MAS Financial Services Ltd.
Snapshot View

807.60 -6.65 ▼-0.8%

03 August 2021, 03:32:00 P.M.
Volume: 2,316

Overview View Details

Sector Finance Compare with Sector peers
Industry Finance Term Lending Compare with Industry peers
Website http://www.mas.co.in
Financial Indicators
Market Cap 4,450.86 Cr.
Earnings per share (EPS) 26.41 Trailing Twelve Months Ending 2021-03
Price-Earning Ratio (PE) 30.83 Trailing Twelve Months Ending 2021-03
Industry PE 4.82 Trailing Twelve Months Ending 2021-03
Book Value / Share 215.85 Trailing Twelve Months Ending 2021-03
Price to Book Value 3.77 Calculated using Price: 814.25
Dividend Yield 0.18 Period Ending 2021-03
No. of Shares Subscribed 5.47 Cr. 54,662,043 Shares
FaceValue 10
Company Profile

Having incepted back in 1995, MAS delivered financing solutions to those who needed it the most. The company is registered as non-banking financial company with the Reserve Bank of India.

With a plethora of retail finance options in its arsenal, MAS is focused on fulfilling the requirements of lower income and middle-income groups of the society. It offers Financial Services for Micro Enterprises Loans, SME Loans, Home Loans, Two Wheeler Loans, Used Car Loans, and Commercial Vehicle Loans to satisfy their varied needs. The focus remains on the vast lower income and middle income groups of the society, spread across urban, semi urban and rural areas, and including formal and informal sector.

Business of area of the company:

MAS Financial Services is registered as a systematically important non deposit taking non-banking finance Company (NBFC) with Reserve Bank of India (RBI). The company is engaged in the business of providing Micro Enterprise loans (MEL), Small and Medium Enterprise loans (SME), Two Wheeler loans (TW), Commercial Vehicle loans (CV) and loans to NBFCs - to create the underlying assets of MEL, SME, TW and CV.

Products:

  • Micro Enterprise Loan (MEL)
  • Salaried Personal Loan (SPL)
  • Two Wheeler Loan
  • Small & Medium Enterprises Loan (SME)
  • Machinery Loan
  • Industrial Shed Loan
  • Working Capital Loan
  • Loans against Property (LAP)
  • Commercial Vehicles Loan
  • Used Car Loan
  • Tractor Loan
  • Partnership with NBFC-MFI, HFCs and MFIS
  • Housing Loan

Milestones

  • 1995: On incorporation, commenced retail finance operations with Two-wheeler and Micro-Enterprise loans.
  • 2006: Received first round of capital infusion of Rs 65 million from Bellwether Micro Fund
  • 2008: Acquired second and third round of capital infusion worth Rs 435 million and Rs 400 million from FMO and ICICI Venture, respectively.
  • 2008: Floated the housing finance subsidiary.
  • 2011: Listing of NCDs on Bombay Stock Exchange
  • 2012: Received the fourth round of capital infusion of Rs 650 million from DEG
  • 2013: Disbursement and AUM crossed Rs 10 billion
  • 2014: Sarva Capital purchased 50% CCPS held by FMO in secondary deal
  • 2015: Raised subordinate debentures of Rs 200 Million
  • 2016: Bank loan rating was upgraded to ‘IND A’ with ‘Stable outlook’
  • 2016: Raised subordinate debentures of Rs 400 million
  • 2017: AUM crossed Rs 30 billion
  • 2017: Motilal Oswal infused capital of Rs1,000 million
  • 2018: Listing of Equity Shares on Bombay Stock Exchange & National Stock Exchange
  • 2018: Received additional capital infusion of Rs 350 million from Motilal Oswal
  • 2018: Raised fresh capital of Rs 2,330 million through an IP
  • 2020: Completed 25th Year of Endeavours
  • 2020: AUM crossed Rs 60 billion on a consolidated basis

Delivery View Details

Delivered Qty
Traded Qty

Performance View Details

1 Day
-0.82%
1 Week
+0.96%
1 Month
-4.07%
3 Month
+2.23%
6 Month
-10.25%
1 Year
+28.80%
2 Year
+35.15%
5 Year
5 years 2017-03 2018-03 2019-03 2020-03 2021-03
Return on Equity (%) 24.48 19.80 18.25 17.67 13.43
Return on Capital Employed (%) 16.50 18.30 17.08 15.17 11.38
Return on Assets (%) 3.11 4.06 4.33 3.63 2.71

Balance Sheet View Details

Particulars 5 years 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr.
Shh. Funds 332 779 916 987 1,180
Non Curr. Liab. 613 1,012 1,755 2,083 2,374
Curr. Liab. 1,271 1,147 1,496 1,988 2,102
Minority Int. 15 12 19 19 20
Equity & Liab. 2,231 2,950 4,185 5,077 5,677
Non Curr. Assets 901 2,807 3,670 3,665 4,125
Curr. Assets 1,328 143 515 1,413 1,552
Misc. Exp. not W/O 1
Total Assets 2,231 2,950 4,185 5,077 5,677

Profit Loss View Details

Particulars 5 years 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr.
Net Sales 364 477 605 710 627
Other Income 1 0 0 0 1
Total Income 365 477 605 710 628
Total Expenditure -92 -120 -140 -178 -143
PBIDT 273 357 465 532 485
Interest -165 -187 -225 -299 -286
Depreciation -1 -2 -2 -3 -3
Taxation -37 -63 -83 -62 -50
Exceptional Items
PAT 69 105 155 168 146

Cash Flow View Details

Particulars 5 years 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr.
Cash Fr. Operatn. -164 -386 -468 196 -578
Cash Fr. Inv. -4 -49 14 4 -199
Cash Fr. Finan. 34 438 802 448 719
Net Change -134 3 348 648 -59
Cash & Cash Eqvt 47 49 397 1,046 987

Shareholding Pattern View Details

9 Qtrs 2019-06 (%) 2019-09 (%) 2019-12 (%) 2020-03 (%) 2020-06 (%) 2020-09 (%) 2020-12 (%) 2021-03 (%) 2021-06 (%)
Promoter 73.47 73.47 73.47 73.59 73.60 73.60 73.60 73.60 73.60
Public 26.53 26.53 26.53 26.41 26.40 26.40 26.40 26.40 26.40
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Announcements View Details

Tue, 03 Aug 2021
Announcement under Regulation 30 (LODR)-Newspaper Publication
Pursuant to Regulation 30 and Regulation 47 of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015 the company has given Newspaper Advertisement in One (1) English - FREE PRESS GUJARAT and One (1) Regional Language Newspaper - Gujarati - LOKMITRA on August 3 2021 in respect of Notice of 26th Annual General Meeting of the Company alongwith the details of E-voting Book Closure etc. made to the shareholders. The same has been made available on the Companys website i.e. https://www.mas.co.in/annual-reports.aspx.
Thu, 29 Jul 2021
Reg. 34 (1) Annual Report
Annual Report of MAS Financial Services Limited for the financial year 2020-21.
Thu, 29 Jul 2021
Notice Of 26Th Annual General Meeting (AGM) Of MAS Financial Services Limited For The Financial Year (FY) 2020-21.
Pursuant to Regulation 30 and Regulation 34(1) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations 2015 ("Listing Regulations") please find enclosed herewith Notice of AGM of the Company for the FY 2020-21 to be held through Video Conferencing/ Other Audio Visual Means in accordance with Ministry of Corporate Affairs (MCA) Circular No. 14/2020 dated April 08 2020 followed by Circular No.17/2020 dated April 13 2020 Circular No. 20/2020 dated May 05 2020 Circular No. 22/2020 dated June 15 2020 Circular No. 33/2020 dated September 28 2020 Circular No. 39/2020 dated December 31 2020 Circular No. 02/2021 dated January 13 2021 Circular No. 10/2021 dated June 23 2021 Circular issued by Securities and Exchange Board of India (SEBI) vide Circular No. SEBI/HO/CFD/CMD1/CIR/P/2020/79 dated May 12 2020 and Circular No. SEBI/HO/CFD/CMD2/CIR/P/2021/11 dated January 15 2021 (Circulars).

Technical Scans View Details

Mon, 02 Aug 2021
High Delivery Percentage High Delivery Percentage
Close Crossing Last Month Close from Above Close Crossing Last Month Close from Above
MFI Crossed 20 From Above MFI Crossed 20 From Above
MFI Below 20 MFI Below 20
Fri, 30 Jul 2021
S Close Below Last Week Low

Related Stocks View Details

Stock Name Market Cap(Rs. Cr.) LTP Chg %
Housing Development Finance Corporation Ltd. 444,630.62 2,554.00 +3.7%
Bajaj Finance Ltd. 374,165.12 6,242.35 +0.7%
Bajaj Finserv Ltd. 224,777.66 14,250.00 +0.9%
HDFC Life Insurance Co Ltd. 135,533.95 674.80 +0.7%
SBI Life Insurance Company Ltd. 110,651.09 1,127.50 +1.9%
SBI Cards And Payment Services Ltd. 97,915.20 1,046.05 +0.5%
ICICI Prudential Life Insurance Company Ltd. 91,278.55 653.95 +3.2%
Stock Name Statement TTM Ending Price Earning Ratio(TTM) LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 23.73 2,554.00 +3.7%
Bajaj Finance Ltd. Consolidated 2021-06 83.89 6,242.35 +0.7%
Bajaj Finserv Ltd. Consolidated 2021-06 54.98 14,250.00 +0.9%
HDFC Life Insurance Co Ltd. Consolidated 2021-06 114.87 674.80 +0.7%
SBI Life Insurance Company Ltd. Standalone 2021-06 85.90 1,127.50 +1.9%
SBI Cards And Payment Services Ltd. Standalone 2021-06 109.30 1,046.05 +0.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-06 188.60 653.95 +3.2%
Stock Name Statement TTM Ending Price To Book Value(TTM) LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 2.87 2,554.00 +3.7%
Bajaj Finance Ltd. Consolidated 2021-06 9.95 6,242.35 +0.7%
Bajaj Finserv Ltd. Consolidated 2021-06 6.03 14,250.00 +0.9%
HDFC Life Insurance Co Ltd. Consolidated 2021-06 59.14 674.80 +0.7%
SBI Life Insurance Company Ltd. Standalone 2021-06 10.46 1,127.50 +1.9%
SBI Cards And Payment Services Ltd. Standalone 2021-06 14.80 1,046.05 +0.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-06 10.80 653.95 +3.2%
Stock Name Statement Year Ending Debt Equity Ratio LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 2.88 2,554.00 +3.7%
Bajaj Finance Ltd. Consolidated 2021-03 3.60 6,242.35 +0.7%
Bajaj Finserv Ltd. Consolidated 2021-03 3.57 14,250.00 +0.9%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 0.07 674.80 +0.7%
SBI Life Insurance Company Ltd. Standalone 2020-03 0.00 1,127.50 +1.9%
SBI Cards And Payment Services Ltd. Standalone 2020-03 3.26 1,046.05 +0.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 0.14 653.95 +3.2%
Stock Name Statement Year Ending Return On Equity(%) LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 9.67 2,554.00 +3.7%
Bajaj Finance Ltd. Consolidated 2021-03 12.86 6,242.35 +0.7%
Bajaj Finserv Ltd. Consolidated 2021-03 21.95 14,250.00 +0.9%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 17.65 674.80 +0.7%
SBI Life Insurance Company Ltd. Standalone 2020-03 17.40 1,127.50 +1.9%
SBI Cards And Payment Services Ltd. Standalone 2020-03 28.24 1,046.05 +0.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 11.97 653.95 +3.2%
Stock Name Statement Year Ending Return On Capital Employed(%) LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 8.05 2,554.00 +3.7%
Bajaj Finance Ltd. Consolidated 2021-03 9.38 6,242.35 +0.7%
Bajaj Finserv Ltd. Consolidated 2021-03 11.90 14,250.00 +0.9%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 16.90 674.80 +0.7%
SBI Life Insurance Company Ltd. Standalone 2020-03 17.30 1,127.50 +1.9%
SBI Cards And Payment Services Ltd. Standalone 2020-03 15.21 1,046.05 +0.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 12.54 653.95 +3.2%
Stock Name Statement Year Ending Net Sales(Rs. Cr.) LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 139,039.23 2,554.00 +3.7%
Bajaj Finance Ltd. Consolidated 2021-03 26,689.57 6,242.35 +0.7%
Bajaj Finserv Ltd. Consolidated 2021-03 60,591.20 14,250.00 +0.9%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 674.80 +0.7%
SBI Life Insurance Company Ltd. Standalone 2020-03 1,127.50 +1.9%
SBI Cards And Payment Services Ltd. Standalone 2020-03 9,276.40 1,046.05 +0.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 653.95 +3.2%
Stock Name Statement Year Ending Profit After Tax(Rs. Cr.) LTP Chg %
Housing Development Finance Corporation Ltd. Consolidated 2021-03 13,566.08 2,554.00 +3.7%
Bajaj Finance Ltd. Consolidated 2021-03 4,419.82 6,242.35 +0.7%
Bajaj Finserv Ltd. Consolidated 2021-03 7,367.56 14,250.00 +0.9%
HDFC Life Insurance Co Ltd. Consolidated 2021-03 1,360.87 674.80 +0.7%
SBI Life Insurance Company Ltd. Standalone 2020-03 1,422.18 1,127.50 +1.9%
SBI Cards And Payment Services Ltd. Standalone 2020-03 1,244.82 1,046.05 +0.5%
ICICI Prudential Life Insurance Company Ltd. Consolidated 2021-03 956.16 653.95 +3.2%