JMJ Fintech Limited is set to convene its Board of Directors on August 10, 2026, to review its financial performance for the first quarter of FY26 and approve significant capital raising measures. The meeting, scheduled via video conference, aims to finalize the unaudited results for the quarter ended June 30, 2026, while simultaneously addressing proposals for equity and debt issuance to strengthen the company's capital structure.

The primary agenda includes the approval of a preferential issue of up to 16,00,000 Equity Shares. This move is intended to raise fresh equity capital, subject to compliance with the Companies Act, 2013, and the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018. Additionally, the Board will consider the issuance of Secured, Unlisted, Unrated, Redeemable, Non-Convertible Debentures (NCDs) aggregating up to ₹2,00,00,000 (Rupees Two Crores only) on a private placement basis.

Capital Raise Details

The proposed fundraising activities involve both equity and debt instruments, requiring specific regulatory and shareholder approvals. The details of the proposed issuances are outlined below:

Regulatory Compliance and Shareholder Approval

Pursuant to Regulation 29 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, JMJ Fintech Limited has notified the Bombay Stock Exchange regarding the meeting. The company will seek shareholder approval for the preferential issue of equity shares during its ensuing Annual General Meeting, as mandated by law. All issuances remain subject to necessary statutory and regulatory clearances.

Trading Window Closure

In adherence to the SEBI (Prohibition of Insider Trading) Regulations, 2015, and the company’s Code of Conduct for Prevention of Insider Trading, the trading window for dealing in JMJ Fintech Limited’s securities remains closed. This restriction will persist until 48 hours after the declaration of the outcome of the Board Meeting, ensuring fair disclosure practices and preventing insider trading during the sensitive period surrounding the release of financial results and capital allocation decisions.

JMJ Fintech Limited reported a net profit of ₹174.67 lakh for the fourth quarter ended March 31, 2026 (Q4FY26), a sharp increase from ₹66 lakh in Q4FY25. The BSE-listed non-banking financial company (NBFC) posted total income of ₹540.62 lakh and EBITDA of ₹332 lakh for the period, reflecting improved operational efficiency and lower provisioning costs compared to the previous year.

The investor presentation was submitted to the Bombay Stock Exchange on August 5, 2026, pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The filing details the company’s financial performance for FY26 and outlines its strategic outlook for accelerated loan book expansion and digital lending ecosystem growth.

Financial Performance in Q4FY26

Interest income, the primary revenue driver, stood at ₹519.56 lakh in Q4FY26, up from ₹512.98 lakh in Q3FY26. Other income contributed ₹21.06 lakh. Total expenses were contained at ₹308.51 lakh, with finance costs at ₹92.42 lakh and employee benefits expenses at ₹107.48 lakh. Notably, the provision for non-performing assets (NPA) was minimal at ₹0.86 lakh, compared to ₹7.63 lakh in the preceding quarter, aiding bottom-line growth.

For the full fiscal year FY26, JMJ Fintech recorded a net profit of ₹759.83 lakh, up from ₹516.91 lakh in FY25. Revenue from operations totaled ₹2,199.38 lakh, driven by interest income of ₹2,159.61 lakh. EBITDA for the year reached ₹1,374.27 lakh, maintaining a robust margin of 62.48%.

Balance Sheet Strength

The company’s balance sheet strengthened considerably during FY26. Net worth rose to ₹5,603.45 lakh at the end of Q4FY26, up from ₹2,361 lakh in Q4FY25. This growth was supported by an increase in equity share capital to ₹3,726.91 lakh and reserves & surplus reaching ₹1,876.54 lakh. Loans and advances, the key asset class, expanded to ₹7,169.35 lakh, up from ₹4,265.33 lakh in FY25. Subordinated debts increased to ₹3,227.47 lakh, indicating active capital raising to fund asset growth.

What the Numbers Show

The divergence between revenue growth and margin expansion highlights operational leverage. While total income grew moderately, the significant reduction in NPA provisions—from ₹7.63 lakh in Q3FY26 to just ₹0.86 lakh in Q4FY26—directly boosted net profitability. Furthermore, the return on net worth improved to 13.56% in FY26, up from 6.50% in FY23, signaling better capital utilization. The debt-to-equity ratio remained healthy at 0.58, providing room for further leverage if needed for expansion.