Manba Finance Limited — PPTs, 05-08-2025: Investor Presentation

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**1. Financial Highlights:**

Manba Finance delivered robust Q1 FY26 financial results. Asset Under Management (AUM) surged 43% YoY to ₹1,415.4 Cr. Disbursements grew 27% to ₹165.3 Cr. Net Interest Income (NII) rose 38% YoY to ₹30.6 Cr, and Profit After Tax (PAT) jumped 88% YoY to ₹9.8 Cr. Net Interest Margin (NIM) stood at 12.43% (ROA 2.5%). Gross NPA increased slightly to 3.47%, with Net NPA at 2.64%.

**2. Strategic Initiatives & Growth Drivers:**

The company plans deeper market penetration and geographic expansion, specifically targeting Electric 2/3-wheeler financing. Technology investments include a new web-based app for business correspondents, Salesforce integration, and WhatsApp messaging to boost efficiency and customer acquisition.

**3. Business Developments:**

New partnerships for used two/four-wheeler products were established. A new collection app improved efficiency. New Business Correspondence partnerships formed, and the company qualified as a mid-layer NBFC by RBI.

**4. Market Position & Competitive Advantage:**

With 28+ years' experience, Manba operates across 76 locations and 1,250+ dealers. It holds strong ratings (CARE BBB+, ACUITE A- Positive), highlights fast loan sanctions (60% in 1 minute), and nearly 100% secured credit with claimed industry-low NPAs.

**5. Investor Implications:**

Strong Q1 performance, driven by AUM and PAT growth, indicates significant positive growth potential. Strategic moves into EV financing and tech adoption are promising. Investors should monitor the slight rise in Gross NPA as a potential execution risk.