Manba Finance Releases Q4 & FY26 Earnings Call Transcript
Manba Finance Limited held an earnings call for Q4 & FY26. For Q4 FY26, net interest income grew 34% YoY to ₹50 crore, and PAT rose 39% YoY to ₹11 crore. FY26 PAT increased 20% YoY to ₹45 crore. AUM reached ₹1,713 crore (up 29% YoY). The company plans 25-30% annual AUM growth and aims to diversify its loan portfolio.
The announcement provides a detailed update on the company's financial performance, strategic direction, and future growth plans, which are crucial for investors and stakeholders.
The company reported strong year-on-year growth in net interest income and profit after tax for both the quarter and the full year. AUM growth was robust, and asset quality remained stable. Management expressed confidence in future growth and strategic initiatives.
Manba Finance Limited has released the transcript of its Earnings Conference Call held on May 19, 2026, to discuss the financial results for the quarter and year ended March 31, 2026. The call featured opening remarks from Managing Director Mr. Manish Shah, who provided an overview of the company's business, operational highlights, and strategic initiatives, including an MOU with TVS Motor Company. He highlighted the company's focus on a diversified loan portfolio, including new and used 2-Wheeler loans, 3-Wheeler financing, and small business loans, operating across 130 locations in six states.
Executive Director and CFO Mr. Jai Mota presented the financial performance. For Q4 FY26, net interest income was ₹50 crore (up 34% YoY), and profit after tax was ₹11 crore (up 39% YoY). For FY26, net interest income stood at ₹162 crore (up 24% YoY), and profit after tax was ₹45 crore (up 20% YoY). The Asset Under Management (AUM) reached ₹1,713 crore, a 29% year-on-year growth, with disbursements at ₹977 crore for the year. The company secured ₹420 crore in funding during the quarter from various banks and NBFCs, including a ₹100 crore term loan from SBI. Asset quality remained strong, with Gross Stage-3 assets at 3.33% and Net Stage-3 assets at 2.46%. Capital adequacy ratio was healthy at 24.46%. The average cost of borrowing improved to 10.64%.
During the Q&A session, management discussed future growth strategies, including targeting a 25-30% AUM growth annually, with a projected AUM of ₹2,300-2,400 crore for the current year. They aim to reduce the 2-Wheeler loan dependency to around 65% in three years, increasing the share of other products like 3-Wheeler, used car, and MSME LAP. Expansion plans include focusing on UP and MP, with potential entry into Karnataka and later West Bengal. The company is also leveraging AI for efficiency in collections and dynamic pricing. Management confirmed financing for both ICE and EV vehicles, with a particular focus on EV 3-Wheelers and noted the MSME LAP product has started disbursing from two branches.
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Manba Finance Limited filed this with the NSE as a statutory disclosure, categorised under concall transcript released. 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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See the model portfoliosA plain-language summary of a public exchange filing by Manba Finance Limited. Read the original for the full detail.