MYMUDRA

My Mudra Fincorp Limited

Listed company · ISIN INE0RVQ01016 · NSE SM · FV ₹10
Last price
₹69
+1.91%today
What this company does

My Mudra Fincorp Limited is a listed company. It booked ₹117 cr of revenue in its latest year (FY26) and kept 10.2% of sales as profit.

71out of 100
Equitytale Health Score
Solid

Healthier than 71% of listed companies we score, on the 5 of 6 measures we could read for it. Each measure is ranked against the 609–2,885 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)
49

At close. Not part of the score.

Profitability & returns75

How much profit it earns on the money it employs

Balance sheet67

How much it owes, and whether earnings cover the interest

Cash quality32

Whether reported profit actually arrives as cash

Valuation91

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

Not measurable for this company: growth & consistency. Those pillars are left out of the score rather than counted as zero.

Is this company doing well?
not investment advice
Strengths
✓ Makes a profit
✓ Promoters hold 58%
✓ No promoter shares pledged
✓ Strong 22% return on equity
Watch-outs
! Operating cash flow is negative

What if I invest in MYMUDRA?

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 We do not publish price targets or predict returns.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 full year + price
₹69▲ +1.91%
latest close · 2026-10-01
52-wk low ₹5947 sessions so far52-wk high ₹84
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 ratio6.6Low
LowAverageHigh
P/B ratio1.46Moderate
Below bookModerateHigh
EV / EBITDA4.3Low
LowAverageHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity22.2%Strong
WeakFairStrong ▸15%
Return on capital25.5%Strong
WeakFairStrong
Net margin10.2%Decent
ThinDecentStrong
EBITDA margin14.9%Decent
ThinDecentHealthy
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity0.21Comfortable
LowModerateHigh ▸1
Interest cover12.2×Strong
RiskyOkayStrong ▸5×
Current ratio3.81Ample
Tight ◂1HealthyAmple
More figures
Market cap
₹79 cr
Book value
₹47
EPS
₹10.54
latest full year
Net debt
₹-4 cr
more cash than debt
Enterprise value
₹75 cr
EBITDA
₹17 cr
latest full year
EBIT
₹17 cr
latest full year
Operating margin
14.9%
Return on assets
14.4%
Earnings yield
15.21%
P/S
0.67
Sales / share
₹103.0
Tax rate
25.3%
Face value
₹10
Shares
1.1 cr
Working capital
₹42 cr
Current assets
₹57 cr
Current liabilities
₹15 cr
Delivery %
82.7%
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are from the latest full-year results; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-10-01.

Worth vs price · from the exchange filings
not investment advice
Slightly cheapMedium confidence
Median of 3 models ₹85 vs market price ₹69 — price is 18% below it
Safety cushion+18.0%(target ≥ +20%)
Models span ₹56–₹92, midpoint ₹85
Model ₹85
Price ₹69
Cheap sideExpensive side

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 · FY26 (consolidated)
Revenue from Operations₹117 cr
Other Income₹45.2 L
Total Income₹118 cr
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹9 cr
Finance Costs₹1 cr
Other Expenses₹89 cr
Total Expenses₹102 cr
Profit before Tax₹16 cr
Tax Expense₹4 cr
Net Profit₹12 cr
Net margin on total income10.2%
Where the money goes · FY26
% of total income
Employee benefit expense₹9 cr7.9%
Finance costs₹1 cr1.2%
Other expenses₹91 cr77.2%
Tax expense₹4 cr3.4%
Profit for the period₹12 cr10.2%
Total income ₹118 cradds up to ₹100 ✓
Annual results · consolidated (₹ cr)
MetricFY25FY26
Revenue80 cr117 cr
Total income81 cr118 cr
Expenses69 cr102 cr
Profit before tax12 cr16 cr
Tax3 cr4 cr
Net profit (owners' share)9 cr12 cr
Net margin (owners' share, on revenue)11.2%10.2%
EPS (₹)9.9610.54
YoY (latest year): total income +46.0% · net profit +33.2%
Balance sheet & cash flow · as of Mar 2026
Low debt
Total assets
₹84 cr
Shareholder equity
₹54 cr
parent shareholders
Total debt
₹11 cr
Cash
₹15 cr
Cash flow · H1 FY25
Operating
₹-18 L
Investing
₹-2 cr
Financing
₹21 cr
Who owns it · 2026-03-31
No pledge
Promoter
57.9%
FII / Foreign
1.1%
DII / Domestic
0.6%
Retail / others
40.5%
Promoter stake up 0.1% over the last 4 quarters.
Smart-money activity
Promoter pledges
PledgedLRSD Securities Pvt Ltd5.72 L · 18.43% held3 Aug 26
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 · 18 Sep 2026
See the official result
1
To consider and adopt the audited standalone financial statements of the Company for the financial year ended on 31.03.2026, together with the Reports of the Board of Directors and Auditors thereon
Backed by 100% of shareholders other than promotersneeded 50%
11.51 L votes for, 0 against
2
To re-appoint Mr. Ganesh Kumar Mishra (DIN: 06593768), Director of the Company, who retires by rotation at the Annual General Meeting and being eligible, offers himself for re-appointment as Director
Backed by 100% of shareholders other than promotersneeded 50%
11.51 L votes for, 0 against
3
Regularisation of appointment of Mr. Madan Sardar (DIN: 11865424) as director, who was appointed as an Additional Director, and appointment as Whole-time Director of the Company
Backed by 100% of shareholders other than promotersneeded 50%
11.51 L votes for, 0 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 — 11 named members
owning 57.9% between them · as of 2026-03-31
Nisha Kulshrestha41.86%
Vaibhav Kulshrestha16.03%
Anubhav Kulshresthano shares
Arpana Kaurno shares
Dhruv Kulshresthano shares
Gaurav Kumar Aryano shares
Nitu Tulino shares
Parvesh Tulino shares

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.

Money it raised, and what it did with it

When a company raises money from investors, it has to say up front what the money is for. The rules then make it report, every three months until the money is gone, how much of each of those things it has actually paid for — so a promise made while asking for the money can be checked afterwards.

₹33 cr raised in Sep 2024 by selling shares to the public

As of Mar 2026, the company says it has spent 100% of what it set aside.

Repayment of a portion of certain borrowing availed by our Company.
100%
₹6 cr of ₹6 cr
Investment in technology development and digital infrastructure.
100%
₹7 cr of ₹7 cr
To meet Working Capital requirements.
100%
₹7 cr of ₹7 cr
General Corporate Purpose.
100%
₹8 cr of ₹8 cr
Issue related expenses in relation to Issue.
100%
₹5 cr of ₹5 cr
Spent by quarter: 50% → 92% → 100% (to Mar 2026)

Every figure above is taken from the statement the company files with the stock exchange each quarter, for as long as money it has raised remains unspent. The only thing we work out is how much of each stated purpose has been paid for — one number divided by another from the same filing. Whether a plan that changed was a good change is not something a filing can tell you. See the filing

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