Manba Finance Limited — PPTs, 19-05-2026: Investor Presentation

Manba Finance delivered strong FY26 results.

1. **Business Performance:** Total Revenue hit ₹330.2 Cr, and Net Interest Income (NII) reached ₹161.6 Cr, up 24.3% year-over-year (YoY). Profit After Tax (PAT) grew 20.1% to ₹45.4 Cr. Assets Under Management (AUM) surged 28.6% to ₹1,712.7 Cr, with disbursements at ₹976.9 Cr, up 16%. The company specializes in financing two-wheelers, three-wheelers, used cars, and small business loans across 6 states.

2. **Growth Drivers or Strategy:** Manba is expanding into new markets like Madhya Pradesh, Uttar Pradesh, and Rajasthan, alongside a strong focus on financing electric two and three-wheelers. The company is heavily investing in technology for paperless onboarding, swift loan approvals, and enhanced customer engagement through digital platforms.

3. **Recent Developments:** Manba signed a strategic Memorandum of Understanding (MoU) with TVS Motor Company to finance three-wheelers nationwide. They also strengthened their used two-wheeler network by adding more dealers and significantly boosted funding by raising ₹419.7 Cr in Q4, including a ₹100 Cr term loan from SBI and a ₹50 Cr NCD issuance.

4. **Key Financial Metrics:** FY26 Diluted EPS stood at ₹9.03, up 20.1% YoY. Gross NPA improved to 3.33% and Net NPA to 2.46%, reflecting strong risk management.

5. **Management Commentary / Outlook:** Management highlighted prudent risk management with credit losses below 1% and robust collection efficiency. A strong capital adequacy ratio of 24.46% supports future growth initiatives.