Investor Presentation on Financial Performance of Q4 FY 2025-26.
ARMANFIN · price
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Arman Financial Services reported FY26 consolidated AUM of INR 2,728 crore, up 21.5% YoY, with total disbursements of INR 2,433 crore growing 42% YoY. The NBFC posted PAT of INR 57 crore for FY26 (up 9% YoY) and PBT of INR 77 crore (up 12% YoY), supported by strong collection efficiency of 95.8% and improved NIMs at 17.2% in Q4. Asset quality showed GNPA of 3.43% and NNPA of 0.93%. The company operates 529 branches across 11 states serving ~6.3 lakh customers, with microfinance (47.1%) and MSME loans (20.3%) forming the core portfolio. Capital adequacy remains healthy at 27.86% for standalone and 41.01% for subsidiary Namra Finance. The company has raised INR 395 crore cumulatively via PE investments, preferential allotments, and QIP to fund growth plans targeting INR 5,000+ crore AUM.
The company demonstrated resilient growth with strong disbursement momentum and improving margins, though provisions of INR 148 crore remain elevated amid ongoing asset quality normalization in rural lending. Healthy capital position and positive ALM provide headroom for continued expansion.