JMJ Fintech Ltd (JMJFIN) Share Price & Fundamentals

What we do

JMJ Fintech Ltd is an RBI-registered Non-Banking Financial Company offering secured loans to individuals, MSMEs, corporates, and HNIs across India, focusing on financial inclusion and consulting services.

Founded in

1,982

Market share

A respected mid-sized NBFC with a growing pan-India footprint and over 24,000 customers, expanding in key economic corridors.

Problem solved

Provides credit access secured by assets to underserved segments like MSMEs and individuals, facilitating business growth and personal financing needs.

Top clients or who we serve

Individuals, Micro, Small & Medium Enterprises, Corporate Clients, High Net-worth Individuals; primarily B2B and B2C segments.

Key management

Promoter & Executive Chairman Mr. Johny Madathumpady Lonappan; Managing Director Mr. Joju Madathumpady Johny; independent directors with relevant expertise.

Our journey and innovations

Incorporated in 1982; renamed in 2022; consistent profit growth; expanding digital outreach; no bad debts; strategic consulting in mergers and acquisitions.

Where we operate

Pan-India presence with branches in Tamil Nadu, Kerala, Karnataka, Maharashtra, and Puducherry, focusing on semi-urban and rural markets.

Top products or what we offer

Secured personal, business, corporate, gold, property, and term loans; financial consulting including fund raising and strategic advisory.

Top brands

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Raw materials needed

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Raw materials supplier

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Recurring vs cyclical contribution

Revenue predominantly from interest income on loans, providing a steady recurring income stream with controlled risk measures.

Our industry position

Emerging NBFC with steady asset and profit growth, well-positioned in secured lending and advisory services in regional markets.

Financial highlights

FY 2024-25 revenue Rs.1714.72 Lakhs; net profit Rs.516.91 Lakhs; diversified income with robust expense control; increasing shareholder equity.

Geographical revenue split

Revenue majorly from Southern and Western Indian states including Tamil Nadu, Kerala, Karnataka, Maharashtra, and Puducherry.

Order book

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Whats driving growth

Expanding secured lending portfolio targeting MSMEs and individuals, prudent risk management, digital adoption, and increased economic activity.

Our future plans

Scale loan book sustainably, deepen market penetration, diversify financial products, leverage technology, and enhance customer experience.

Our green promise

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Our people and values

Dedicated workforce of around 173 employees with emphasis on integrity, customer centricity, inclusion, and corporate ethics.

Key challenges ahead

Managing credit risk amid economic uncertainties and regulatory compliance while scaling operations and adopting new technologies.

Interesting facts

No bad debts reported; successful transition to listed entity; consistent dividend pay-out; strong governance with multiple board committees.

Risks and strategy

Focus on secured lending to mitigate defaults; strong audit and risk committees; disciplined financial management; diversification to withstand economic shifts.