Arman Financial Services Q4FY26 PAT Jumps 221% QoQ to ₹41 Crore
Arman Financial Services reported Q4FY26 consolidated PAT of ₹41 Crore, a 221% sequential jump. FY26 PAT was ₹57 Crore, up 8.7% YoY. Consolidated AUM reached a record ₹2,728 Crore (up 21.5% YoY). FY26 disbursements were ₹2,433 Crore (up 42% YoY). Q4FY26 disbursements surged 75% YoY to ₹951 Crore. The company maintained a strong capital adequacy ratio of 27.86%.
The announcement details significant financial performance improvements, including record AUM, substantial PAT growth, and strong disbursement figures. These positive results are material for investors and indicate a strong operational and financial health of the company.
The company reported strong year-on-year and sequential growth in key financial metrics including Assets Under Management (AUM), disbursements, and Profit After Tax (PAT). The AUM reached an all-time high, and disbursements saw significant increases, indicating robust business performance.
Arman Financial Services Limited announced its audited financial results for the quarter and full year ended March 31, 2026. The company reported consolidated Assets Under Management (AUM) reaching an all-time high of approximately ₹2,728 Crore, marking a 21.5% year-on-year growth. Consolidated disbursements for FY26 stood at approximately ₹2,433 crore, a 42% increase from FY25, driven by improved on-ground demand and stabilization in the microfinance segment. Q4FY26 saw the highest ever quarterly disbursements of approximately ₹951 Crore, a 75% year-on-year growth.
For the full year FY26, net total income amounted to approximately ₹440 Crore, with Pre-Provisioning Operating Profit (PPoP) at ₹226 Crore. Profit After Tax for FY26 was ₹57 Crore, an 8.7% year-on-year growth. In Q4FY26, the profit after tax was ₹41 Crore, a significant 221.3% increase sequentially. Shareholders' Equity as of March 31, 2026, stood at approximately ₹933 Crore.
The company maintained a healthy liquidity position with ₹229 Crore in cash/bank balance and liquid investments, plus ₹275 Crore in undrawn sanctions from lenders. Collection efficiency for March 2026 was 96.9%, with the microfinance segment at 97.0%, MSME at 96.4%, and 2W segment at 97.7%.
Asset quality metrics showed GNPA at 3.43% and NNPA at 0.93%. Cumulative Provisions stood at ₹77 Crore. The Two-Wheeler, MSME, and Loan Against Property (LAP) segments saw AUM grow by 30.4% year-on-year to ₹730 Crore, with total disbursements of approximately ₹636 Crore in FY26. Net Total Income for these segments reached a record high of approximately ₹160 crore, a 13% year-on-year growth.
The microfinance segment (Namra) reported an AUM of approximately ₹1,999 Crore as of March 31, 2026. Disbursements for FY26 were approximately ₹1,798 Crore. Profit After Tax for FY26 was approximately ₹13 Crore, a 64.2% year-on-year increase, while Q4FY26 PAT stood at ₹29 Crore. Total ECL provisions declined by 46.4% year-on-year to ₹48 crore. Active MFI customers stood at approximately 4.9 lakh, with GNPA at 3.40% and NNPA at 0.95%.
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Arman Financial Services Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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