Arman Financial Services Q3FY26 Profit After Tax Rises 177.5% QoQ to ₹22 Crore
Arman Financial Services reported Q3FY26 consolidated PAT of ₹22 Crore, up 177.5% QoQ. 9MFY26 PAT was ₹16 Crore. Consolidated AUM stood at ₹2,274 Crore. Disbursements for 9MFY26 grew 27% YoY to ₹1,482 Crore. Mr. Aalok Patel appointed new Vice Chairman & MD, succeeding Mr. Jayendra Patel.
The substantial increase in profitability and growth in key financial metrics like AUM and disbursements, coupled with leadership changes, are likely to have a significant impact on investor sentiment and the company's future prospects.
The company reported a significant quarter-on-quarter increase in profit after tax (177.5%) and year-on-year growth in disbursements, indicating strong operational performance and recovery.
Arman Financial Services Limited announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The company reported a consolidated Profit After Tax (PAT) of ₹22 Crore for Q3FY26, a significant increase of 177.5% compared to the previous quarter. For the nine months ended FY26 (9MFY26), the PAT stood at ₹16 Crore.
The consolidated Assets Under Management (AUM) were ₹2,274 Crore. Disbursements for 9MFY26 reached approximately ₹1,482 Crore, a year-on-year growth of 27%, with Q3FY26 disbursements showing a substantial 83% growth to ₹618 Crore.
Pre-Provisioning Operating Profit (PPoP) for 9MFY26 was ₹166 Crore, while for Q3FY26 it stood at ₹55 Crore. Net total income for 9MFY26 was ₹318 Crore. Shareholders' Equity as of December 31, 2025, was ₹892 Crore.
The company maintained a healthy liquidity position with ₹247 Crore in cash and bank balances, liquid investments, and undrawn limits. Additionally, ₹320 Crore in undrawn sanctions were available from existing lenders.
Collection efficiency for December 2025 was 96.3%. Asset quality metrics showed Gross Non-Performing Assets (GNPA) at 3.40% and Net Non-Performing Assets (NNPA) at 0.77%. Cumulative provisions stood at ₹74 Crore.
In the MSME, Two-Wheeler, and Loan Against Property (LAP) segments, AUM grew by 28.2% YoY to ₹657 Crore. Gross Total Income for these segments increased by 20.2% YoY to ₹157 Crore in 9MFY26. PAT for these segments in 9MFY26 was ₹31 Crore.
The Microfinance segment (Namra) reported an AUM of ₹1,618 Crore as of December 31, 2025. Disbursements for 9MFY26 were ₹1,060 Crore. The segment reported a loss of ₹16 Crore for 9MFY26, but Q3FY26 was profitable with a PAT of ₹13 Crore. GNPA for the microfinance segment was 3.40% and NNPA was 0.66%.
Mr. Jayendra Patel announced his transition from Vice Chairman & Managing Director to Whole-Time Director, with Mr. Aalok Patel taking over as the new Vice Chairman & Managing Director. Mr. Vivek Modi will assume the role of Executive Director and Group CFO.
The company raised ₹522 Crore of debt during the quarter at competitive rates. The capital adequacy ratio stood at 38.3% for Arman (standalone) and 52.3% for Namra.
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