JMJ Fintech Ltd (538834)
சுருக்கம்
நிகழ்வுகள்
- சமீபத்திய முடிவுகள்
- Q2 FY27, தாக்கல் செய்யப்பட்டது 3 நவ. 2026
- இயக்குநர் குழுக் கூட்ட அறிவிப்பு
- 25 ஆக. 2026
பங்குச் சந்தைத் தரவு. ஒவ்வொரு எண்ணும் அதன் சொந்தப் பக்கம் காட்டும் வடிவத்திலேயே; தேதிகள் தரவின் தேதிகள். தகவலுக்கு மட்டுமே, முதலீட்டு ஆலோசனை அல்ல.
📈 பங்கு விலை & நிகழ்வுகள்
Q2 FY27 முடிவுகள்
JMJ Fintech Ltd reported Q2 FY27 results on 3 Nov 2026: net interest income ₹3.7 Cr (-32.4% year on year, -14.7% on the previous quarter), and net profit ₹1.4 Cr (-51.5% year on year).
| Q2 FY27 (₹ கோடி) | மதிப்பு | YoY Q2 FY26-உடன் | QoQ |
|---|---|---|---|
| நிகர வட்டி வருமானம் | ₹3.7 | -32.4% | -14.7% |
| செயல்பாட்டு லாபம் | ₹1.9 | — | -27.0% |
| நிகர லாபம் | ₹1.4 | -51.5% | -27.0% |
| EPS (₹) | 0.38 | -50.6% | -26.9% |
- லாபம் அதன் சொந்தப் போக்கை விட -72% கீழே
அதன் சொந்தப் போக்குக்கு எதிராக: நிகர லாபம் ₹1.4 கோடியாக இருந்தது; இது, அதன் சமீபத்திய வளர்ச்சி சுட்டிக்காட்டிய ₹5.2 கோடியுடன் ஒப்பிடும்போது -72.4% ஆகும் (below trend). இது ஒரு புள்ளியியல் அடிப்படை மட்டுமே; ஆய்வாளர் மதிப்பீடு அல்ல.
📢 சமீபத்திய கார்ப்பரேட் அறிவிப்புகள்
JMJ Fintech's Board approved the appointment of Mr. Ankit Sundriyal as Chief Business Officer (Senior Management Personnel) effective November 16, 2026. Mr. Sundriyal brings over 16 years of financial services and co-lending operations experience, previously overseeing ₹5,000+ Cr AUM at EarlySalary. Concurrently, the Board reviewed Q2 FY27 unaudited results, reporting total revenue from operations of ₹4.76 Cr compared to ₹5.36 Cr in Q1 FY27 and ₹6.31 Cr in Q2 FY26. The Board also noted nil deviation in the utilization of Rights Issue proceeds.
- Appointed Ankit Sundriyal as Chief Business Officer effective November 16, 2026
- Appointee previously managed over ₹5,000+ Cr co-lending AUM at EarlySalary
- Reported Q2 FY27 Total Income of ₹476.33 Lakhs (₹4.76 Cr), down from ₹631.23 Lakhs in Q2 FY26
- Confirmed NIL deviation or variation in Rights Issue funds utilization
JMJ Fintech Limited has submitted its Statement of Deviation or Variation under Regulation 32 of SEBI LODR for the quarter ended September 30, 2026. The company confirmed that there has been no deviation or variation in the utilization of funds raised through its Rights Issue. A total of ₹26,32,54,777.80 was raised, comprising ₹26,08,78,254 from fully paid-up shares and call money, alongside ₹23,76,523.80 received on application for partly paid shares. The statement was duly reviewed by the Audit Committee on November 03, 2026.
- Total amount raised under the Rights Issue stands at ₹26,32,54,777.80
- Issued 2,48,45,548 fully paid-up equity shares at ₹10.50 each
- Issued 7,54,452 partly paid equity shares with ₹3.15 each paid on application
- Zero deviation or variation reported in the use of proceeds for the quarter ended September 30, 2026
JMJ Fintech reported total income of ₹4.76 Cr for Q2 FY27, down 11.2% QoQ from ₹5.36 Cr in Q1 FY27 and 24.5% YoY from ₹6.31 Cr in Q2 FY26. Net profit for the quarter fell 27.0% QoQ to ₹1.44 Cr compared to ₹1.97 Cr in the preceding quarter. The company also appointed Mr. Ankit Sundriyal as Chief Business Officer (Senior Management Personnel) effective November 16, 2026. On the recovery front, overdue customer accounts declined to 1,743 (totaling ₹1.40 Cr) from 2,443 (totaling ₹2.09 Cr) in Q1 FY27.
- Q2 FY27 Total Income dropped 11.2% QoQ to ₹4.76 Cr (vs ₹5.36 Cr in Q1 FY27)
- Q2 FY27 Net Profit stood at ₹1.44 Cr, falling 27.0% QoQ and 51.5% YoY (vs ₹2.97 Cr in Sep 2025)
- Appointment of Mr. Ankit Sundriyal as Chief Business Officer effective November 16, 2026
- Overdue customer accounts declined to 1,743 (₹1.40 Cr) from 2,443 (₹2.09 Cr) in Q1 FY27
- Zero deviation reported in the utilization of proceeds from its Rights Issue
JMJ Fintech's Board approved the issuance of secured, unlisted, unrated NCDs aggregating up to ₹7.00 crore on a private placement basis, offering coupon rates between 10.50% and 13.40%. The issue represents ~19.4% of the company's current market cap of ₹36 crore. Additionally, the Board approved increasing its loan limit/financial assistance to related party JMJ Finance Limited from ₹10 crore to ₹15 crore (representing ~26.8% of its ₹56 crore net worth), subject to shareholder approval. The company also announced key board re-designations, including appointing Mrs. Shiny Joju as Whole-time Director, subject to RBI and shareholder clearance.
- Approved private placement of secured, unlisted, unrated NCDs up to ₹7,00,00,000 (~19.4% of market cap).
- NCD coupon interest rates fixed at 10.50%, 12.00%, 12.50%, and 13.40% with subscription open from 28.10.2026 to 26.11.2026.
- Proposed increase in loan limit to related party JMJ Finance Limited from ₹10 Crores to ₹15 Crores.
- Cut-off date for shareholder voting via Postal Ballot set for October 23, 2026.
- Management reshuffle: Joju M. J. re-designated as Chairman & MD, Johny M. L. as Executive Director, and Shiny Joju appointed as Executive Director pending RBI approval.
JMJ Fintech Limited issued a corrigendum revising its earlier disclosure regarding the allotment of secured, unlisted, unrated NCDs on a private placement basis. The actual allotment is 1,900 NCDs aggregating to ₹1.90 crore, corrected from the previously reported ₹2.00 crore. The debentures carry fixed coupon rates of 12.00% (3-year tenure) and 12.50% (5-year tenure) payable monthly. Additionally, the Board authorized the Managing Director to avail loan facilities up to ₹5.00 crore from Shriram Finance Limited.
- Corrigendum rectifies NCD issue size to 1,900 debentures aggregating to ₹1.90 crore (previously ₹2.00 crore)
- NCDs issued at face value of ₹10,000 each on private placement basis, allotted on October 1, 2026
- Series I offers a 12.00% coupon over a 3-year tenure (maturing October 1, 2029)
- Series II offers a 12.50% coupon over a 5-year tenure (maturing October 1, 2031)
- Authorized loan facilities up to ₹5.00 crore from Shriram Finance Limited
JMJ Fintech's Board of Directors approved the allotment of 2,000 secured, unlisted, unrated NCDs of face value ₹10,000 each, raising up to ₹2.00 crore on a private placement basis. The NCDs carry fixed interest rates of 12.00% (3-year tenure) and 12.50% (5-year tenure), with monthly interest payouts. Additionally, the Board authorized borrowing facilities of up to ₹5.00 crore from Shriram Finance Limited. Together, the total new debt funding of ₹7.00 crore represents ~32% of TTM revenue (₹22 Cr) and ~19% of market cap (₹36 Cr), expanding lending liquidity.
- Allotment of 2,000 secured, unlisted, unrated NCDs of ₹10,000 face value each, totaling ₹2.00 crore
- NCD coupon set at 12.00% p.a. for Scheme 1 (3-year tenure) and 12.50% p.a. for Scheme 2 (5-year tenure)
- Authorization granted to borrow up to ₹5.00 crore from Shriram Finance Limited
- NCDs secured by first ranking pari passu charge on book debts and receivables with 1x asset cover
JMJ Fintech Ltd disclosed that its Managing Director and promoter group member, Joju Madathumpady Johny, acquired 3,50,500 equity shares via open market purchase on September 24, 2026. The total transaction value was Rs 33,57,383, representing an average price of approximately Rs 9.58 per share. Following this acquisition, his direct holding increased from 39,434 shares (0.10%) to 3,89,934 shares (1.04%). This insider purchase signals promoter alignment in a company with a market cap of approximately Rs 36 crore.
- Managing Director acquired 3,50,500 equity shares on September 24, 2026 via on-market purchase
- Total transaction value stood at Rs 33,57,383
- Direct shareholding increased from 39,434 shares (0.10%) to 3,89,934 shares (1.04%)
- Acquisition represents approximately 0.93% of the company's Rs 36 crore market capitalization
JMJ Fintech has deferred its proposed preferential issue of up to 7,90,000 equity shares aggregating to Rs 1.58 Crore, originally approved on August 18, 2026. The postponement is to further review and finalize the list of identified subscribers and related transaction details. Consequently, the resolution has been excluded from the upcoming AGM agenda, and the 43rd AGM has been rescheduled to September 29, 2026. The proposed fundraise represented approximately 4.4% of the company's Rs 36 Crore market capitalization.
- Postponed preferential allotment of up to 7,90,000 equity shares aggregating to Rs 1.58 Crore
- Proposed issue represented ~4.4% of current market cap of Rs 36 Crore
- 43rd Annual General Meeting rescheduled to Tuesday, September 29, 2026
- Original board approval for the issue was granted on August 18, 2026
JMJ Fintech Limited has announced a rescheduling of its Annual General Meeting (AGM), which will now be held on September 29, 2026, at 11:30 AM via Video Conferencing/OAVM, instead of the earlier date of September 17, 2026. The cut-off date for remote e-voting is set for September 22, 2026. The book closure period has been updated to run from September 23, 2026, to September 29, 2026 (both days inclusive). This is a routine administrative update and does not impact business operations.
- AGM rescheduled to Tuesday, September 29, 2026, at 11:30 AM via VC/OAVM
- Earlier scheduled AGM date was Thursday, September 17, 2026
- Cut-off date for remote e-voting set as Tuesday, September 22, 2026
- Book closure period scheduled from September 23, 2026, to September 29, 2026
JMJ Fintech Ltd has scheduled a Board of Directors meeting for August 31, 2026, to evaluate and formally approve the proposal to postpone and keep in abeyance its proposed preferential issue of equity shares. Consequently, the Board will also review a revised draft Notice of the upcoming Annual General Meeting (AGM) that removes the preferential allotment resolution. The trading window for the company's securities remains closed until 48 hours after the declaration of the board meeting outcome.
- Board meeting scheduled for August 31, 2026 via VC/OAVM mode
- Agenda includes postponing and keeping the proposed preferential issue in abeyance
- Revised AGM notice to be approved, excluding the preferential allotment resolution
- Trading window closed until 48 hours after the declaration of the board meeting outcome
JMJ Fintech's Board has approved a preferential issue of 7.90 lakh equity shares at Rs 20 per share (face value Rs 10 plus premium of Rs 10), raising Rs 1.58 crore from 48 non-promoter individuals. Notably, the issue price of Rs 20 is at a significant premium to the prevailing market price of Rs 9.40 and well above the valuation floor price of Rs 9.95. The Board also recommended a final dividend of Rs 0.15 per share for FY26, fixing September 10, 2026, as the record date. Additionally, CA Methil Rajalakshmy was appointed as an Independent Director, and key board committees were reconstituted.
- Approved preferential issue of 7,90,000 equity shares at Rs 20 each, raising Rs 1.58 crore.
- Issue price of Rs 20 exceeds the minimum floor price of Rs 9.95 determined by the registered valuer.
- Recommended final dividend of Rs 0.15 per share (FV Rs 10) for FY26; Record date is September 10, 2026.
- Post-issue shares will expand from 3,76,45,548 to 3,84,35,548, mildly reducing promoter holding from 23.74% to 23.25%.
- Appointed CA Methil Rajalakshmy as Additional Non-Executive Independent Director for 1 year.
JMJ Fintech has scheduled a board meeting for August 18, 2026, to recommend a final dividend for FY 2025-26 and approve a preferential issue of up to 16,00,000 equity shares. The company reported a strong FY26 with a PAT of ₹7.6 Cr on revenue of ₹21.99 Cr, providing a solid base for dividend distribution. The preferential issue, representing approximately 4.2% of the current market cap at current prices, will be used to raise capital. Additionally, the board will appoint CA Methil Rajalakshmy as an Independent Director.
- Board meeting scheduled for August 18, 2026, to approve final dividend and fundraise.
- Proposed preferential issue of up to 16,00,000 equity shares to raise capital.
- FY26 annual net profit stands at ₹7.6 Cr, supporting the dividend recommendation.
- Appointment of CA Methil Rajalakshmy as an Additional Independent Director effective August 18, 2026.
- Record date and book closure for the AGM and dividend to be finalized during the meeting.
JMJ Fintech has submitted its statement of deviation for the quarter ended June 30, 2026, confirming that funds raised through its 2025 Rights Issue are being utilized as per the original objects. The company raised a total of ₹26.33 crore through the issuance of 2.48 crore fully paid-up and 7.54 lakh partly paid-up equity shares. The Audit Committee reviewed the utilization on August 10, 2026, and found no variations from the Letter of Offer dated July 12, 2025. This filing is a standard regulatory requirement for companies with unutilized or recently utilized issue proceeds.
- Total amount raised under the Rights Issue stands at ₹26,32,54,777.80
- Issued 2,48,45,548 fully paid-up equity shares at ₹10.50 per share
- Issued 7,54,452 partly paid-up equity shares at ₹3.15 per share
- Funds were raised on August 21, 2025, following a Letter of Offer dated July 12, 2025
- Zero deviation or variation reported in the use of proceeds for the quarter ended June 30, 2026
JMJ Fintech has scheduled a board meeting on August 10, 2026, to approve Q1 FY27 results and a dual-track fundraise. The proposal includes a preferential issue of up to 16,00,000 equity shares and the issuance of Non-Convertible Debentures (NCDs). Notably, the filing contains a discrepancy regarding the NCD amount, citing '32,00,00,000' in digits but 'Two Crores' in words. Given the company's small market cap of Rs 36 Cr, the outcome of this meeting is material for its capital structure and lending capacity.
- Board meeting scheduled for August 10, 2026, to approve Q1 FY27 unaudited results.
- Proposal for preferential issue of up to 16,00,000 equity shares, representing approximately 4.2% dilution based on current market cap.
- Issuance of Secured, Unlisted, Unrated, Redeemable NCDs on a private placement basis.
- Conflicting NCD amount stated in document: Rs 32,00,00,000 (digits) vs Rs 2,00,00,000 (words).
- Shareholder approval for the equity issue to be sought at the upcoming Annual General Meeting.
நிறுவனச் சுயவிவரம்
நிதிச் செயல்திறன்
இந்த நிறுவனத்துக்கான நிதிப் பகுப்பாய்வுத் தரவு இன்னும் கிடைக்கவில்லை.
செயல்பாட்டு உந்துசக்திகள்
இந்த நிறுவனத்திற்கான செயல்பாட்டுப் பகுப்பாய்வுத் தரவு இன்னும் கிடைக்கவில்லை.
வியூக வளர்ச்சி
இந்த நிறுவனத்துக்கான வியூக வளர்ச்சிப் பகுப்பாய்வு இன்னும் கிடைக்கவில்லை.
வெளிப்புறக் காரணிகள்
இந்த நிறுவனத்துக்கு வெளிப்புறக் காரணிகளின் பகுப்பாய்வு இன்னும் கிடைக்கவில்லை.
ஒழுங்குமுறை & நிர்வாகம்
இந்த நிறுவனத்திற்கான ஒழுங்குமுறைப் பகுப்பாய்வு இன்னும் கிடைக்கவில்லை.
அபாயப் பகுப்பாய்வு
இந்நிறுவனத்துக்கான அபாய பகுப்பாய்வு இன்னும் கிடைக்கவில்லை.
