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Arman Financial Services reported a tough FY ‘25 with Namra Finance’s net profit down sharply to Rs. 7.8 Cr from Rs. 138.3 Cr and a Q4 loss due to high provisions amid rural stress. Namra’s AUM dropped 23% YoY to Rs. 1,686 Cr; consolidated AUM fell 15% to Rs. 2,245 Cr. Disbursements declined 26%. A strategic restructuring separated credit and recovery functions to improve underwriting, raising costs but aiming for lower credit costs long-term. Collection efficiency improved to ~98.8%. Non-MFI segments grew 25% to Rs. 560 Cr AUM with stable asset quality. Consolidated gross income rose 10% to Rs. 730 Cr, while PAT fell 70% to Rs. 52 Cr due to provisions of Rs. 117 Cr (5.23% of AUM). Capital ratios remain strong. Management is cautious on near-term MFI growth but optimistic on asset quality stabilization and standalone segment expansion. The new credit structure pilot showed early signs of improvement, with full rollout expected by Q2 FY ‘26.