Arman Financial Services Q4FY26 Results: PAT at ₹56.6 Crore, AUM ₹2,728 Crore
Arman Financial Services reported Q4FY26 results with Profit After Tax at ₹56.6 Crore and AUM at ₹2,728 Crore, up 21.5% YoY. Disbursements grew 42% to ₹2,433 Crore. The company maintained a GNPA of 3.43% and NNPA of 0.93%, with a collection efficiency of 95.8%.
The results show positive growth and financial performance, which is material for investors, but no significant new strategic initiatives or major corporate actions were announced.
The company reported growth in AUM and disbursements, along with improved profitability and maintained asset quality metrics.
Arman Financial Services Limited announced its standalone and consolidated financial results for the quarter and year ended March 31, 2026. The company reported a Profit After Tax (PAT) of ₹56.6 Crore for FY26, a 9% increase compared to ₹52.1 Crore in FY25. The Assets Under Management (AUM) grew by 21.5% year-on-year to ₹2,728 Crore as of March 31, 2026. Disbursements for the year increased by 42.0% year-on-year to ₹2,433 Crore.
The company's consolidated debt-to-equity ratio stood at 1.7x as of March 31, 2026. Capital Adequacy Ratio (CRAR) for Arman (Standalone) was 27.86%, and for Namra (subsidiary) it was 41.01%. Gross Non-Performing Assets (GNPA) were reported at 3.43% and Net Non-Performing Assets (NNPA) at 0.93%. Collection efficiency for FY26 was maintained at 95.8%. The active customer base grew to approximately 6.3 Lakhs.
Arman Financial Services highlighted its strong historical performance with a CAGR of ~32% in AUM, ~33% in Net Interest Income, and ~25% in PAT from FY16 to FY26. The company has a diversified lending portfolio, including Microfinance (47.15% of AUM), Individual Business Loans (26.10%), MSME Loans (20.31%), Two-Wheeler Loans (3.44%), and Loan Against Property (2.92%).
Key financial metrics for FY26 include a Profit Before Tax (PBT) of ₹77 Crore and Provisions and Write-offs of ₹148 Crore. Cumulative provisions stood at ₹77 Crore as of March 31, 2026. The company also mentioned its successful track record of capital raising, including ₹115 Crore via preferential allotment in September 2022 and ₹230 Crore through a Qualified Institutional Placement (QIP) in December 2023. The presentation also detailed the company's business update, geographical footprint, digital transformation initiatives for underwriting and collections, and its board of directors.
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