Mumbai-based NBFC lending Gold Loans, Personal Loans, MSME/Business Loans and Loans Against Property to retail and small-business borrowers across Maharashtra, Gujarat, Rajasthan and West Bengal.
Price
Market Cap
Sector
Financial Services
Rank
| Line item | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 | FY26 |
|---|---|---|---|---|---|---|---|---|
| LiabilitiesEquity Capital | 19 | 19 | 19 | 19 | 20 | 20 | 21 | 21 |
| Reserves | 76 | 80 | 87 | 93 | 108 | 121 | 137 | 152 |
| Borrowings | 6 | 14 | 29 | 87 | 138 | 200 | 276 | — |
| Other Liabilities | 3 | 2 | 2 | 4 | 8 | 8 | 16 | 12 |
| Total Liabilities | 104 | 116 | 138 | 203 | 274 | 349 | 450 | 517 |
| AssetsFixed Assets | 1 | 14 | 15 | 15 | 15 | 15 | 17 | 18 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 15 | 15 | 17 | 16 | 14 | 14 | 14 | 20 |
| Other Assets | 87 | 86 | 106 | 173 | 244 | 320 | 419 | 479 |
| Total Assets | 104 | 116 | 138 | 203 | 274 | 349 | 450 | 517 |
| Line item | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|
| ActivitiesCash from Operating | 2 | -9 | -5 | -11 | -46 | -54 | -49 | -114 |
| Cash from Investing | 6 | 7 | -1 | 0 | 0 | -7 | -5 | -10 |
| Cash from Financing | -8 | 3 | 5 | 12 | 56 | 56 | 60 | 139 |
| SummaryCapital Expenditure | — | — | — | — | — | — | — | — |
| Free Cash Flow | 2 | -10 | -5 | -11 | -46 | -54 | -50 | -115 |
| FCF Margin | — | — | — | — | — | — | — | — |
Lenders and insurers have a fundamentally different capital structure. Discounting net profit misvalues them — we exclude them rather than mislead you.
MANCREDIT · FINANCIALS_SECTOR
Guides on how to read this kind of business and the numbers that matter.