Q1 2026 Manappuram Finance Ltd Earnings Call Transcript

Aug 8, 2025 / 11:30 AM GMT

Release Date Price: ₹258.55 (-0.75%)

Transcript

Key Points

Positve

Manappuram Finance Ltd (BOM:531213) reported a 12.6% growth in its consolidated assets under management (AUM), showcasing strong performance despite heightened competition.
The company added 3.58 lakh new customers during the quarter, increasing its total active customer base to 25.9 lakh.
The home loan portfolio grew by 4.3% sequentially and 90.8% year-over-year, indicating robust growth in this segment.
The company's capital position remains strong with a capital adequacy ratio (CRAR) of 28.71%, ensuring financial stability.
There was a minor decline in the cost of borrowing by 2 basis points, which could positively impact future profitability.

Negative

The standalone profit after tax (PAT) for the quarter decreased to INR392 crore from INR414 crore, primarily due to lower income from non-gold businesses.
The microfinance sector experienced a slowdown due to increased borrower defaults, leading to higher credit costs and negatively impacting profitability.
Vehicle finance saw a decline of 5.2% sequentially, reflecting challenges in asset quality, particularly in the two-wheeler and farm segments.
The company's gold loan yields have dropped from 22% to 20.5%, and further reductions are expected, which may impact revenue.
The microfinance book's customer count has been declining, attributed to system upgrades, which may affect growth in the short term.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

MNFL.NS - Manappuram Finance Ltd
Q1 2026 Manappuram Finance Ltd Earnings Call
Aug 08, 2025 / 11:30AM GMT

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Presentation
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