MOTOGENFINServices

The Motor & General Finance Limited

Diversified Commercial Services · ISIN INE861B01023 · BSE 501343 · NSE EQ · FV ₹5
Last price
₹25
-0.16%today
What this company does

The Motor & General Finance Limited operates in Diversified Commercial Services, part of the Services sector. It booked ₹2 cr of revenue in its latest quarter (Q1 FY27) and kept 121.8% of sales as profit.

In the report:
67out of 100
Equitytale Health Score
Solid

Healthier than 67% of companies in Services, on all six measures of filed financials. Each measure is ranked against the 75–116 companies that reported it.

Measures financial condition, not whether to buy. Learn what this score means · How this is calculated

Price momentum
neutral
RSI (14)
39

At close. Not part of the score.

Profitability & returns44

How much profit it earns on the money it employs

Balance sheet94

How much it owes, and whether earnings cover the interest

Cash quality46

Whether reported profit actually arrives as cash

Growth & consistency51

Whether sales and profit have grown, and how steadily

Valuation84

What today's price implies, against our models or its peers

Governance & risk100

How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure

Is this company doing well?
not investment advice
Strengths
Makes a profit
Strong 122% net margin
Profit up 885% vs last year
Promoters hold 71%
No promoter shares pledged
Virtually debt-free
Watch-outs
! Low 4.1% return on equity
! Operating cash flow is negative

What if I invest in MOTOGENFIN?

Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.

You would put in
₹12.00 lakh
120 instalments
At 10% a year, it would become
₹20.15 lakh

The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.

Key ratios · latest quarter + price
₹25 -0.16%
latest close · 2026-09-17
1-year return
-1.0%
52-wk low ₹2152-wk high ₹39
Is it cheap or expensive?
What you pay for the profits, book value and cash flow. Higher isn't automatically worse — it can signal faster growth.
P/E ratio10.6Low
LowAverageHigh
P/B ratio0.43Below book
Below bookModerateHigh
EV / EBITDA-5.3Low
LowAverageHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity4.1%Weak
WeakFairStrong ▸15%
Return on capital4.8%Weak
WeakFairStrong
Net margin121.8%Strong
ThinDecentStrong
EBITDA margin150.7%Healthy
ThinDecentHealthy
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity0.00Comfortable
LowModerateHigh ▸1
Interest cover43.1×Strong
RiskyOkayStrong ▸5×
Current ratio3.38Ample
Tight ◂1HealthyAmple
More figures
Market cap
₹97 cr
Book value
₹57
EPS
₹0.59
latest quarter
Net debt
₹-156 cr
more cash than debt
Enterprise value
₹-60 cr
EBITDA
₹11 cr
annualised
EBIT
₹11 cr
annualised
Operating margin
146.1%
Return on assets
3.0%
Earnings yield
9.46%
P/S
12.99
Sales / share
₹1.9
Tax rate
14.3%
Face value
₹5
Shares
3.9 cr
Working capital
₹191 cr
Current assets
₹272 cr
Current liabilities
₹80 cr
Delivery %
70.2%
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.

Worth vs price · from the FY 2025 report & filings
not investment advice
Hard to value confidentlyLow confidence
One year's profit is a one-off (far above the multi-year norm), so its recurring earnings power is unclear.
Models span ₹108₹108, midpoint ₹108

An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.

P&L · Q1 FY27 (consolidated)
Revenue from Operations₹2 cr
Other Income₹2 cr
Total Income₹4 cr
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹54.3 L
Finance Costs₹6.3 L
Depreciation & Amortisation₹8.5 L
Other Expenses₹91.9 L
Total Expenses₹2 cr
Profit before Tax₹3 cr
Tax Expense₹38 L
Share of JV / Associates₹-0.83 L
Net Profit₹2 cr
Net margin on total income53.1%
Where the money goes · Q1 FY27
% of total income
Employee benefit expense₹54.3 L12.8%
Finance costs₹6.3 L1.5%
Depreciation & amortisation₹8.5 L2.0%
Other expenses₹91.9 L21.6%
Tax expense₹38 L8.9%
Profit for the period₹2 cr53.2%
Total income ₹4 cradds up to ₹100 ✓
Quarterly results · consolidated (₹ cr)
MetricQ3 FY26Q4 FY26Q1 FY27
Revenue2 cr2 cr2 cr
Total income2 cr2 cr4 cr
Expenses2 cr4 cr2 cr
Profit before tax-3 L159 cr3 cr
Tax0 cr14 cr38 L
Net profit (owners' share)-2.9 L145 cr2 cr
Net margin (owners' share, on revenue)-1.8%121.8%
EPS (₹)-0.0137.560.59
YoY (latest quarter): total income +80.5% · net profit +884.9%
Balance sheet & cash flow · as of Mar 2026
Debt-free
Total assets
₹307 cr
Shareholder equity
₹222 cr
parent shareholders
Total debt
₹0 cr
Cash
₹156 cr
Cash flow · H1 FY26
Operating
₹-58.9 L
Investing
₹62.7 L
Financing
₹32.1 L
Peer comparison
Diversified Commercial Services · by market value
CompanyPriceMarket capP/E
International Gemological Institute Limited₹315₹13,591 cr20.5
WeWork India Management Limited₹683₹9,464 cr
Nesco Limited₹1,082₹7,619 cr19.1
Inox Green Energy Services Limited₹175₹7,012 cr43.2
Indiabulls Limited₹30₹6,637 cr11.6
Bluspring Enterprises Limited₹124₹6,520 cr
Smartworks Coworking Spaces Limited₹520₹5,941 cr113.0
LEAP India Limited₹136₹5,619 cr56.8
Quess Corp Limited₹353₹5,272 cr16.0
Same industry · latest reported numbers · not a recommendation.
Corporate actions
ActionDetailEx-date
Stock splitStock Split From Rs.10/- to Rs.5/-19 Jun 2020
Who owns it · 2026-06-30
No pledge
Promoter
70.8%
FII / Foreign
2.7%
DII / Domestic
0.0%
Retail / others
26.5%
Promoter stake up 1.8% over the last 12 quarters.
Smart-money activity
Insider trades
BoughtRajiv Gupta & Arti Gupta · Promoters10,000 · ₹2.7 L9 Jun 25
BoughtRAMPRAKASH & COMPANY PRIVATE LIMITED · Promoter Group55,676 · ₹16.7 L2 Dec 23
BoughtRAMPRAKASH & COMPANY PRIVATE LIMITED · Promoter Group1.43 L · ₹43.0 L29 Nov 23
Bulk / block deals
BoughtRIMPY MITTAL · NSE2.01 L @ ₹25.1511 Feb 26
SoldRIMPY MITTAL · NSE1.44 L @ ₹25.3111 Feb 26
BoughtRIMPY MITTAL · NSE2.99 L @ ₹28.314 Aug 25
Stake changes
BoughtRAM PRAKASH & CO.PVT LIMITED · promoter→ 5.85% · 2,82516 Dec 22
BoughtRAM PRAKASH & CO.PVT LIMITED · promoter→ 5.85% · 2,82516 Dec 22
BoughtRam prakash & Co.Pvt Ltd · promoter→ 5.77% · 6,87729 Mar 22
Promoter pledges
ReleasedPunjab & Sind Bank4,000 · 0.00% held31 Oct 19
ReleasedOriental bank of Commerce1.21 L · 0.00% held31 Oct 19
PledgedORIENTAL BANK OF COMMERCE1.21 L · 0.00% held1 Jun 11
What shareholders were asked to approve

A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.

Yearly shareholder meeting · 25 Sep 2025
See the official result
1
To consider and adopt the Standalone Financial Statements of the company for the year ended March 31,2025 and the Report of the Directors and Auditors thereon.(a)To consider and adopt the Consolidated Audited Financial Statements of the company for the year ended March 31,2025 and the Report of the Auditors thereon.
Backed by 100% of shareholders other than promotersneeded 50%
15.93 L votes for, 453 against
2
To re-appoint a Director in the place of Smt. Arti Gupta (DIN:00023237), Executive Director who in terms of clause 60(e) of Articles of Association, retires by rotation and being eligible, offers herself for re-appointment.
Promoters had a personal stake in this
Backed by 100% of shareholders other than promotersneeded 50%
15.93 L votes for, 453 against
3
To authorise the Board to fix the remuneration of Statutory Auditors, in terms of provisions of Section 142 of the Companies Act,2013 for the financial year ending March 31,2026.
Backed by 100% of shareholders other than promotersneeded 50%
15.93 L votes for, 453 against
4
Re-appointment of Sh. Rajiv Gupta(DIN:00022964)Chairman & Managing Director & CEO and Payment of Remuneration as a Special Resolution
Promoters had a personal stake in this
Backed by 100% of shareholders other than promotersneeded 75%
15.93 L votes for, 453 against

Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.

Who controls this company, and what it pays them

Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.

The promoter group — 26 named members
owning 70.8% between them · as of 2026-06-30
BAHUBALI SERVICES LTD21.15%
RAJIV GUPTA11.76%
RAM PRAKASH & CO (P) LTD7.78%
ARTI GUPTA5.07%
GEE GEE HOLDINGS (P) LTD4.82%
ANJALI GUPTA3.79%
INDIA LEASE DEVELOPMENT LTD2.79%
SUMANA VERMA2.58%
Business done with them
FY2025 · 3 of the group
The company paid ₹1 cr to companies in the promoter group last year — about 19.6% of its ₹7 cr revenue.
Rajiv Gupta
Other payments to them
also owns 11.76% of the company
₹49.4 L
company paid
Arti Gupta
Other payments to them
also owns 5.07% of the company
₹43.6 L
company paid
Arun Mitter
Other payments to them
also owns 0.08% of the company
₹43.5 L
company paid

The company also transacted with 6 other related parties — subsidiaries, joint ventures, directors and others — that we could not match by name to the promoter list above. Some may still be connected to the family; we only count the ones the filings let us match with certainty.

Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.

How the stock has moved · adjusted for splits & bonuses
Data from primary exchange filings · analysis tool, not investment advice.