Manba Finance Ltd (NSE:MANBA)

Q4 2026 Manba Finance Ltd Earnings Call Transcript

May 19, 2026 / 08:30 AM GMT

Release Date Price: ₹108.33 (+2.50%)

Transcript

Key Points

Positve

Manba Finance Ltd (NSE:MANBA) reported a significant 34% year-on-year growth in net interest income for Q4 2026, reaching Rs. 50 crore.
The company's profit after tax increased by 39% year-on-year to Rs. 11 crore, indicating strong profitability.
Asset under management (AUM) grew by 29% year-on-year, reaching Rs. 1,713 crore, showcasing robust business expansion.
The company has a fast loan sanction process, with over 60% of loans sanctioned in one minute and 92% within a day.
Manba Finance Ltd (NSE:MANBA) has diversified its funding sources, securing Rs. 420 crore in Q4 2026, including a Rs. 100 crore term loan from SBI.

Negative

The company's loan portfolio is heavily skewed towards two-wheeler loans, accounting for 84.5% of the product mix, which may pose a concentration risk.
Despite the growth, the gross NPA stood at 3.33%, which, although improved, still indicates room for better asset quality management.
The provision coverage ratio increased from 24% to 26%, suggesting a cautious approach towards potential credit losses.
Manba Finance Ltd (NSE:MANBA) faces challenges in expanding its geographical footprint, with significant reliance on Maharashtra, Gujarat, and Rajasthan.
The company is experiencing competitive pressures in new geographies, requiring lower interest rates to attract quality customers, which could impact margins.

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

MNBA.NS - Manba Finance Ltd
Q4 2026 Manba Finance Ltd Earnings Call
May 19, 2026 / 08:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Q4 FY 2026 conference call of Manba Finance Limited, hosted by Valorem Advisors. As a reminder, all participant lines will be in the listen-only mode. There will be an opportunity for you to ask questions after the presentation concludes.

Should you need any assistance during this conference, please signal an operator by pressing and then 0 on your touch-tone telephones. Please note that this conference is being recorded. I now hand the conference over to Ms. Purvangi Jain from Valorim Advisors.

Thank you and over to you, ma'am.

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Unidentified_2 [2]
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