MOS Utility Ltd(MOS)

NSE: MOS

₹ 6.65+4.72%refreshed 26 Oct, 03:30 pm ISTMarket cap: ₹ 171 crUpdated: 24 Oct 2026

About

MOS Utility Ltd is a digital and financial inclusion service provider with a pan-India presence, serving underserved and unbanked segments through kirana stores and SMEs acting as micro franchisees. It offers 25+ digital financial services across B2B, B2C and Fintech segments, including AEPS, money transfer, bill payments, insurance and travel bookings. The company reported revenue of 635.24 in FY26 and is listed on the NSE Emerge platform.^[1][2]

Business segments

As of FY25, the company operates across B2B, B2C and Fintech segments, using kirana stores and SMEs as micro franchisees.^[1]

Products and services

As of FY25, offers more than 25 digital financial services, including AEPS, money transfer, utility bill payments, insurance, recharges, PAN services and travel bookings.^[1]
Fintech offerings as of FY25: AEPS (Aadhaar-based cash withdrawal, balance inquiry and mini statements), Micro ATM, UPI, BBPS and Domestic Money Transfer.^[1]

Distribution network

As of FY25, the network covers 1,72,000 agents, 11,500 distributors, 900 master distributors and 250 MOS Seva Kendras.^[1]
The FY25 annual report's CEO profile describes the platform as trusted by over 150,000 retail partners.^[1]

Customers and partners

As of FY25, the company is a partner for institutions including IRCTC, SBI, NSDL and BOI.^[1]
As of FY25, the company has alliances with Croma, India Post and BOI.^[1]

Operating model

As of FY25, the company runs an asset-light model that keeps capital expenditure low.^[1]
The company is listed on the NSE Emerge platform, per the FY25 annual report.^[1]

Acquisitions and subsidiaries

On 4 September 2024, acquired a 51% stake in Samvridhhi Inclusive Growth Network Private Limited, which became a subsidiary.^[1]
The FY25 annual report records the acquisitions of J C Ventures Pvt Ltd and Indicore Infocomm Pvt Ltd.^[1]

Recent developments

The FY26 annual report says the board has proposed ESOS 2026, an employee stock option scheme for staff of the company and its subsidiaries. Promoters and independent directors are excluded.^[3]
The FY26 annual report proposes M/s Pooja M Patel & Associates as secretarial auditor for FY27 to FY31, at Rs. 65,000 per annum.^[3]

Market Cap

₹171 Cr

High / Low

₹27 / 5

Stock P/E

8.6

Price / Book

1.5

Book Value

₹4

EPS

₹0.7

No. of Shares

25.74 Cr

ROE

18.2%

Sales

₹635 Cr

Net Profit

₹19 Cr

Promoter holding

36.2%

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Signal history

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Company data

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MOS Utility Ltd(MOS)

About

Business segments

Products and services

Distribution network

Customers and partners

Operating model

Acquisitions and subsidiaries

Recent developments

Signal history

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Verdict

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