Manba Finance Limited — PPTs, 18-03-2025: Investor Presentation

**Financial Highlights:** Manba Finance reported a 48% growth in total Assets Under Management (AUM) at INR 13,038 Mn for the first nine months of FY25, up from INR 8,805 Mn in the same period last fiscal. Net Interest Income surged by 54.3% to INR 926 Mn, driven by increased disbursements which rose by 28% to INR 6,715 Mn. Gross Non-Performing Assets (NPA) improved to 2.83%, down from 3.56% year-on-year, while Net NPA also decreased to 2.21%.

**Strategic Initiatives and Growth Drivers:** The company is expanding its footprint by tapping into Uttar Pradesh, Madhya Pradesh, and reinforcing its presence in electric two-wheeler (EV2W) and three-wheeler (EV3W) markets. The launch of new products like Small Business Loans and Used Car Loans aims to diversify offerings and cater to growing sectors.

**Business Developments:** Manba Finance enhanced its network by onboarding over 1,100 dealers, achieving a 30% growth in dealer partnerships. The company is strengthening its technological infrastructure to deliver rapid loan processing, which is crucial in a competitive landscape.

**Market Position and Competitive Advantage:** With a strong presence across six states and an experienced leadership team, Manba differentiates itself through swift loan approvals and a focus on undersecured credit exposure, contributing to industry-leading low NPA rates.

**Investor Implications:** Investors should note Manba Finance’s positive trajectory with strong financials and growth initiatives. The continuous focus on technology and new market expansion presents potential growth, making it a company to watch closely in the evolving NBFC landscape.