaining a strong balance sheet, prudent lending practices, and a clear market differentiation will be crucial for sustained growth.

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Mega Fin India Key Financials

Market Cap ₹25 Cr.

Stock P/E 195.6

P/B 16.8

Current Price ₹30.4

Book Value ₹ 1.8

Face Value 10

52W High ₹39.9

Dividend Yield 0%

52W Low ₹ 15.1

Mega Fin India Share Price

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Volume
Price

Mega Fin India Quarterly Price

Show Value Show %

Mega Fin India Peer Comparison

Mega Fin India Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Dec 2025
Net Sales 0 0 0 0 0 0 0 0 0 0
Other Income 0 0 0 0 0 0 0 0 0 0
Total Income 0 0 0 0 0 0 0 0 0 0
Total Expenditure 0 0 0 0 0 0 0 0 0 0
Operating Profit -0 -0 -0 0 -0 -0 -0 0 -0 -0
Interest 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0
Exceptional Income / Expenses 0 0 0 0 0 0 0 0 0 0
Profit Before Tax -0 -0 -0 0 -0 -0 -0 0 -0 -0
Provision for Tax 0 0 0 0 0 0 0 0 0 0
Profit After Tax -0 -0 -0 0 -0 -0 -0 0 -0 -0
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments -0 -0 -0 0 -0 -0 -0 0 -0 -0
Adjusted Earnings Per Share -0.1 -0 -0 0.3 -0 -0 -0 0.3 -0 -0

Mega Fin India Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Net Sales 0 0 0 0 0 0 0 0 0 0 0 0
Other Income 0 0 0 0 0 0 0 0 0 0 0 0
Total Income 0 0 0 0 0 0 0 0 0 0 0 0
Total Expenditure 0 1 1 0 0 0 0 0 0 0 0 0
Operating Profit 0 -0 -1 -0 -0 -0 0 0 0 0 0 0
Interest 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
Exceptional Income / Expenses 0 0 0 0 -0 0 -0 0 0 0 0 0
Profit Before Tax 0 -0 -1 -0 -0 -0 -0 0 0 0 0 0
Provision for Tax 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Tax 0 -0 -1 -0 -0 -0 -0 0 0 0 0 0
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 0 -0 -1 -0 -0 -0 -0 0 0 0 0 0
Adjusted Earnings Per Share 0.1 -0.6 -1 -0.1 -0.2 -0 -0.1 0.1 0.1 0.2 0.1 0.3

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 0% 0% 0% 0%
Operating Profit CAGR 0% 0% 0% 0%
PAT CAGR 0% 0% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 101% NA% NA% 13%
ROE Average 6% 6% 3% -6%
ROCE Average 9% 6% 4% -3%

Mega Fin India Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 4 3 2 2 2 2 2 2 2 2 2
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 0 0 0 0 0 0 0 0 0 0 0
Total Current Liabilities 0 0 0 0 0 0 0 0 0 0 0
Total Liabilities 4 3 2 2 2 2 2 2 2 2 3
Fixed Assets 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Assets 4 3 2 2 2 2 2 2 2 2 2
Total Current Assets 0 0 0 0 0 0 0 0 0 0 0
Total Assets 4 3 2 2 2 2 2 2 2 2 3

Mega Fin India Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 0 0 0 0 0 0 0 0 0 0 0
Cash Flow from Operating Activities 0 -0 -0 -0 -0 0 -0 -0 -0 -0 0
Cash Flow from Investing Activities 0 0 0 0 0 0 0 0 0 0 0
Cash Flow from Financing Activities 0 0 0 0 0 0 0 0 0 0 0
Net Cash Inflow / Outflow 0 -0 -0 -0 -0 0 0 -0 -0 -0 0
Closing Cash & Cash Equivalent 0 0 0 0 0 0 0 0 0 0 0

Mega Fin India Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 0.11 -0.6 -1.03 -0.05 -0.2 -0 -0.08 0.07 0.08 0.17 0.14
CEPS(Rs) 0.11 -0.6 -1.03 -0.05 -0.2 -0 -0.08 0.07 0.08 0.17 0.14
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 3.16 2.56 1.53 1.47 1.27 2.08 2.01 2.08 2.15 2.32 2.46
Core EBITDA Margin(%) 0 0 0 0 0 -1.92 4.74 28.64 29.68 54.71 72.14
EBIT Margin(%) 0 0 0 0 0 -1.92 -31.18 28.64 29.68 60.84 73.45
Pre Tax Margin(%) 0 0 0 0 0 -2.02 -31.42 28.53 29.13 60.33 69.96
PAT Margin (%) 0 0 0 0 0 -2.02 -31.42 28.53 29.13 60.33 46.84
Cash Profit Margin (%) 0 0 0 0 0 -2.02 -31.42 28.53 29.13 60.33 46.84
ROA(%) 2.43 -14.19 -30.26 -1.78 -7.16 -0.19 -2.99 2.96 3.26 6.68 5.24
ROE(%) 3.54 -20.98 -50.49 -3.4 -14.59 -0.29 -3.76 3.56 3.63 7.39 5.79
ROCE(%) 2.54 -14.68 -31.53 -1.83 -7.7 -0.2 -3.73 3.47 3.5 7.08 8.65
Receivable days 0 0 0 0 0 0 0 0 0 0 0
Inventory Days 0 0 0 0 0 0 0 0 0 0 0
Payable days 0 0 0 0 0 0 0 0 0 0 0
PER(x) 0 0 0 0 0 0 0 0 0 0 0
Price/Book(x) 0 0 0 0 0 0 0 0 0 0 0
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 0 0 0 0 0 43.45 40.84 39.68 38.38 36.91 34.27
EV/Core EBITDA(x) 90.36 -16.63 -9.67 -200.6 -51.42 -2264.14 806.2 138.58 129.29 60.67 46.65
Net Sales Growth(%) 0 0 0 0 0 0 6.38 4.13 3.42 3.97 7.72
EBIT Growth(%) 1154.97 -644.87 -71.95 95.17 -302.09 97.52 -1628.62 195.63 7.2 113.11 30.05
PAT Growth(%) 1142.24 -645.5 -71.95 95.05 -292.74 97.41 -1558.65 194.55 5.61 115.31 -16.36
EPS Growth(%) 1146.67 -645.31 -71.95 95.05 -292.74 97.69 -1558.65 194.56 5.64 115.23 -16.39
Debt/Equity(x) 0 0 0 0 0 0 0 0.06 0.05 0.05 0.05
Current Ratio(x) 12.55 3.32 23.13 2.54 1.18 0.72 0.53 0.47 0.59 0.53 0.04
Quick Ratio(x) 12.55 3.32 23.13 2.54 1.18 0.72 0.53 0.47 0.59 0.53 0.04
Interest Cover(x) 1066.49 -4445.24 -3819.98 -38.92 -544.01 -19.92 -130.22 276.69 54.22 120.45 21.05
Total Debt/Mcap(x) 0 0 0 0 0 0 0 0 0 0 0

Mega Fin India Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 43.01 43.01 43.01 43.01 41.64 41.64 41.64 41.64 41.64 41.64
FII 0 0 0 0 0 0 0 0 0 0
DII 0.24 0.24 0.24 0.24 0.24 0.24 0.24 0.24 0.24 0.24
Public 56.75 56.75 56.75 56.75 58.11 58.11 58.11 58.11 58.11 58.11
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Mega Fin India News

Mega Fin India Pros & Cons

Pros

  • Company is almost debt free.

Cons

  • Promoter holding is low: 41.64%.
  • Company has a low return on equity of 6% over the last 3 years.
  • Stock is trading at 16.8 times its book value.
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