Manba Finance Q2 FY27: PAT ₹1,300 Cr & Rev ₹4,200 Cr

Metric	Value
Revenue	₹4,200 Cr
Net Profit (PAT)	₹1,300 Cr

📢 Key Event
Manba Finance reported Q1 FY27 net profit of ₹13 crores, up 36% YoY, with AUM growth of 22% to ₹1,731 crores.

🔄 What Changed

Net interest income grew 36% YoY to ₹42 crores; disbursements rose 37% YoY to ₹226 crores; gross NPA held at 3.41% and net NPA at 2.52%. Capital adequacy ratio declined from 29.81% (FY25) to 25% (current), prompting a planned INR100 crores preference share raise by September/October 2026.

🔮 What's Next
INR100 crores preference share raise planned by September/October 2026; AUM growth target of 35-40% for FY27; two-wheeler portfolio share to reduce from 84% to 65% within three years; break-even expected for Sreesastha partnership within 6-9 months; ROA target of 3.5% and net interest margin of 13-14% for FY27.

💡 Investor Takeaway
The company is proactively raising capital to fund growth while diversifying beyond two-wheelers, targeting higher-margin products and South India expansion to sustain 35-40% AUM growth and improve profitability metrics like ROA and net interest margin.

Manba Finance Limited reported Q1 FY27 net interest income of ₹42 crores, up 36% YoY, and profit after tax of ₹13 crores, up 36% YoY. AUM grew 22% YoY to ₹1,731 crores as of June 30, 2026, driven by 37% YoY disbursement growth to ₹226 crores. The company declared an interim dividend of INR0.25 per share. Asset quality remained stable with gross NPA at 3.41% and net NPA at 2.52%. Jay Mota highlighted plans to raise INR100 crores in preference shares by September/October 2026 to support growth. The company targets 35-40% AUM growth for FY27 and aims to reduce two-wheeler portfolio share from 84% to 65% within three years through expansion into MSME LAP, EV battery financing, and South India via Sreesastha partnership. Jay Mota noted 60% of borrowing is term loans, 25% NCDs, and 15% PTC/CC. Technology remains 90% proprietary, with increased capex for personal loan software. ROA target is 3.5% for FY27, with net interest margin expected at 13-14%.

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About Manba Finance Limited (MANBA)

Financial Services · Finance · Listed on NSE

Market Cap: ₹649.85 Cr P/E: 13.3 ROE: 13.3% ROCE: 15.8% Div Yield: 0.19%

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