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Eligibility Criteria
- Resident citizen of India
- Aged above 21 years
- Work for stable institution
- Have a good CIBIL score
- Monthly income above Rs.12000
Office Locations Information
| Office Details | Address Information |
|---|---|
| REGISTERED OFFICE | Shop No.3, 1st Floor, Adhi Vinayaga Complex, No.3,Bus Stand, Gopalsamy Temple Street, Ganapaty, Coimbatore Ganapathy Coimbatore North Coimbatore TN 641006 |
| Address other than R/o where all or any books of account and papers are maintained | DOOR NO 36 Old No 25 469 17 1st FLOOR POOMA COMPLEX, NADUVILAL Thrissur Thrissur KL 680001 |
| REGIONAL OFFICE | DOOR NO 36 Old No 25 469 17 1st FLOOR POOMA COMPLEX, NADUVILAL Thrissur Thrissur KL 680001 |
About Us
NBFC Business
JMJ Fintech Limited is a RBI registered non-deposit taking Non-Banking Financial Company (NBFC) with its registered office at Ganapathy, Coimbatore, Tamilnadu. The company (JMJ Fintech) is built on ethical financial principles, beliefs, and rules. These guidelines determine the conduct of the JMJ platform and its products. JMJ Fintech Limited has one business vertical.
- NBFC Activities (Non – Depositing Taking Company)
| Regulators | Information |
|---|---|
| Years of service | 40 Years |
| Formerly knowns as: | Meenakshi enterprises Limited |
| Date of Incorporation | 27/11/1982 |
| CIN No | L51102TZ1982PLC029253 |
| RBI Registration Details | Reg No – B-07.00141 |
| RBI Registration Date | 09/03/1998 |
| BSE Listed Details | ISIN – INE242Q01016 |
| BSE Listing Date | 17/12/2014 |
| BSE Script Code | 538834 |
| GST NUMBER | 32AACCM8666R1ZQ |
JMJ Fintech Limited offers financial services to corporate clients and high net worth individuals. We contribute to the easy-money lending environment and a front runner in the NBFC sector that is fast-expanding with plethora institutions. The company supports clients across India through innovative approaches and customized solutions that promotes financial system efficiency. The loans are disbursed against securities and guarantees confirmed with an agreement. The security and agreements can be varied from shares, bank guarantees and such. The company is having NO bad debt which exhibit the successful financing business model followed. Loans from JMJ Fintech Limited believes in the opportunities and strength of SME sector and offer loans to cater to the various needs of different types of business owners in this sector.
We bring our clients unrivaled transaction and integration expertise, deep industry knowledge to provide management consultation services to organizations during Merger, Amalgamation, Acquisition, Valuation etc. and ensure flawless execution.
Raghavan,
I recommend JMJ to my fiends & family always Whom I know need the help and support from a good friend and honest banking firm.
Malavika
The assistance I received during the entire loan process was very impressive. I have never received such honest and supportive assistance from any other financing organization. This was excellent.
Gopal
JMJ’s simple and easy to use services supported me in troublesome situation. I am really happy about that.
oUR LOANS
Our Visionary
Management Team
Mr. Johny Madathumpady
Executive Chairman
CA. Sivadas Chettoor
Independent Director
Mr. Joju Madathumpady Johny
Managing Director
CA. Julie George Varghese
Independent Director
Lt. Col. Velayudhanpillai Harikumar
Independent Director
INVESTOR RELATIONS
Investor Relations
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Investor Relations
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Board Of Directors
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Key Managerial Personnel
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Financials
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Annual Reports
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Annual Returns
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Share Holding Pattern
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Fair Practice Code
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Policy
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Code Of Conduct
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Corporate Announcement
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Certificates
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Announcement
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Corporate Governance
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Investor Presentation
Registrar & Share Transfer Agent
- Purva Share Registry (India) Pvt.Ltd. No. 9, Shiv Shakthi Ind.
Estt. Lower Parel East, J R Boricha Marg, Mumbai – 400 011. - 022-2301 6761/2301 2518
- 022-2301 2517
- support@purvashare.com
For Investor Grievances & Compliance
- Mrs. Vidya Damodaran
- (Company Secretary cum Compliance officer)
- JMJ Fintech Limited, Shop No.3, 1st Floor,Adhi Vinayaga Complex, No.3, Bus Stand,Gopalsamy Temple Street ,Ganapaty,Coimbatore Ganapathy Coimbatore North Coimbatore TN 641006 IN
- +91 7395922291
- investor@jmjfintechltd.com
Details of Grievance Redressal Officer (GRO)
- Mr.Renjith Ramachandran
- Operations Manager
- +91 7736810555
- complaints@jmjfintechltd.com
The company is listed at BSE Limited (BSE) vide BSE Script Code: 538834
Mr. Johny Madathumpady Lonappan
Executive Chairman
(DIN: 0017895)
Mr. Johny Madathumpady Johny is the Executive Chairman of JMJ Fintech Limited, with over 40 years of experience in the Chits and Finance sectors. He began his career before 1990, working in various roles across finance and chit fund companies.
With a strong track record of leadership and industry insight, he has been serving as Executive Chairman for the past three years, guiding the company’s strategic direction, governance, and growth. His deep expertise and commitment to the sector continue to drive value for stakeholders and strengthen the company’s market position. Mr. Johny is also Director in Vilvattom Kuries Private Limited.
Mr. Joju Madathumpady Johny
Managing Director
(DIN: 02712125)
Mr. Joju Madathumpady Johny is a seasoned financial professional with more than a decade of extensive experience in Non-Banking Financial Companies (NBFCs) and other financial institutions. His career spans multiple financial domains, including secured and unsecured lending, asset financing, deposit mobilization, and financial risk management.
With a solid academic foundation in commerce from Calicut University, Kerala, he has developed a keen understanding of financial operations, regulatory compliance, and customer-centric financial services. His expertise in NBFC operations, microfinance, and cooperative financial institutions has enabled him to drive business growth while ensuring adherence to financial regulations and best practices.
Mr Joju’s strong leadership and strategic vision have allowed him to successfully manage financial portfolios, enhance customer engagement, and implement risk mitigation strategies. His in-depth knowledge of the financial ecosystem makes him a valuable asset to any organization in the financial services sector. Mr.Joju is also Director in Palma Development Finance Private Limited.
CA Sivadas Chettoor
Independent Director
(DIN: 01773249)
CA Sivadas Chettoor holds a Degree of Bachelors of Commerce and is a Fellow Member of Institute of Chartered Accountants of India. He is also a Post Graduate in Law.
He is practicing as a Chartered Accountant and Managing Partner in Sivadas C and Company. He possess over 35 years of Experience in Audit of various Nationalized Banks and Scheduled Banks, Private Limited and Public Limited companies, Partnership Firms, Public Sector Undertakings, Government Departments, Trusts, Insurance company and other entities. He is an expert in Direct and Indirect tax consultancy, planning and representations before various Appellate Authorities of various levels. He is a Visiting Lecturer in Calicut University, Calicut, Victoria College, Palakkad, Mahatma Gandhi University, Kottayam, Amrita Business School, Cochin and in other various private educational institutions.
He was the Past President of Palghat Management Association and Past Member of Institute of Directors, New Delhi
CA Sivadas Chettoor is also Director in Popees Cares Limited and NTC Finance Private Limited.
CA Julie George Varghese
Independent Director
(DIN: 09274826)
CA Julie George Varghese holds a Degree of Bachelors of Commerce and is a Fellow Member of Institute of Chartered Accountants of India (ICAI). She also hold post qualification Diploma in Systems Audit and Forensic Accounting & Fraud Prevention by ICAI. She possesses 11 years of experience as practicing Chartered Accountant. CA Julie George Varghese is also Director in Abate As Industries Limited.
Lt. Col. Velayudhanpillai Harikumar
Independent Director
(DIN: 10450411)
Lt. Col. Velayudhanpillai Harikumar is a seasoned technocrat with a total of 35 years (20 Years with Indian Army in the Corps of Electronics and Mechanical Engineers (EME) and 15 years with Corporates) of qualitative experience in the entire gamut of Operations of Multiple Manufacturing Plants, Sales & Marketing, Setting up of New Manufacturing Facilities.
Composition of various committees of board of directors
- Mrs. Julie George Varghese- Independent Director-Chairman
- Mr. Velayudhanpillai Harikumar- Independent Director-Member
- Mr. Johny Madathumpady Lonappan- Wholetime Director-Member.
Nomination and Remuneration Committee :
- Mr. Velayudhanpillai Harikumar – Independent Director-Chairman
- Mrs. Julie George Varghese- Independent Director-Member
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Mr. Sivadas Chettoor- Independent Director -Member.
Corporate Social Responsibility (CSR) Committee:
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Mr. Sivadas Chettoor -Independent Director-Chairman
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Mr.Johny Madathumpady Lonappan-Member
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Mr.Joju Madathumpady Johny-Member
Stakeholders’ Relationship Committee:
The members of the Stakeholders’ Relationship Committee are:
- CA Julie George Varghese- Independent Director-Chairperso
- Lt.Col Velayudhanpillai Harikumar- Independent Director-Member
- Mr. Johny Madathumpady Lonappan-Wholetime Director-Member
Mr. Johny Madathumpady Lonappan
Executive Chairman
Mr. Joju Madathumpady Johny
Managing Director
Vidya Damodaran
Mr. Justin Thomas O
Contact Details
JMJ Fintech Limited,
Shop No.3, 1st Floor,Adhi Vinayaga Complex, No.3, Bus Stand,Gopalsamy Temple Street,Ganapaty,Coimbatore Ganapathy Coimbatore North Coimbatore TN 641006 IN
Financials
Quarterly Reports
| Financial Year | Quarterly 1 | Quarterly 2 | Quarterly 3 | Quarterly 4 |
| 2024-2025 | 30.06.2024 | 30.09.2024 | 31.12.2024 | 31.03.2025 |
| 2023-2024 | 30.06.2023 | 30.09.2023 | 31.12.2023 | 31.03.2024 |
| 2022-2023 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 |
| 2021-2022 | 30.06.2021 | 30.09.2021 | 31.12.2021 | 31.03.2022 |
| 2020-2021 | 30.06.2020 | 30.09.2020 | 31.12.2020 | 31.03.2021 |
| 2019-2020 | 30.06.2019 | 30.09.2019 | 31.12.2019 | 31.03.2020 |
| 2018-2019 | 30.06.2018 | 30.09.2018 | 31.12.2018 | 31.03.2019 |
| 2017-2018 | 30.06.2017 | 30.09.2017 | 31.12.2017 | 31.03.2018 |
| 2016-2017 | 30.06.2016 | 30.09.2016 | 31.12.2016 | 31.03.2017 |
| 2015-2016 | 30.06.2015 | 30.09.2015 | 31.12.2015 | 31.03.2016 |
| 2014-2015 | 30.06.2014 | 30.09.2014 | 31.12.2014 | 31.03.2015 |
Annual Reports
Annual Reports
| Financial Year | Annual |
| 2023-2024 | Annual Report 2023-2024 |
| 2022-2023 | Annual Report 2022-2023 |
| 2021-2022 | Annual Report 2021-2022 |
| 2020-2021 | Annual Report 2020-2021 |
| 2019-2020 | Annual Report 2019-2020 |
| 2018-2019 | Annual Report 2018-2019 |
| 2017-2018 | Annual Report 2017-2018 |
| 2016-2017 | Annual Report 2016-2017 |
| 2015-2016 | Annual Report 2015-2016 |
| 2014-2015 | Annual Report 2014-2015 |
Annual Returns
Annual Returns
| Financial Year | Annual |
| 2020-2021 | Click to Download |
| 2021-2022 | Click to Download |
| 2022-2023 | Click to Download |
| 2023-2024 | Click to Download |
Share Holding Pattern
Quarterly Reports
| Financial Year | Quarterly 1 | Quarterly 2 | Quarterly 3 | Quarterly 4 |
| 2024-2025 | 30.06.2024 | 30.09.2024 | 31.12.2024 | 31.03.2025 |
| 2023-2024 | 30.06.2023 | 30.09.2023 | 31.12.2023 | 31.03.2024 |
| 2022-2023 | 30.06.2022 | 30.09.2022 | 31.12.2022 | 31.03.2023 |
| 2021-2022 | 30.06.2021 | 30.09.2021 | 31.12.2021 | 31.03.2022 |
| 2020-2021 | 30.06.2020 | 30.09.2020 | 31.12.2020 | 31.03.2021 |
| 2019-2020 | 30.06.2019 | 30.09.2019 | 31.12.2019 | 31.03.2020 |
| 2018-2019 | 30.06.2018 | 30.09.2018 | 31.12.2018 | 31.03.2019 |
Fair Practice Code
| Name | Download |
|---|---|
| FAIR PRACTICE CODE | Click to Download |
| Policy Description | Download |
|---|---|
| BOARD DIVERSITY POLICY | Click to Download |
| GENERAL TERMS AND CONDITIONS OF APPOINTMENT OF INDEPENDENT DIRECTORS | Click to Download |
| CRITERIA OF MAKING PAYMENTS TO NON-EXECUTIVE DIRECTORS | Click to Download |
| PRESERVATION OF DOCUMENTS POLICY | Click to Download |
| POLICY ON DETERMINATION OF MATERIALITY OF EVENT | Click to Download |
| POLICY ON MATERIALITY OF RELATED PARTY TRANSACTIONS | Click to Download |
| RISK MANAGEMENT POLICY | Click to Download |
| POLICY ON FAMILIARIZATION PROGRAMME FOR INDEPENDENT DIRECTORS | Click to Download |
| POLICY FOR DETERMINING MATERIAL SUBSIDIARIES | Click to Download |
| NOMINATION AND REMUNERATION POLICY | Click to Download |
| KYC GUIDELINES AND ANTI-MONEY LAUNDERING STANDARDS POLICY | Click to Download |
| POLICY ON DISTRIBUTION OF DIVIDENTS | Click to Download |
| BCP AND DISASTER MANAGEMENT POLICY | Click to Download |
| WHISTLE BLOWER POLICY | Click to Download |
| BOARD EVALUATION POLICY | Click to Download |
| BOARD FAMILIARIATION POLICY | Click to Download |
| SEXUAL HARASSMENT REDRESSAL POLICY | Click to Download |
| NPA POLICY | Click to Download |
| LOAN POLICY | Click to Download |
| INVESTMENT POLICY | Click to Download |
| INTEREST RATE POLICY | Click to Download |
| POLICY FOR COMPROMISE SETTLEMENTS AND TECHNICAL WRITE – OFFS | Click to Download |
| BUSINESS CONTINUITY PLAN | Click to Download |
| CUSTOMER GRIEVENCE REDRESSAL POLICY | Click to Download |
| IT Policy | Click to Download |
| Privacy policy | Click to Download |
| General Terms & Conditions | Click to Download |
Code Of Conduct
| Description | Date | Download |
|---|---|---|
| CODE OF CONDUCT FOR INSIDER TRADING AND CORPORATE DISCLOSURE PRACTICES | 1 Mar 2023 | Click to Download |
| CODE OF CONDUCT FOR BOARD OF DIRECTORS | 1 Mar 2023 | Click to Download |
| CODE OF CONDUCT FOR SENIOR MANAGEMENT | 1 Mar 2023 | Click to Download |
Corporate Announcement
| Year | Corporate Announcements | Download |
|---|---|---|
| 2015 – 2023 | Annual General meeting | Click to View |
| 2015 – 2024 | Extra-Ordinary General Meeting | Click to View |
| 2015 – 2024 | EGM Outcome(04-04-2024) | Click to View |
| 2015 – 2024 | Scrutinizer Report on 04-04-2024 | Click to View |
| 2015 – 2023 | Board Meeting | Click to View |
| 2015 – 2023 | Company Updates | Click to View |
| 2015 – 2023 | Corporate Actions | Click to View |
| 2015 – 2023 | SDD Compliance | Click to View |
| 2015 – 2023 | News Paper Advertisements | Click to View |
| 2015 – 2023 | Insider Updates | Click to View |
| 2015 – 2024 | Postal Ballot Notice | Click to Download |
| 2015 – 2024 | Postal Ballot Notice Date 27.11.2024 | Click to Download |
| 2015 – 2024 | Corrigendum to Postal Ballot Notice Dated 27.11.2024 | Click to Download |
| 2015 – 2024 | Valuation Report(05-03-2024) | Click to Download |
| 2015 – 2024 | Secretarial Compliance Report as on 31.03.2021 | Click to Download |
| 2015 – 2024 | Secretarial Compliance Report on 31.03.2022 | Click to Download |
| 2015 – 2024 | Secretarial Compliance Report as on 31.03.2023 | Click to Download |
| 2015 – 2024 | Addendum to Annual Report 23-24 | Click to Download |
| 2015 – 2024 | Compliance Certificate(10 Annexure) | Click to Download |
| 2015 – 2024 | Compliance Certificate(13 Annexure) | Click to Download |
| 2015 – 2024 | Secretarial Compliance Report as on 31.03.2024 | Click to Download |
Announcement
Corporate Governance
| SL No | Financial Year | Date of Familiarisation Programme | No of Independent directors as on date | No of Independent directors attended | Name of Independent Directors and sessions & hours attended | ||||
| Name | No of sessions attended in FY | Cumulative till date | Number of hours spent in FY | Cumulative hours spent | |||||
| 11 | 2022-23 | 03.01.2022,10.02.2023 | 4 | 4 | MR.RAMAKRISHNAN AREEKUZHIYIL | 2 | 2 | 2 | 2 |
| MR.SIVADAS CHETTOOR | 2 | 2 | 2 | 2 | |||||
| MR.JULIE GEORGE VARGHESE | 2 | 2 | 2 | 2 | |||||
| MR.PRADEEP KUMAR CHELLAPPAN KAMALAKSHI | 2 | 2 | 2 | 2 | |||||
| SL No | Financial Year | Date of Familiarisation Programme | No of Independent directors as on date | No of Independent directors attended | Name of Independent Directors and sessions & hours attended | ||||
| Name | No of sessions attended in FY | Cumulative till date | Number of hours spent in FY | Cumulative hours spent | |||||
| 1 | 2023-24 | 27.07.2023 | 4 | 4 | MR.RAMAKRISHNAN AREEKUZHIYIL | 1 | 3 | 1 | 3 |
| MR.SIVADAS CHETTOOR | 1 | 3 | 1 | 3 | |||||
| MR.JULIE GEORGE VARGHESE | 1 | 3 | 1 | 3 | |||||
| MR.PRADEEP KUMAR CHELLAPPAN KAMALAKSHI | 1 | 3 | 1 | 3 | |||||
| 2 | 12.02.2024 | 4 | 4 | MR.SIVADAS CHETTOOR | 1 | 4 | 1 | 4 | |
| MR.JULIE GEORGE VARGHESE | 1 | 4 | 1 | 4 | |||||
| MR.PRADEEP KUMAR CHELLAPPAN KAMALAKSHI | 1 | 4 | 1 | 4 | |||||
| VAZHAYIL EASOW JOSEKUTTY | 1 | 1 | 1 | 1 | |||||
| SL No | Financial Year | Date of Familiarisation Programme | No of Independent directors as on date | No of Independent directors attended | Name of Independent Directors and sessions & hours attended | ||||
| Name | No of sessions attended in FY | Cumulative till date | Number of hours spent in FY | Cumulative hours spent | |||||
| 1 | 2024-25 | 23.05.2024 | 4 | 4 | MR.SIVADAS CHETTOOR | 1 | 5 | 1 | 5 |
| MR.JULIE GEORGE VARGHESE | 1 | 5 | 1 | 5 | |||||
| MR.VAZHAYIL EASOW JOSEKUTTY | 1 | 2 | 1 | 2 | |||||
| MR.VELAYUDHANPILLAI HARIKUMAR | 1 | 1 | 1 | 1 | |||||
| 2 | 21.08.2024 | 4 | 4 | MR.SIVADAS CHETTOOR | 1 | 6 | 1 | 6 | |
| MR.JULIE GEORGE VARGHESE | 1 | 6 | 1 | 6 | |||||
| MR.VAZHAYIL EASOW JOSEKUTTY | 1 | 3 | 1 | 3 | |||||
| MR.VELAYUDHANPILLAI HARIKUMAR | 1 | 2 | 1 | 2 | |||||
Investor Presentation
Contact Information
Personal Loan – Application !!
