Arman Financial Services Limited — Investor Meet, 20-11-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Arman Financial Services reported a turnaround, posting an INR 8 Cr profit for the quarter, following an H1 loss of INR 6.6 Cr. Asset quality notably improved, with consolidated GNPA at 3.69% and NNPA at 0.53%, alongside collection efficiency strengthening to 95.6%. The microfinance segment is showing signs of recovery, bolstered by a new credit officer model that reveals 40% lower delinquencies in newly originated loans. Non-MFI segments continue their robust growth. Management is adopting a calibrated growth strategy, prioritizing portfolio quality over rapid expansion, and foresees further asset quality stabilization and reduced credit costs. Sentiment leans cautiously optimistic as the recovery gains traction.