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Manappuram Finance Limited — Q1FY27 Earnings Call Summary
Key Takeaways
- Pricing actions raised gold loan yields; stable yield guidance around 18% going forward
- Interim dividend declared at INR1/share for Q1 FY27
- Branch expansion plan: 500 new branches in FY27, mainly in South, Central, and East India
- Management targets ROA 3.5-4% and ROE 15-18% within 3 years
- Consolidated AUM at INR69,635 Cr, +9% QOQ, +57% YOY; gold loan AUM 82% of total
- Consolidated revenue INR3,033 Cr, +16% QOQ, +34% YOY; PAT INR585 Cr, +45% QOQ, +47% YOY
- Standalone gold loan AUM INR54,655 Cr, +12% QOQ, +97% YOY; yield improved by 59 bps to ~18%
- Microfinance AUM INR7,188 Cr, +5.8% QOQ, +7.2% YOY; PAT INR21 Cr, +58% QOQ, +108% YOY
- Vehicle finance AUM declined 14.3% QOQ; focus on collections due to elevated GNPA
- New CEO Ashish Singh to join by Jan 1, 2027; experienced in retail banking and NBFCs
📄 Source: View original transcript (PDF)
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Summary generated by AI from the official transcript filed on BSE/NSE. Not investment advice.