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UNLISTED COMPANY PROFILE

MIDLAND MICRO FINANCE LIMITED

FINANCIALS LINE
INDICATIVE PRICE / SHARE
₹195
▲ +0.0% · 30-DAY
OTC REFERENCE PRICE · NOT AN OFFER TO DEAL
PRICE AS OF 03 SEPT 2026
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INDICATIVE PRICE HISTORY · DATED OBSERVATIONS SINCE 2023

PRICE HISTORY.

Use the left and right arrow keys to inspect dated observations. Home selects the first observation and End selects the latest.

₹195
₹104
26 Jun 2304 Apr 2603 Sept 26

ALL-TIME LOW
₹104
ALL-TIME HIGH
₹195
WINDOW
ALL
NOT A STOCK-EXCHANGE QUOTE · NOT AN OFFER TO DEAL
THE TIMETABLE · KEY NUMBERS

Key numbers

Published fundamentals and the date each figure was recorded.

CALCULATION METHOD →
Market cap
₹1,021 Cr
Latest available company data
Min. investment
₹10,725
Indicative price × lot size
Lot size
55
P/E ratio
38.24
P/B ratio
2.05
EPS
5.1
ROE
14.77%
Book value
₹95.01
Face value
₹10
Debt / equity
3.79
ISIN
INE884Q01015
Company security identifier
THE BUSINESS · HOW IT EARNS

Midland Microfin Limited is an NBFC-MFI operating a domestic financing business. It provides individual loans and joint-liability-group loans, with the FY2024-25 annual report showing maximum individual and group-loan amounts of ₹150,000 and ₹80,000, respectively. Its lending model is centered on JLG borrowers and business loans for women and low-income entrepreneurs. The company originates and manages loans through a branch network, supported by technology, risk management and credit-discipline processes. At March 31, 2025 it reported 517 branches across 12 states and two union territories, serving 997,776 borrowers. It also had assigned, securitised and business-correspondent portfolio balances alongside its own-book portfolio. The financial statements describe its operating segment as financing and its geographical segment as domestic. Funding and operational oversight are reflected through its ALM and risk-management structures.

About this company

Midland Microfin Limited (sometimes referenced as Midland Micro Finance Limited) is a non-banking financial company classified by the Reserve Bank of India as an NBFC-MFI (microfinance institution). Headquartered in Jalandhar, it is widely described as the first Punjab-based microfinance institution, with microfinance operations established in 2011. The company's core focus is the financial and social empowerment of women in semi-urban and rural India, primarily through small, collateral-free joint-liability group business loans that help borrowers fund and grow micro-enterprises and livelihood activities. The business model centres on doorstep lending to low-income women borrowers, supported by a field-officer network and group-based credit discipline. Over time, Midland Microfin has expanded its operating footprint well beyond Punjab into states including Haryana, Rajasthan, Uttar Pradesh, Bihar, Jharkhand and Gujarat, alongside the Chandigarh region, operating through a branch network spanning a few hundred locations. Its loan book and active borrower base have grown into the lakhs of customers, positioning it among the established regional microfinance players in northern and central India. On the funding side, the company raises resources through bank borrowings, term loans and debt instruments; its non-convertible debentures (debt securities) are listed on BSE, while its equity shares remain unlisted and are not traded on the NSE or BSE main board. Reported figures have shown revenue from operations rising into the several-hundred-crore range and profitability improving year on year, with disclosed metrics covering gross NPA, return ratios and capital adequacy typical of the microfinance sector. In the unlisted market, Midland Microfin draws interest as a pure-play microfinance and financial-inclusion story tied to India's under-served credit segment, a growing branch network, and the broader investor attention that NBFC-MFIs attract ahead of any potential public listing. As a regulated NBFC-MFI, its performance is sensitive to interest-rate cycles, asset-quality trends, rural economic conditions and evolving RBI microfinance norms. The information here is descriptive and for general awareness only.

COMPANY AT A GLANCE
Sector lineFinancials
SettlementNSDL / CDSL
Incorporated1988
Listing statusUnlisted / Pre-IPO
*INDICATIVE · TIMELINE MAY CHANGE · NOTHING FINAL UNTIL THE RHP

COMPANY REGISTRY · ON FILE

PUBLIC OR ADMIN-SUPPLIED DATA · VERIFY INDEPENDENTLY
CIN
U65921PB1988PLC008430
PAN
AAGCS6186A
Incorporated
1988
Outstanding shares
5,23,73,407 (52,373,407) shares
Registered office
The Axis, Plot No. 1, R.B. Badri Dass Colony, BMC Chowk, G.T. Road, Jalandhar-144001 (Punjab), India
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THE LOGBOOK · FINANCIALS BY YEAR

WHAT THE ENGINE HAS DONE.

AMOUNT UNIT NOT VERIFIEDFY22FY23FY24FY25
REVENUE21,90035,40053,08763,571
PAT2,2004,6837,2162,667
EPS (₹)510165
PAT MARGIN10%13%14%4%
CAUTION · AMOUNT UNIT AND FIELD-LEVEL SOURCES HAVE NOT BEEN VERIFIED · DO NOT RELY ON THESE FIGURES WITHOUT CHECKING THE COMPANY FILING

THE CREW · BOARD & MANAGEMENT

Vijay Kumar Bhandari
Chairman
Amardeep Singh Samra
Managing Director
Parveen Kumar Gupta
Independent Director
Shant Kumar Gupta
Independent Director
Ashwani Kumar Jindal
Independent Director
Sachin Kamath
Nominee Director
Kamna Raj Aggarwalla
Independent Director
Santokh Singh Chhokar
Non-Executive Director
COMPANY TIMELINE · EVENTS
Vijay Kumar Bhandari ceased to be a director following his death. (8 Oct 2024)
READ THE NOTICE →
Parveen Kumar Gupta was appointed Chairman of Midland Microfin Ltd. (28 Jul 2025)
READ THE NOTICE →
THE GLOVEBOX · ANNUAL REPORTS
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NON-BINDING · NO PAYMENT · NOT AN OFFER TO DEAL
RESEARCH DESK · QUESTIONS

COMMON QUESTIONS.

Is Midland Micro Finance Limited listed on the stock exchange?+

No. As of 3 September 2026, Midland Micro Finance Limited is an unlisted company whose shares trade over-the-counter; it would list only if and when it completes an IPO.

What is the Midland Micro Finance Limited unlisted share price?+

As of 3 September 2026, the indicative unlisted share price of Midland Micro Finance Limited is ₹195 per share. This is an over-the-counter reference price, not a stock-exchange quote.

What indicative minimum amount is displayed for Midland Micro Finance Limited unlisted shares?+

The displayed unit count is 55 share(s); at the indicative price of about ₹195, the displayed amount is approximately ₹10,725. This is a display convention, not evidence of inventory, an order minimum or a quote.

What is the ISIN of Midland Micro Finance Limited?+

The recorded ISIN of Midland Micro Finance Limited is INE884Q01015. An ISIN is a 12-character security identifier. Verify it against the issuer and the relevant depository record before using it for any transfer or documentation.

Is trading in Midland Micro Finance Limited unlisted shares legal in India?+

Unlisted shares can be transferred off-market in India, but the legal, tax and compliance position depends on the security, parties, documents and current rules. Verify the intermediary, issuer restrictions and applicable requirements before proceeding.

Is there a lock-in period for unlisted shares?+

A post-listing lock-in may apply under the rules in force at the time. The period and any exemptions can depend on the holder and acquisition, so check the current regulation and the issuer's offer documents rather than relying on a generic period.

Do you guarantee returns?+

No. Unlisted shares carry higher risk and lower liquidity than listed shares. Returns depend on company performance, market conditions and future listing outcomes. This is information only, not investment advice.

SIMILAR COMPANY PROFILES
FINANCIALS LINE.
Prices shown are indicative over-the-counter reference prices, not an offer to deal. This page is information only and not investment advice. Unlisted shares carry higher risk and lower liquidity than listed shares. Settlement to your own demat account via NSDL / CDSL through registered intermediaries.
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