Any current/future new fundraising through debt or equity?

The company recently completed an IPO, raising ₹33.2 crore. The funds from the IPO are being utilized for repayment, enhancing digital infrastructure, and supporting working capital needs. There is no explicit mention of any current or future plans for additional fundraising through debt or equity in the provided transcript.

Any current/future capex/capital investment/strategic investment?

Recently raised Rs. 33.2 crores through IPO to fund repayment, enhance digital infrastructure, and support working capital needs. Investing in digital and technology infrastructure to improve operational efficiency and customer experience. Expanding network by adding more sub-DSA brokers to scale operations and enhance customer reach. Launched gold loans and mutual fund distribution as part of product diversification. Partnered exclusively with UGRO Financial to provide green financing solutions, including solar rooftop projects for MSMEs. Exploring growth in solar energy financing with loans

Future growth expectations in sales/revenue/volumes?

Franchisee network rapidly expanding with more than 154 branches added every day; 60 are core branches generating good volume and profitability. Focus on acquiring experienced bankers and financial professionals to nurture under low-margin but scalable ecosystem, expecting higher profitability within 2-3 years. Launch of gold loan business expected to grow revenue further. Credit card and insurance businesses growing, with credit cards projected to constitute 20-25% of total volume via bundled product offerings. Mutual fund distribution introduced to diversify product portfolio and cro

Future growth expectations in earnings/operating earnings/profits/EPS?

Profitability expected to gradually grow with expansion into lower commission/rental markets like Muzaffarnagar versus Patna. Franchisee network rapidly expanding, adding branches daily across various states, expected to enhance revenue and profits. Within 2-3 years, profitability anticipated to increase significantly through acquiring and training experienced financial sector professionals operating on low margins. New product lines such as gold loans and credit cards, with bundled offerings, expected to contribute to revenue growth (credit cards projected to grow 20-25% of total volume). Mut

My Mudra Fincorp LtdQ2 FY25Finance

My Mudra Fincorp Ltd Q2 FY25 Earnings Call Analysis

Revenue, margin, capex, fundraise and order book outlook from management commentary.

Price: ₹94.4P/E: 9.0Market Cap: ₹108 CrSector: Finance

Management growth scorecard

Revenue

Category 2

Margin

Category 3

Fundraise

N/A

Order

N/A

Capex

Yes

1 of 3 growth signals are positive — mixed outlook.

Full analysis

Revenue guidance

Category 2

Franchisee network rapidly expanding with more than 154 branches added every day; 60 are core branches generating good volume and profitability.
Focus on acquiring experienced bankers and financial professionals to nurture under low-margin but scalable ecosystem, expecting higher profitability within 2-3 years.
Launch of gold loan business expected to grow revenue further.
Credit card and insurance businesses growing, with credit cards projected to constitute 20-25% of total volume via bundled product offerings.
Mutual fund distribution introduced to diversify product portfolio and cross-sell to existing customers, aiding revenue growth.
Expansion into solar rooftop financing and MSME sectors planned, opening new revenue streams.
Emphasis on phygital (physical + digital) presence targeting underserved and emerging markets for sustainable scalable growth.
Listing on NSE Emerge enhances credibility and capital access to support future expansion and operational scaling.

Margin guidance

Category 3

Profitability expected to gradually grow with expansion into lower commission/rental markets like Muzaffarnagar versus Patna.
Franchisee network rapidly expanding, adding branches daily across various states, expected to enhance revenue and profits.
Within 2-3 years, profitability anticipated to increase significantly through acquiring and training experienced financial sector professionals operating on low margins.
New product lines such as gold loans and credit cards, with bundled offerings, expected to contribute to revenue growth (credit cards projected to grow 20-25% of total volume).
Mutual fund distribution initiated, likely to diversify revenue streams with potential for cross-selling.
H1 FY25 showed 5% YoY revenue growth, 50% YoY EBITDA growth with 14.4% margin, and 38% PAT growth with 8.5% margin, indicating strong operational improvement.
Investment in digital infrastructure and expansion in tier-2/3 markets expected to drive sustainable growth.

See what My Mudra Fincorp Ltd management said on margin guidance — free account, 30 seconds.

Fundraise plans

The company recently completed an IPO, raising ₹33.2 crore.
The funds from the IPO are being utilized for repayment, enhancing digital infrastructure, and supporting working capital needs.
There is no explicit mention of any current or future plans for additional fundraising through debt or equity in the provided transcript.

Order book

The provided transcript does not explicitly mention the current or expected order book or pending orders for My Mudra Fincorp Limited. However, the following related points are noted: - The company has a monthly disbursement run rate of approximately Rs. 200 crores. - They have over 154 branches growing daily, including 9 owned and 60 high-volume "My Mudra" branches. - They are expanding product lines (credit cards, insurance, gold loans, mutual funds). - New branch openings in multiple states planned (e.g., Basti, Himachal, Bihar, Delhi). - Collaborations such as with UGRO Financial for green financing indicate pipeline growth. - The company aims to nurture and acquire experienced bankers and develop a profitable ecosystem over 2-3 years. No direct numeric order book or pending order figures were disclosed in the transcript.

See what My Mudra Fincorp Ltd management said on order book — free account, 30 seconds.

Capex plans

Yes

Recently raised Rs. 33.2 crores through IPO to fund repayment, enhance digital infrastructure, and support working capital needs.
Investing in digital and technology infrastructure to improve operational efficiency and customer experience.
Expanding network by adding more sub-DSA brokers to scale operations and enhance customer reach.
Launched gold loans and mutual fund distribution as part of product diversification.
Partnered exclusively with UGRO Financial to provide green financing solutions, including solar rooftop projects for MSMEs.
Exploring growth in solar energy financing with loans up to Rs. 300 lakhs and long tenors up to 90 months.
Continuously opening new branches across various states to strengthen physical presence.

Track My Mudra Fincorp Ltd — get its next earnings analysis in your feed

How does My Mudra Fincorp Ltd rank vs peers in Finance?

Pro feature

ThisMy Mudra Fincorp Ltd

Rev 2Mar 3

See where My Mudra Fincorp Ltd sits in FinanceSee which companies these are, and every other name in the sector.Open rankings

How does My Mudra Fincorp Ltd rank in Finance?

Compare My Mudra Fincorp Ltd against every Finance company (Q2 FY25) on revenue, margins and earnings-call signals.

View Finance leaderboard →

What My Mudra Fincorp Ltd's management said in earlier quarters

Q2 FY25 earnings call →

Others in Finance this season

Industrial Investment Trust Ltd (Q2 FY27)
Revenue from Operations (Standalone) for Q2 Sept 30, 2026: ₹1,078.16 lakhs, vs. Key results statement takeaways from Industrial Investment Trust Ltd's Q2 FY27 e
MASK INVESTMENTS (Q2 FY27)
The Cash Flow Statement (page 6) shows a significant decrease in unsecured loans by ₹27.65 lakhs during the half year ended 30th September 2026, indicating…
Muthoot Finance Ltd (Q2 FY27)
Total Income: ₹100,108 Mn (up 36% YoY from ₹72,990 Mn) . Key investor presentation takeaways from Muthoot Finance Ltd's Q2 FY27 investor presentation — and how
Nahar Capital & Financial Services Ltd (Q2 FY27)
1,305.36 lakhs implies an operating margin of approximately 84.5% (1,305.36 / 1,544.82) . Key results statement takeaways from Nahar Capital & Financial Service

Compare:vs Bajaj Finance vs Bajaj Finserv vs Shriram Finance Ltd

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →