What we do Money Masters Leasing & Finance Limited is a non-banking finance company specializing in hire-purchase and leasing finance primarily for SMEs, retail, and commercial customers across India. |
Founded in 1,994 |
Market share Maintains strong presence in asset financing with asset financing ratio above RBI norms; focus on small and medium enterprises. |
Problem solved Provides asset-backed financing solutions to entrepreneurs and SMEs, facilitating business startup and growth by financing machinery, vehicles, and equipment. |
Top clients or who we serve Small and medium business enterprises including retail and commercial clients across urban and rural India; B2B and B2C segments. |
Key management - |
Our journey and innovations Established in 1994, obtained NBFC license in 1998, ceased public deposits in 2011, migrated to BSE Main Board in 2024, continually expanded capital base and services. |
Where we operate India, with significant urban and rural outreach across the country. |
Top products or what we offer Hire-purchase finance, leasing finance, consumer finance, public vehicle finance, and secured loans against machinery and equipment. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue largely driven by recurring hire-purchase and loan repayments providing steady cash flow. |
Our industry position A well-established NBFC with consistent compliance, asset financing above 60% norm, and a diversified lending portfolio supporting SMEs and retail segments. |
Financial highlights Total income Rs. 214.21 lakhs, profit after tax Rs. 51.19 lakhs for FY 2024-25; steady growth and solid capital adequacy ratio of 59.17%. |
Geographical revenue split Operating entirely within India; no foreign earnings reported. |
Order book - |
Whats driving growth Growth propelled by asset financing to SMEs, prudent risk management, and strategic capital augmentation including recent equity rights issue plans. |
Our future plans Plans include rights issue to raise up to Rs. 49 crore, increasing authorized capital, and strengthening financial position for growth. |
Our green promise - |
Our people and values Small employee base of 6, commitment to inclusive policies like maternity benefits and sexual harassment prevention; strong corporate governance. |
Key challenges ahead Competition in NBFC space, regulatory compliance, asset quality maintenance, and managing growth capital requirements. |
Interesting facts Successfully migrated from BSE SME to Main Board in 2024, implemented share subdivision to attract investors, and maintained asset financing above RBI norms consistently. |
Risks and strategy Focus on risk management policy, asset-backed financing to limit credit risk, regular board evaluation, and compliance with RBI and SEBI regulations. |
