Analysis: Mufin Green Finance Limited

NSE:MUFIN Finance & Investments - Others Market cap: ₹2.7K cr

Growth thesis

Mufin Green Finance Ltd is a green finance NBFC offering Mediclaim Insurance Premium Financing (39% of AUM, ₹608 crore as of March 2026), EV/Solar financing (30% AUM), and government-backed Salary Saathi loans (2% AUM). Growth hinges on scaling Mediclaim AUM to ₹1,000 crore (50-60% of total AUM) by FY2026-27, expanding Salary Saathi to four new states, and reducing borrowing costs below 10% via PSU bank funding. Over 2-3 years, the company targets ₹2,500 crore AUM and ₹80-90 crore PAT (3x growth from FY2025-26), with long-term PAT ambitions of ₹500+ crore through PTC/DA transactions. Key execution risks include reliance on government MoUs for Salary Saathi expansion and credit concentration in high-growth Mediclaim segment.

Why is Mufin Green Finance Limited stock rising?

  • Target AUM of ₹2,500 crore for FY2026-27
  • Target PAT of ₹80-90 crore for FY2026-27 (nearly three times jump from FY26)
  • Target profitability of ₹500 crore+ in next 3-4 years
  • Targeting 50-60% of total AUM in Mediclaim Insurance Premium Financing by FY2026-27
  • Targeting ₹1,000 crore AUM in Mediclaim segment alone in FY2026-27

Research report

companyname: Mufin Green Finance Limited ticker: MUFIN sector: Non-Banking Financial Company (NBFC) – Green Finance / Climate Financing Mufin Green Finance Limited is a non-banking financial company incorporated in 2016. It started as a climate financing pioneer, lending specifically for electric vehicles and solar installations. Over the last few years, management realized that pure climate lending produced low margins and asset quality stress. So the company built two new technology-driven pr...

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Catalysts

margin expansion, new product segment, geographic expansion

Growth guidance

FY2026-27 AUM guided at ₹2,500 crore and PAT of ₹80-90 crore driven by Mediclaim Financing expansion to ₹1,000 crore

RS rating: 70 Stage: Stage 2

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