JMJ Fintech reported a 47% year-on-year increase in profit after tax to ₹7.59 crore for the financial year ended March 31, 2026. Total income rose over 28% to ₹21.99 crore, driven by expansion in loan assets which stood at ₹71.69 crore at year-end.

The company announced these results during its 43rd Annual General Meeting held on September 29, 2026, via video conference. The Board recommended a final dividend of ₹0.15 per equity share of face value ₹10, subject to shareholder approval.

Financial performance and asset quality

The NBFC maintained stable asset quality metrics alongside its revenue growth. As of March 31, 2026, the Gross Non-Performing Assets (GNPA) ratio was 3.32%, while the Net Non-Performing Assets (NNPA) ratio stood at 2.26%.

Strategic initiatives and governance

During the meeting, Managing Director Joju Madathumpady Johnny highlighted the launch of "Money bro," the company's new digital lending application, as a key development for the year. He emphasized the firm's focus on responsible growth and strengthening internal processes.

Shareholders approved all resolutions set out in the AGM notice, including:

• Adoption of annual accounts for FY26
• Re-appointment of Whole-Time Director Johnny Madathumpady Lonappan
• Declaration of the final dividend
• Regularization of CA Methil Rajalakshmy as an Additional Independent Director

What the numbers show

The disparity between the 28% revenue growth and the 47% profit growth indicates significant operating leverage or margin expansion within JMJ Fintech's business model. While loan assets grew to ₹71.69 crore, the relatively low NNPA of 2.26% suggests that this asset expansion was achieved without a corresponding deterioration in credit quality, supporting the higher profitability.

JMJ Fintech Limited has scheduled a Board of Directors meeting for Thursday, October 1, 2026. The primary agenda involves considering the allotment of Non-Convertible Debentures (NCDs) on a private placement basis and authorizing the Managing Director to secure necessary financial assistance.

The meeting will be conducted via Video Conference (VC) mode. In addition to the NCD allotment, the Board will authorize the Managing Director to avail loan facilities from Banks and Financial Institutions as required by the company. The agenda also includes any other business with the permission of the Chair.

Regulatory Compliance and Trading Window

The intimation was filed pursuant to Regulation 29 and other applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The company confirmed that the Trading Window for dealing in its securities remains closed in accordance with the SEBI (Prohibition of Insider Trading) Regulations, 2015, and the Company's Code of Conduct.

The trading window is set to re-open 48 hours after the declaration or outcome of the Board Meeting. This restriction ensures compliance with insider trading norms during the sensitive period leading up to the announcement of the board's decisions.

Meeting Details

The filing was signed by Vidya Damodaran, Company Secretary and Compliance Officer, on September 26, 2026. JMJ Fintech is a BSE-listed Non-Banking Financial Company.