MOS Utility Ltd. Reports Stellar Earnings for H1FY26, PAT Jumps 57% YoY

MOS Utility Ltd. (NSE: MOS), an Indian fintech innovator providing digital payments, utilities, and financial services through a modular technology platform, has announced stellar earnings for the quarter and half year ended 30 September 2025.

For the half year ended 30 September 2025, the company reported revenue from operations at Rs. 137.02 Cr (H1FY26), growing 49% YoY from Rs. 91.90 Cr (H1FY25). EBITDA came in at Rs. 13.93 Cr (H1FY26), growing 63% YoY. PAT jumped 56.78% YoY and was reported at Rs. 7.83 Cr (H1FY26).

Recently, the company collaborated with nStore to drive consumer lending accessibility. The strategic partnership between MOS Utility Limited and nStore marks a transformative step in India’s digital lending landscape. By integrating MOS’s extensive merchant network with nStore’s advanced digital lending infrastructure and ONDC capabilities, the collaboration will democratize credit access, particularly in semi-urban and rural areas. This initiative empowers consumers with instant, transparent, and secure loan options, fosters merchant-led financial inclusion, and supports the vision of a Digitally Empowered and Financially Inclusive India.

Through this collaboration, consumers will be able to avail Personal Loans and Gold Loans seamlessly via MOS’s extensive network of merchant outlets. By leveraging nStore’s ONDC-enabled digital lending infrastructure, MOS aims to bring instant, transparent, and secure credit solutions to consumers—particularly in semi-urban and rural regions— while empowering merchants to serve as last-mile facilitators in the financial ecosystem.

Earlier, through its subsidiary JC Ventures Private Limited, the company announced the signing of a Memorandum of Understanding (MOU) with My Mudra Fincorp Limited, a leading financial service provider specializing in unsecured business loans, insurance, and mortgage consultancy across India.

MOS has rich and varied experience with reputed Giant corporations in India, MOS is conglomerate of various businesses web & App based banking /travel/utility services etc. JC Ventures, a subsidiary of MOS, is a leading financial services provider with a strong PAN-India CSP/BC network. With operations spanning over 25 states, JC Ventures is poised to revolutionize digital financial services by driving deeper penetration across both rural and urban markets. Through its expansive reach, the company is committed to ensuring equitable access to financial opportunities for all.

MOS Utility Limited is one of the leading fintech companies, offering different types of Fintech and Utility Payment Solutions services to businesses and individuals. With a customer-centric approach, the company is committed to delivering seamless and secure fintech solutions that enhance accessibility and drive financial inclusion. MOS has rich and varied experience with reputed Giant corporations in India, MOS is a conglomerate of various businesses web & App based banking /travel/utility services etc. MOS has set up a well-knit Agent network over more than 25 states which is a vast network that would result in a massive impact in reaching last-mile consumers.