Midland Microfin Unlisted Share price

Midland Microfin Limited Unlisted Share – Company Overview

Midland Microfin Limited is the first Punjab-based Microfinance Institution (MFI) having its Head Office at Jalandhar, Punjab, and is working towards Financial & Social Empowerment of Women by way of extending small Business Loans. The

The company is registered as an 'NBFC – MFI' with the Reserve Bank of India (RBI) and has been complying with all the regulatory and legal requirements since its inception.

Midland Microfin Limited is focused on providing finance at the 'bottom of the pyramid' and customers with low income as a sustainable source of livelihood thereby improving their standard of living. The company offers a range of products and services, which have been developed on the basis of the financial needs of progressive poor working women. These loans help those people to finance their micro-enterprises. Apart from Loan products, the company also offers Insurance services.

Currently, MML is successfully catering to its client base with 219 branches spread over in 7 states i.e. Punjab, Haryana, Rajasthan, Uttar Pradesh, Bihar, Jharkhand, Himachal Pradesh, and Union Territory of Chandigarh.

The company has taken various initiatives to reduce the operational cost without compromising the quality of operations and at the same time, increasing the efficiency level of the existing branches.

The Debt Securities of Midland Microfin Limited are listed on BSE Limited.

Midland Microfin Unlisted Share Details as of March 31, 2025

Midland Microfin Limited Incorporation Details

Midland Microfin Limited Principal Business Activities  

Midland Microfin Limited Board of Directors

Mr. Vijay Kumar Bhandari (Chairman)

Mr. Amardeep Singh Samra (Managing Director)

Mr. Parveen Kumar Gupta (Independent Director)

Mr. Shant Kumar Gupta (Independent Director)

Mr. Ashwani Kumar Jindal (Independent Director)

Mr. Sachin Kamath (Nominee Director)

Mrs. Kamna Raj Aggarwalla (Independent Director)

Mr. Santokh Singh Chhokar (Non-Executive Director)

Midland Microfin Limited Shareholding Pattern (As on 31-03-2025)

Industry Outlook

India’s financial services sector is much diversified and comprises various entities such as commercial banks, insurance companies, co-operatives, mutual funds, non-banking financial companies (NBFCs), and other various entities. The share of NBFCs is continuously growing in the financial services industry. As per RBI, NBFCs have outperformed Scheduled Commercial Banks (SCBs) in terms of growth in advances and in asset quality. It is expected that the NBFCs will grow their share in the financial services sector in near future.

The FY 2020 has been one of the most eventful and challenging years that the financial services industry has experienced. The Outbreak of the COVID 19 pandemic across the globe and in India has contributed to a significant decline and volatility in the global and Indian Financial markets and a slowdown in economic activities. Since the duration and magnitude of COVID 19 are still uncertain, it will affect the plans of this industry for FY 2021.

According to ICRA, a rating agency, the NBFC industry is likely to face asset quality pressure in the short term. However, the majority of the NBFC industry will withstand any stress as their collection capacity is improving. Moreover, their balance sheets mention that they are maintaining sufficient liquidity for tackling emergencies.

RBI has announced various measures, as a part of the response to the economic challenge faced by the NBFC industry, to aid the liquidity crisis in the system and to make NBFC work easier. RBI has introduced the Liquidity Coverage Ratio requirement for all types of NBFCs with an asset size of Rs.5000 Crore.

FAQ's on Midland Microfin

Q: What is the face value of Midland Microfin Ltd shares?
Answer: The face value of Midland Microfin Ltd is ₹10 per equity share.

Q: What is the minimum lot size for buying Midland Microfin shares through WWIPL?
Answer: The minimum lot size for Midland Microfin shares is 100 equity shares.

Q: How can I buy Midland Microfin unlisted shares through WWIPL?
Answer: Investors can complete the KYC process, confirm the transaction details with WWIPL, transfer funds, and receive shares directly in their Demat account.

Q: Why should I buy Midland Microfin shares through WWIPL?
Answer: WWIPL offers transparent pricing, secure transactions, seamless Demat transfers, and dedicated support throughout the investment process.

Q: Is investing in Midland Microfin Ltd a good idea?
Answer: Investors often evaluate Midland Microfin based on its presence in the microfinance sector, growing loan portfolio, financial inclusion focus, and long-term growth opportunities in underserved rural and semi-urban markets.

Q: Why do investors buy Midland Microfin shares before a potential IPO?
Answer: Investors seek early exposure to a growing financial services company before listing, aiming to participate in future value creation and potential liquidity opportunities.

Q: What business does Midland Microfin Ltd operate in?
Answer: Midland Microfin is a Non-Banking Financial Company (NBFC-MFI) engaged in providing microfinance loans, income-generation loans, and other financial services to underserved segments, particularly women borrowers and rural households.

Q: What makes Midland Microfin different from other unlisted NBFCs?
Answer: The company focuses on financial inclusion by providing credit access to underserved communities, helping promote entrepreneurship and economic development in rural and semi-urban regions.

Q: What are the key growth drivers for Midland Microfin Ltd?
Answer: Increasing financial inclusion, rising demand for microcredit, expansion into new geographies, digital lending adoption, and supportive regulatory initiatives are key growth drivers.

Q: What factors affect the valuation of Midland Microfin shares?
Answer: Loan book growth, asset quality, collection efficiency, profitability, capital adequacy, and overall credit demand are important valuation drivers.

Q: Are Midland Microfin shares available in Demat form?
Answer: Yes. Shares purchased through WWIPL are transferred directly to the investor's Demat account.

Q: Can I sell my Midland Microfin shares through WWIPL?
Answer: Yes. WWIPL facilitates both buying and selling of unlisted shares, subject to market demand and share availability.

Q: What documents are required to buy Midland Microfin shares through WWIPL?
Answer: Investors generally need PAN, Aadhaar, Client Master Report (CMR), and bank account details to complete the transaction.

Q: What are the risks of investing in Midland Microfin shares?
Answer: Investors should consider credit risk, collection challenges, regulatory changes, geographic concentration risks, and liquidity constraints associated with unlisted shares.

Q: How does WWIPL help investors track Midland Microfin investments?
Answer: WWIPL provides company updates, transaction assistance, market information, and investment insights to help investors stay informed.

Q: How long does it take for Midland Microfin shares purchased through WWIPL to be credited to a Demat account?
Answer: Shares are generally transferred to the investor's Demat account after successful completion and verification of the transaction.

Q: What should investors evaluate before investing in Midland Microfin Ltd?
Answer: Investors should assess the company's loan portfolio growth, asset quality, profitability, collection efficiency, valuation, and long-term growth prospects.