Mangal Credit and Fincorp share price & results
- Jun 2026
- Sept 2026
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.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 22.2 | +53.1% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 5.7 | +89.7% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
| Return on equity | −1.6 pts | Trailing twelve months | TTM · period unavailable | Not in the analysed materials. No older figure is substituted. | |
| Free cash flow margin | Fiscal year | FY · period unavailable | Not in the analysed materials. No older figure is substituted. | ||
| Revenue growth (YoY) | −49.5 pts | Trailing twelve months | TTM · period unavailable | Not in the analysed materials. No older figure is substituted. |
Price
Performance +21.2% 1Y
1Y: ₹178.21 on 24 Oct 2025 → ₹215.92. High ₹257.36 (3 Aug 2026), low ₹157.48 (11 Feb 2026).
- Previous close
- ₹210.37
- Market cap
- ₹457 Cr
- 52-week range
- ₹157.48 – ₹257.36
- One year
- +20.47%
Overview
- Symbol
- NSE:MANCREDIT
- Sector
- Financial Services
- Exchange
- NSE
- Currency
- INR
What Mangal Credit and Fincorp Limited does
Based on the company's own presentations, annual report and earnings calls.
Mangal Credit and Fincorp Limited (MCFL) is a non-banking financial company headquartered in Mumbai that extends secured and unsecured retail credit, including loans against gold/diamond jewellery, loans against property, MSME/business loans and personal loans. It reaches customers through its own branch network and channel-partner tie-ups, historically concentrated in Maharashtra and now expanding into Gujarat, Rajasthan and West Bengal. The company originates and services these loans directly and has built the 'Mangal App' so customers and distribution partners can apply for and track Gold Loans, SME Loans and Loans Against Property digitally. It is also piloting new products such as Electric Vehicle (EV) Financing and an Affordable LAP variant.
Segments
- Gold Loans
- MSME / Business Loans
- Loans Against Property (LAP)
- Personal Loans
- Branch network
- 25 branches
- States of operation
- 4 (Maharashtra, Gujarat, Rajasthan, West Bengal)
- Total employees
- 124
- Customer base
- 3,856
- Active loan accounts
- 7,758
- Loan product lines
- 4 (Gold Loan, MSME/Business Loan, LAP, Personal Loan)
Fundamentals
Ratios, each with its period
Current values with the period they cover; the trend reads across the 6 fiscal years held (Mar 2014 to Mar 2019).
Financials
What the filings say
Net profit, year on year: +90% (quarter to jun 2026 against jun 2025).
| Line item | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 12 | 13 | 13 | 14 | 16 | 18 | 21 | 22 |
| Expenses | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 4 |
| Operating profit | 9 | 10 | 10 | 11 | 11 | — | — | — |
| Operating margin | 77.2% | 77.4% | 74.0% | 74.8% | 72.6% | — | — | — |
| Other income | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 4 | 5 | 5 | 6 | 7 | 9 | 9 | 10 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 4 | 5 | 4 | 4 | 4 | 5 | 7 | 8 |
| Tax rate | 25.4% | 26.6% | 31.4% | 26.4% | 27.6% | 26.7% | 26.2% | 25.8% |
| Net profit | 3 | 3 | 3 | 3 | 3 | 4 | 5 | 6 |
| EPS (₹ per share) | 1.65 | 1.78 | 1.34 | 1.53 | 1.41 | 1.81 | 2.60 | 2.69 |
| Line item | Mar 2019 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Sales | 127 | 21 | 33 | 50 | 70 |
| Expenses | 106 | 6 | 9 | 11 | 16 |
| Operating profit | — | 16 | 24 | 38 | — |
| Other income | 7 | 0 | 0 | -0 | 0 |
| Interest | 10 | 5 | 9 | 18 | 31 |
| Depreciation | 7 | 1 | 1 | 1 | 2 |
| Profit before tax | 11 | 11 | 14 | 18 | 21 |
| Net profit | 8 | 8 | 11 | 13 | 15 |
| Line item | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sept 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity capital | 19 | 19 | 20 | 20 | 21 | 21 |
| Reserves | 87 | 93 | 108 | 121 | 137 | 152 |
| Borrowings | 29 | 87 | 138 | 200 | 276 | 332 |
| Other liabilities | 2 | 4 | 8 | 8 | 16 | 12 |
| Total liabilities | 138 | 203 | 274 | 349 | 450 | 517 |
| Fixed assets | 15 | 15 | 15 | 15 | 17 | 18 |
| Capital work in progress | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 17 | 16 | 14 | 14 | 14 | 20 |
| Other assets | 106 | 173 | 244 | 320 | 419 | 479 |
| Total assets | 138 | 203 | 274 | 349 | 450 | 517 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Cash from operations | -5 | -11 | -46 | -54 | -49 | -114 |
| Cash from investing | -1 | 0 | 0 | -7 | -5 | -10 |
| Cash from financing | 5 | 12 | 56 | 56 | 60 | 139 |
| Net cash flow | -1 | 1 | 10 | -5 | 6 | 15 |
| Free cash flow | -5 | -11 | -46 | -54 | -50 | -115 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Return on equity | 6.0% | 6.0% | 7.0% | 9.0% | 10.0% | 10.0% |
| Dividend payout | 17.0% | 16.0% | 12.0% | 11.0% | 11.0% | 10.0% |
Ownership
Who owns it
Promoters hold 55.25% as of Sept 2026; institutions added 0.15 pts since Jun 2026.
- Promoters 55.25%
- Foreign institutions 0.27%
- Domestic institutions 0.01%
- Government 0.00%
- Public 44.48%
Who bought this quarter
since Jun 2026
Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.
- newly disclosed 1.66% held
- +1.00 pp 2.23% held
The same filing shows 0 holders trimming and 2 off the list — both are in the register beside this.
Who is on the register
Named in the Sep 2026 filing
Every holder of Mangal Credit and Fincorp Limited above SEBI's 1% disclosure line, and what changed since Jun 2026.
| Holder | Stake | Change |
|---|---|---|
| 22.67% | unchanged | |
| 11.77% | unchanged | |
| 11.26% | unchanged | |
| 7.96% | unchanged | |
| 5.96% | unchanged | |
| 4.40% | unchanged | |
| 2.23% | +1.00 pp | |
| 1.98% | unchanged | |
| 1.89% | unchanged | |
| 1.73% | unchanged | |
| 1.66% | newly disclosed | |
| 1.62% | unchanged |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
Your own record
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