Arman Financial Services Limited — Q1FY27 earnings call summary

Filed 20 August 2026 · Official transcript

Credit cost guidance around 3% to 3.5%; focus on quality growth and disciplined underwriting
Consolidated AUM grew 36% y-y to INR2,925 Cr; disbursements up 76% y-y to INR686 Cr in Q1 FY27
Namra Finance AUM at INR2,167 Cr (+39% y-y); disbursements INR530 Cr; PAT INR30 Cr vs loss in Q1 FY26
Consolidated PPOP rose to INR77 Cr; cost-to-income improved to 44.3%
LAP product growth slower due to competition; solar loans small scale, low risk, 18-20% yield
Collection efficiency steady at 96.6%; GNPA improved to 2.76%, NNPA to 0.84%
Standalone AUM at INR758 Cr (+26% y-y); MSME disbursements INR156 Cr; PAT INR15 Cr (+17% y-y)
Individual loans performing better than JLG; digital collections improving opex efficiency