JMJ Fintech Limited has reported a robust financial performance for the quarter and half-year ended September 30, 2025, marking significant growth in profitability and revenue. The company's unaudited financial results reveal a substantial increase in net profit and a notable expansion in its cash reserves.

Financial Highlights

The fintech company's financial results showcase impressive growth:

JMJ Fintech's net profit surged by 159.52% to Rs 2.97 crore, up from Rs 1.14 crore in the previous period. The company's revenue also saw a healthy increase of 24.40%, reaching Rs 6.31 crore compared to Rs 5.07 crore earlier.

Strengthened Financial Position

The company's financial position has significantly improved:

• Cash and Cash Equivalents: Increased to Rs 13.21 crore from Rs 1.92 crore as of March 31, 2025, indicating a substantial improvement in liquidity.
• Loan and Advances Portfolio: Remained stable at Rs 42.26 crore, suggesting consistent lending operations.

Operational Efficiency

The internal audit report highlights improved operational efficiency:

• Collection Effectiveness: The company witnessed a drastic fall in due amounts during the reporting period, indicating enhanced collection strategies.
• Due Customers: The number of due customers decreased from 6,040 in Q1 2025-26 to 4,139 in Q2 2025-26.
• Total Due Amount: Reduced from Rs 5.33 crore to Rs 3.24 crore, showcasing improved recovery processes.

Strategic Initiatives

JMJ Fintech is poised for future growth with key strategic decisions:

• Digital Transformation: The Board has authorized the Managing Director to finalize the acquisition of digital products and introduce digital services.
• Profitability Ratio: The net profit percentage improved significantly from 22.56% in Q1 2025-26 to 47.06% in Q2 2025-26.

Compliance and Governance

The company maintains strong compliance and governance practices:

• Independent Auditor's Review: Mahesh C. Solanki & Co., Chartered Accountants, conducted a review of the financial results, finding no material misstatements.
• Regulatory Compliance: The financial results comply with Indian Accounting Standard 34 and SEBI regulations.

JMJ Fintech's impressive Q2 results, coupled with its focus on digital transformation and improved operational efficiency, position the company for continued growth in the fintech sector. The significant increase in cash reserves and profitability ratios suggests a strengthening financial foundation, which may support the company's expansion plans and digital initiatives in the coming quarters.

JMJ Fintech Limited has announced September 18, 2025, as the record date for its proposed final dividend of 25 paise per equity share for the financial year ended March 31, 2025. This decision follows the Board of Directors' recommendation made during their meeting on August 12, 2025.

Dividend Details

Shareholder Approval and Payment Timeline

The dividend recommendation is subject to shareholder approval at the upcoming 42nd Annual General Meeting (AGM) scheduled for September 25, 2025. If approved, the dividend will be paid within 30 days from the conclusion of the AGM, subject to applicable tax deductions at source.

Eligibility Criteria

JMJ Fintech has outlined the eligibility criteria for dividend recipients:

1. Beneficial owners of shares held in dematerialized form, as per data provided by NSDL and CDSL at the close of business hours on September 18, 2025.
2. Members holding shares in physical form, after accounting for valid transmission or transposition requests lodged with the company by the close of business hours on September 18, 2025.

Company Background

JMJ Fintech Limited, formerly known as Meenakshi Enterprises Limited, is a Non-Banking Financial Company (NBFC). The company's registered office is located in Coimbatore, Tamil Nadu.

Investors and stakeholders can find additional information about the dividend announcement on the company's official website at https://jmjfintechltd.com/ .

JMJ Fintech's dividend announcement reflects its commitment to delivering value to its shareholders while operating in the fintech industry.