+91 7395922292

info@jmjfitechltd.com , investor@jmjfintechltd.com

Your Personal Loan

Is a few clicks away

We Fulfill your dreams from anywhere in India

Apply Personal Loan

Our Financial Care For You

Express Approval
No Pre-Payment Fee
Minimal Validation
Attractive Interest Rates
Free Loan Processing

Loan Application has never been easier !!

Fulfill Your Dreams From Anywhere In India

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 DetailsAddress Information
REGISTERED OFFICEShop 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 maintainedDOOR NO 36 Old No 25 469 17 1st FLOOR POOMA COMPLEX, NADUVILAL Thrissur Thrissur KL 680001
REGIONAL OFFICEDOOR NO 36 Old No 25 469 17 1st FLOOR POOMA COMPLEX, NADUVILAL Thrissur Thrissur KL 680001
BranchesAddress Information
HARIPAD 1st Floor, Purathuttethu Building, Muttom P O, Haripad, Alappuzha – 690511 PH : 7736450999
MANKAMKUZHY2nd Floor, Mariam Tower, Opp. Kerala bank, Mankamkuzhy, Mavelikkara, Alappuzha – 690558 PH : 7736470999
OCHIRA1st Floor, Reshma Plaza, Ragam Junction, Prayar Road, Oachira P O, Kollam – 690526 PH : 7736150999
KOTTARAKARA1st Floor, Jewel tower, Neeleswaram P O, Neduvathur, Kottarakara, Kollam – 691505 PH : 7736350999
KUNDARA                   1st Floor, 21/681 Kunnel Building, Punnamukku, Perumbuzha P O, Kollam – 691504 PH : 7736180555
PATHANAMTHITTA 1st Floor, Puthusseril Building, St.Peter’s Junction (Above Federal Bank) Pathanamthitta – 689645 PH : 7736430999
PATHIRIPALA179F, Ward 9, Mannur Panchayath, Pathiripala, Palakkad – 678642
THRISSUR1st Floor, Pooma Complex, Naduvilal Jn, M G Road, Thrissur – 680001 PH : 7395922292
KALAVOORGround Floor, Soumya Complex Near Pullikal Jn, Kavunkal, Mannanchery P O, Kalavoor, Alappuzha – 688538 PH : 7356257444
AMBALAPUZHA1st Floor Randuthayyil Building, Punnapra, Punnapra P O, Alappuzha – 688004 PH : 7736074999
THYCATTUSSERYVeliyil Building, Near Govt Beveco Outlet MLA Road ,Thycattussery Cherthala, Alappuzha – 688528 PH : 7736074222
CHAVARAPanickers Building , 1st Floor, Vadakkumthala P O, Vettamukk Chavara, Kollam – 690536 PH : 7736074111
BALUSSERY1st Floor, S N Complex, Amarapuri, Balussery Kozhikode – 673612 PH : 8129548444
MEENANGADI1st floor, Puthumangalath complex, Near Stone Gallery, Vidhya Bhavan School Road, Beenachi, Sulthan Bathery Wayanad – 673592 PH : 8137946444
PANDIKKADMK complex, Puthukulam, Kanjirampara, Alanallur Malappuram – 678601 PH : 8138083555
AKALAD1st Floor, Afitha Complex, Akalad, Kadiriyapalli Thrissur – 680518 PH : 8136965999
AZHIYOORAVR Complex, Muttungal P O, Kainaty, Vadakara, Calicut – 673106 PH : 8129979555
RAMANATTUKARANear Chaliyar Jewellery Farook College Road, Chungam Feroke, Calicut – 673631 PH : 9567926555
CHATHANNOOR1st Floor, Vilayil Building, Plamood Junction, NorthChathannoor Chathannoor P O Kollam – 691572 PH : 8136923444
EDAPPALGround Floor, Panekkat Building Edappal, Naduvattam, Sukapuram Malappuram – 679576 PH : 8848004168
TIRUR1st Floor, Bappu Haji Arcade Near GHSS, BP Angadi Tirur, Malappuram – 676102 PH : 9249093797
WANDOOR1st Floor , Cheriyil Tower, Nilambur Road, Wandoor Malappuram – 679328 PH : 9249093798
PALAKKADGround Floor, Kanakath Tower NH ByPass, Kadamcode Karingarapully Palakkad – 678551 PH : 0491 3523722, 0491 3548585
NEDUMKANDAM3rd Floor, Patmatheertham complex, Nedumkandam to Munnar road, Opp. of Bus Stand, Nedumkandam – 685553 PH : +91 9249093793
THAMARASSERYGround Floor, MRS Building, Kudikkilumaram, near Indian gas godown, Thamarassery – 673573 PH : +91 9249093796
ADIMALI1st Floor, Uppukandathil building, near by LM bank, kallarukutty road Adimali, Idukki – 685561 PH : +91 9249093792
NANJANGUD3041/2926, Mahalakshmi Sadana, Above Karnataka Bank, 1st Floor, R.P Road, Nanjangud – 571301 PH : 9249093791
GUNDLUPETSharada Complex, 2 Hall, 1st Floor, Marigudi Road, Gundlupet – 571111 PH : 9249093791
MYSOREHall 2, 1st Floor, Vivekananda Circle, Mysore – 570023 PH : 9249093791
KULASEKHARAMNo.15/83C, Ward-15, Thanumaliya Hotel, 1st Floor, Kankari, Thiruvattar Post, Kanniyakumari District – 629177 PH : 9037965283
MARTHANDAMNo.16-28/2,3, Ward 13, 1st Floor, Chirayankuzhi, Kanjiracode Post, Unammalaikadai, Kanniyakumari District – 629155 PH : 9037965282
ANJUGRAMAMNo.7/85/1, 1st Floor, SS Grand Plaza Building, Viswanathapuram Junction, Levanchipuram Post, Thirunelveli District – 627114 PH : 9037965285
KARUNGALNo.5/214-A2, 5ST-4 Jain Building, 1st Floor, Nachee Vilai, Karungal Post, Kanniyakumari District – 629157 PH : 9037965284
NAGERCOILNo.150 Ward-50, 1st Floor CTR Complex, Kunjanvilai, Monikattipottal Post, Kanniyakumari District – 629501 PH : 9037965281
THODUPUZHA1st Floor, Gemini Building, Opp. of Max clothing, Pala road, Thodupuzha, Idukki – 685584 PH : 8943048000
KATTAPPANAJMJ Fintech Ltd, 1ST Floor, Parakandathil Shopping, Kattappana, Kattappana PO, Idukki,PIN: 685515 :
MAHEJMJ Fintech Ltd, Royal Complex Near Kasturba Gandhi Govt. High School Post. Naluthara, Mahe, PIN: 673310

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)
RegulatorsInformation
Years of service40 Years
Formerly knowns as: Meenakshi enterprises Limited
Date of Incorporation 27/11/1982
CIN NoL51102TZ1982PLC029253
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 NUMBER32AACCM8666R1ZQ

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.

Contact Us

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.

Raghavan,

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.

Malavika

Gopal

JMJ’s simple and easy to use services supported me in troublesome situation. I am really happy about that.

Gopal

Our Visionary

Management Team

Mr. Joju Madathumpady Johny

Managing Director

CA. Sivadas Chettoor

Independent Director

Mr. Johny Madathumpady Lonappan

Executive Chairman

CA. Julie George Varghese

Independent Director

Lt. Col. Velayudhanpillai Harikumar

Independent Director

INVESTOR RELATIONS

Investor Relations

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. Joju Madathumpady Johny

Managing Director
(DIN: 02712125)
Mr.Joju Madathumpady Johny is a seasoned financial professional with more than a decades 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. 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.

CA. Sivadas Chettoor

Independent Director
(DIN: 01773249)

He 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.:

  1. He Practiced as a Chartered Accountant under the name Sivadas C and Company till April 23rd 2013 and thereafter as a Managing Partner of the firm Sivadas C and Company.
  2. 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
  3. He is Experienced in Direct and Indirect tax consultancy, planning and representations before various Appellate Authorities of various levels.
  4. Past President of Palghat Management Association
  5. Past Member of Institute of Directors, New Delhi
  6. 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.
  7. He Contributed articles on taxation and law etc in leading publications
  8. He is a Regular speaker on topics of Direct/Indirect taxation and other business laws
  9. He is also Associated with Charitable activities

CA. Julie George Varghese

Independent Director
(DIN: 09274826)
She 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. He possesses 9 years of experience as Chartered Accountant and is Currently a Sole Proprietor of M/s. Julie And Company, Chartered Accountants, Palayam, Trivandrum-695001

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. The key skills include Production, PPC, QA/QC, Logistics, Procurement, Sales & Marketing, P&L, Maintenance, Statutory requirements, Administration. A natural leader with strong Change Management skills, Technical and Administrative Capabilities in restructuring/ rebuilding and optimizing plant operations and manpower resources to revamp the work culture and improve productivity and profitability. Project management skills, operation of multiple business units, dealing with multicultural multi linguistic workforce, Vendor management and “Can Do” attitude have been the strong points to achieve the organizational goals.

Composition of various committees of board of directors

Audit Committee :

The members of the Audit Committee are:
  •    CA. Sivadas Chettoor- Independent Director-Chairman
  •    CA. Julie George Varghese- Independent Director-Member
  •    Lt.Col Velayudhanpillai Harikumar- Independent Director-Member

Nomination and Remuneration Committee :

The members of the Nomination and Remuneration Committee are:
  •    Lt.Col.Velayudhanpillai Harikumar – Independent Director-Chairman
  •    CA Julie George Varghese- Independent Director-Member
  •    Mr. Johny Madathumpady Lonappan-Wholetime Director-Member

Stakeholders Relationship Committee :

The members of the Stakeholders’ Relationship Committee are:
  •    CA Julie George Varghese- Independent Director-Chairperson
  •    Lt.Col  Velayudhanpillai Harikumar- Independent Director-Member
  •    Mr. Johny Madathumpady Lonappan-Wholetime Director-Member

Mr. Joju Madathumpady Johny

Managing Director

Vidya Damodaran

Company Secretary

Mr. Justin Thomas O

Chief Financial Officer

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

Phone No: +9173959 22292

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

Certificates

Right Issue Description Download
Draft Letter of Offer – 19.02.2025 Click to Download
Right Issue Committee Outcome – 19.02.2025 Click to Download

Announcement

Corporate Governance

Familiarisation programme for Independent Directors for the financial year 2022-23
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
  Familiarisation programme for Independent Directors for the financial year 2023-24
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
    Familiarisation programme for Independent Directors for the financial year 2024-25
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
   

Contact Information

Personal Loan – Application !!



Scan the code