Mangal Credit & Fincorp Limited (MCFL) is an India-based non-banking financial company (NBFC) headquartered in Mumbai, Maharashtra. The company is primarily engaged in providing various types of loans and credit facilities to a diverse customer base. MCFL has evolved significantly from its origins, transforming into a specialized financial services provider. The company was formerly known as Tak Machinery & Leasing Limited and officially changed its name to Mangal Credit and Fincorp Limited in June 2013. Incorporated in December 1961, MCFL initially focused on manufacturing activities, including technical collaborations with international partners, before successfully transitioning into the financial services sector.
Mangal Credit & Fincorp Limited offers a broad range of financial products and services designed to meet varied customer needs. Its core offerings include:
- Loans:
- Jewelry Loans
- Personal Loans
- Loans Against Property (LAP)
- Small and Medium-sized Enterprises (SME) Loans
- Private Educational Funding: Providing financial support for educational pursuits.
This diversified lending portfolio allows MCFL to serve different customer segments across various income categories, maintaining a balanced risk profile while catering to diverse financial requirements.
As of June 19, 2025, Mangal Credit & Fincorp Ltd (MANCREDIT) holds a market capitalization of ₹229.58 Crore. This valuation reflects the company's growing presence within the competitive NBFC sector and the market's confidence in its business model and future prospects.
#### Recent Financial Highlights (FY2024-25)
The company has demonstrated a robust financial performance trend in recent fiscal periods.
- Full Year FY2024-25:
- Net Profit: ₹13.07 Crore, an increase of 23.89% year-on-year (YoY) compared to ₹10.55 Crore in FY2023-24.
- Revenue: ₹49.58 Crore, a significant growth of 49.34% YoY compared to ₹33.20 Crore in FY2023-24.
#### Quarterly Performance Trends (FY2024-25)
MCFL has shown consistent quarter-on-quarter growth throughout FY2024-25.
- Q4 FY2024-25 (Quarter ended March 2025):
- Net Profit: ₹2.62 Crore, an increase of 1.16% compared to ₹2.59 Crore in the previous quarter (Q4 FY2023-24).
- Revenue: ₹13.37 Crore, a substantial rise of 41.78% compared to ₹9.43 Crore in the previous quarter (Q4 FY2023-24).
- Q3 FY2024-25 (Quarter ended December 2024):
- Net Profit: ₹3.48 Crore, an increase of 21.68% YoY compared to ₹2.86 Crore in the corresponding quarter of the previous year (Q3 FY2023-24).
- Revenue: ₹12.68 Crore, a strong growth of 46.08% YoY compared to ₹8.68 Crore in the corresponding quarter of the previous year (Q3 FY2023-24).
- Annual Revenue (FY24-25): ₹49.58 Crore (49.34% YoY Growth)
- Annual Net Profit (FY24-25): ₹13.07 Crore (23.89% YoY Growth)
- Q4 FY2024-25 Revenue: ₹13.37 Crore
- Q4 FY2024-25 Net Profit: ₹2.62 Crore
- Market Capitalization: ₹229.58 Crore (as of June 19, 2025)
The stock of Mangal Credit & Fincorp Ltd (MANCREDIT) has exhibited notable price movements within the past year.
- 52-Week High: ₹215.75
- 52-Week Low: ₹103.35
This range indicates significant volatility, presenting both opportunities and risks for investors.
- P/E Ratio (Price-to-Earnings): 17.57
- P/B Ratio (Price-to-Book): 1.80
These ratios suggest that the stock is currently trading at reasonable valuations relative to its earnings and book value, though a deeper comparative analysis against industry peers is recommended.
- Chairman: Meghraj Sohanlal Jain
- Managing Director: Meghraj Sohanlal Jain
The leadership structure, with a consolidated management under experienced hands, is positioned to provide strategic direction and enhance operational efficiency.
Mangal Credit & Fincorp Limited remains committed to rewarding its shareholders.
- The Board of Directors, in their meeting held on May 15, 2025, recommended a final dividend of ₹0.75 per equity share (7.5%), subject to shareholder approval. This recommendation underscores the company's focus on returning value while strategically investing for growth.
Mangal Credit & Fincorp Ltd has been actively expanding its operations and strategic initiatives:
- Branch Expansion: Opened a new branch in Bhayander East, Maharashtra, on June 4, 2025. This move signifies a focus on geographical diversification and enhancing customer reach.
- Debt Fund Raising: A board meeting is scheduled for June 24, 2025, to consider raising debt capital via debentures. This strategic move indicates plans to secure funding for further business expansion and growth initiatives.
Search interest for Mangal Credit & Fincorp Ltd stock has seen a significant surge, increasing by 110% in the last 30 days, reflecting growing investor attention. This heightened interest can be attributed to the company's strong financial performance and promising growth trajectory within the NBFC sector.
Key Strengths:
- Diversified lending product portfolio catering to various customer segments.
- Consistent and strong revenue and profit growth rates.
- Strategic expansion plans, including new branches and debt fundraising for growth.
Potential Risks:
- As with all lending businesses, investors should consider the inherent risks, including credit risk, asset-liability management challenges, and potential regulatory changes affecting the NBFC sector.
Mangal Credit & Fincorp Ltd's strategic focus on expansion, coupled with its solid financial performance and diversified offerings, positions it favorably in the Indian NBFC market. However, thorough due diligence is advised before making any investment decisions.
