Arman Financial Services Limited — Q2FY27 earnings call summary

Filed 13 November 2026 · Official transcript

Cost-to-income ratio improved to 42.6% in Q2 FY27; target 7% of AUM by Mar 2027
INR5,000 Cr AUM target achievable within 18 months; opex to AUM expected ~6%
Incremental borrowing cost reduced to 11.3% in Q2; capital adequacy ~36-37%
Consolidated AUM crossed INR3,209 Cr (+51% y-y); Q2 PAT INR51 Cr vs INR8 Cr y-y
Digital collections at 49% of microfinance repayments as of Sep 2026
CGFMU credit guarantee scheme renewal pending; 51% MFI and 30% MSME portfolio covered
Namra Finance Q2 PAT INR34 Cr vs loss of INR1 Cr y-y; NIM improved to 16.6%
Standalone AUM INR784 Cr (+26% y-y); PAT INR17 Cr in Q2