{"id":199976,"date":"2026-08-12T16:26:17","date_gmt":"2026-08-12T10:56:17","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=199976"},"modified":"2026-08-12T16:26:20","modified_gmt":"2026-08-12T10:56:20","slug":"fusion-micro-finance-vs-arohan-financial-services-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/","title":{"rendered":"Fusion Micro Finance vs Arohan Financial Services: Share Price, PE, ROE Compared"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Fusion Micro Finance MCap Rs 3,348 Cr, PE 240.81x (near-zero earnings), ROE 0.56%. Arohan Financial Services MCap approx Rs 1,500-2,000 Cr (data approximate).<\/em><\/p>\n<p>Fusion Micro Finance vs Arohan Financial Services is a comparison microfinance investors look up when evaluating two listed Indian microfinance institutions (MFIs). Fusion Micro Finance, a Delhi-based company (listed 2022), is a large microfinance NBFC providing small group loans to low-income women borrowers across North, East and South India. Arohan Financial Services, a Kolkata-based company, is a microfinance NBFC focused on East and North-East India&#8217;s underserved women borrowers. The Fusion Micro Finance versus Arohan comparison covers two MFIs in a sector-wide stress period &#8211; Fusion&#8217;s PE of 240x reflects near-zero earnings.<\/p>\n<p>This Fusion Micro Finance vs Arohan Financial Services article covers reach and market position, key products, latest declared results and stock valuation. All data is sourced from Groww and public company filings.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#Reach_and_Market_Position\" title=\"Reach and Market Position\">Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#Key_Products_and_Business_Mix\" title=\"Key Products and Business Mix\">Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#Latest_Results_and_Financial_Data\" title=\"Latest Results and Financial Data\">Latest Results and Financial Data<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#Stock_Performance_and_Valuation\" title=\"Stock Performance and Valuation\">Stock Performance and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#Fusion_Micro_Finance_vs_Arohan_Financial_Services_Quick_Comparison_Table\" title=\"Fusion Micro Finance vs Arohan Financial Services: Quick Comparison Table\">Fusion Micro Finance vs Arohan Financial Services: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#What_is_microfinance\" title=\"What is microfinance?\">What is microfinance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#What_is_a_JLG_loan\" title=\"What is a JLG loan?\">What is a JLG loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#Why_is_Fusion_Micro_Finance_PE_so_high\" title=\"Why is Fusion Micro Finance PE so high?\">Why is Fusion Micro Finance PE so high?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#What_is_MFI_sector_stress\" title=\"What is MFI sector stress?\">What is MFI sector stress?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#Which_is_larger_Fusion_or_Arohan\" title=\"Which is larger, Fusion or Arohan?\">Which is larger, Fusion or Arohan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#Are_Fusion_and_Arohan_in_Nifty_50\" title=\"Are Fusion and Arohan in Nifty 50?\">Are Fusion and Arohan in Nifty 50?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/fusion-micro-finance-vs-arohan-financial-services-comparison\/#Should_I_invest_in_stressed_MFI_companies\" title=\"Should I invest in stressed MFI companies?\">Should I invest in stressed MFI companies?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Reach_and_Market_Position\"><\/span><strong>Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In this Fusion Micro Finance vs Arohan Financial Services comparison, Fusion Micro Finance serves women borrowers through its Joint Liability Group (JLG) loan model across UP, Bihar, Rajasthan, Odisha and other states. Market capitalisation is Rs 3,348 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=fusionmfi-vs-arohan\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>Arohan Financial Services serves women borrowers in West Bengal, Odisha, Bihar, Assam and North-East India through JLG microfinance loans. Market capitalisation is approximately Rs 1,500-2,000 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Products_and_Business_Mix\"><\/span><strong>Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For the Fusion Micro Finance vs Arohan Financial Services product breakdown, Fusion Micro Finance: Fusion earns from JLG microfinance loan interest. EPS is Rs 0.86 (near-zero!). PE is 240.81x &#8211; distorted by minimal earnings. ROE is 0.56 percent, D\/E 2.27. Fusion&#8217;s near-zero earnings reflect MFI sector-wide stress.<\/p>\n<p>Arohan Financial Services: Arohan earns from JLG microfinance loan interest. Data is approximate &#8211; investors should verify current financials from exchange filings. MFI sector is under significant stress.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Latest_Results_and_Financial_Data\"><\/span><strong>Latest Results and Financial Data<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the Fusion Micro Finance vs Arohan Financial Services results front: Fusion Micro Finance has a market cap of Rs 3,348 Cr and near-zero earnings (PE 240x, ROE 0.56%). The microfinance sector has faced significant stress due to over-indebtedness of borrowers and collection challenges.<\/p>\n<p>Arohan Financial Services has a market cap of approximately Rs 1,500-2,000 Cr. Arohan focuses on East India&#8217;s microfinance market. Both companies are impacted by the sector-wide MFI stress.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare Fusion Micro Finance and Arohan Financial Services Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Stock_Performance_and_Valuation\"><\/span><strong>Stock Performance and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investors tracking the Fusion Micro Finance vs Arohan Financial Services comparison should verify current prices on NSE or BSE before trading. The Fusion Micro Finance vs Arohan Financial Services stock data below reflects the latest available figures from Groww and public company filings.<\/p>\n<p>Fusion Micro Finance versus Arohan: Fusion (PE 240x, near-zero earnings, Rs 3,348 Cr) vs Arohan (approx Rs 1,500-2,000 Cr, sector stress). Both are in an MFI stress period &#8211; investors must review current financial health carefully.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fusion_Micro_Finance_vs_Arohan_Financial_Services_Quick_Comparison_Table\"><\/span><strong>Fusion Micro Finance vs Arohan Financial Services: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The comparison table below summarises the key metrics side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/fusion-micro-finance-ltd-share-price-today\">Fusion Micro Finance<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/arohan-financial-services-ltd-share-price-today\">Arohan Financial Services<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Microfinance JLG loans: women borrowers in North + East India (private NBFC)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Microfinance JLG loans: women borrowers in East + North-East India (private NBFC)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 3,348 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx Rs 1,500-2,000 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">240.81x (near-zero earnings)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx (verify from filings)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.56% (near-zero)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx (verify from filings &#8211; sector stress)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Geography<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">North + East India (UP, Bihar, Rajasthan, Odisha)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">East + North-East India (WB, Odisha, Bihar, Assam)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Loan Type<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Joint Liability Group (JLG) microfinance<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Joint Liability Group (JLG) microfinance<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Status<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Near-zero earnings (sector stress)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Under stress (verify from filings)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Fusion Micro Finance vs Arohan Financial Services comparison above covers reach, products, results and valuation. Fusion Micro Finance versus Arohan Financial Services covers two microfinance NBFCs in a sector-wide stress period. The MFI sector faces over-indebtedness among borrowers and collection challenges across India. Fusion&#8217;s near-zero earnings and Arohan&#8217;s sector exposure both require careful monitoring. The Fusion and Arohan comparison reflects MFI sector headwinds. Investors must verify current financial status from exchange filings. Consult a SEBI-registered advisor before investing in stressed sectors.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Fusion Micro Finance and Arohan Financial Services live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_microfinance\"><\/span><strong>What is microfinance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Microfinance involves providing small collateral-free loans (Rs 10,000-Rs 1,00,000) to low-income women for income-generating activities (small business, livestock, trade). Loans are given to groups of 5-20 women who collectively guarantee repayment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_JLG_loan\"><\/span><strong>What is a JLG loan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> JLG (Joint Liability Group) loans are given to a group of women who guarantee each other&#8217;s loans. If one member defaults, the group is responsible &#8211; this peer pressure mechanism improves repayment rates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_is_Fusion_Micro_Finance_PE_so_high\"><\/span><strong>Why is Fusion Micro Finance PE so high?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Fusion&#8217;s PE of 240x reflects near-zero earnings (EPS only Rs 0.86) from the MFI sector-wide stress &#8211; not a high valuation in the traditional sense, but a distortion caused by minimal profit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_MFI_sector_stress\"><\/span><strong>What is MFI sector stress?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The MFI sector faces challenges when borrowers take too many loans from multiple MFIs (over-indebtedness), leading to repayment stress and higher NPAs (non-performing assets). This reduced Fusion&#8217;s earnings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_is_larger_Fusion_or_Arohan\"><\/span><strong>Which is larger, Fusion or Arohan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Fusion Micro Finance at Rs 3,348 Cr is approximately 1.7-2.2 times larger than Arohan at approximately Rs 1,500-2,000 Cr.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_Fusion_and_Arohan_in_Nifty_50\"><\/span><strong>Are Fusion and Arohan in Nifty 50?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Neither is in Nifty 50.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_invest_in_stressed_MFI_companies\"><\/span><strong>Should I invest in stressed MFI companies?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Stressed MFI companies carry high risk. Investors should carefully review NPA levels, collection efficiency and provisioning from the latest exchange filings and consult a SEBI-registered advisor.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Fusion Micro Finance vs Arohan Financial Services: Fusion PE 240x on near-zero earnings amid MFI sector stress. 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