| Revenue growth | Total Income grew 34.2% YoY in Q1-FY27. |
|---|---|
| Margins | NIM at 12.13% for Q1-FY27; Cost of Borrowings 10.86%. |
| Demand visibility | Strong demand in core vehicle finance and EV segments. |
| Management confidence | High; expanding into new geographies and product verticals. |
Growth
Q1-FY27 Total AUM grew 22.3% YoY to INR 17,308 Mn; NII rose 35.9% to INR 416 Mn.
Outlook
Expanding into Karnataka and Tamil Nadu; scaling MSME LAP and used car financing to diversify the book.
Risks
Gross NPA at 3.41%; reliance on 2-wheeler segment (84.1% of AUM) remains high despite diversification.
Last quarter's promises, checked
Delivered
- Guided 25-30% AUM growth → delivered 22.3% (= MISS)
- Guided focus on UP/MP expansion → delivered strengthened portfolio in these states (= BEAT)
- Guided launching MSME LAP → delivered launched in Mumbai and Pune (= BEAT)
Partly delivered
- Guided Karnataka expansion in Q2 → delivered South India operations launch (= BEAT)
- Guided reducing 2W dependency to 65% in 3 years → delivered 84.1% (= PARTIAL)
Missed
- Guided average cost of borrowing < 10.50% → delivered 10.86% (= MISS)
Investor Presentation filed with NSE, NSE: MANBA. Summary written with AI assistance from the document.
Manba Finance Ltd: key numbers
- Share price
- ₹139.35
- Market cap
- ₹700.1 Cr
- Revenue (annual)
- ₹328.2 Cr
- Net profit (annual)
- ₹45.36 Cr
- P/E (TTM)
- 14.3×Sector 22.0×
- Promoter holding
- 74.98%+0.00% QoQ
- FII holding
- 0.92%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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