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Manappuram Finance Ltd. is a non-banking financial company, which provides financial services, including gold loans, foreign exchange services, and remittances. The company is headquartered in Trichur, Kerala. The firm serves the credit requirements of people belonging to the lower socio-economic classes, particularly in rural and semi-urban areas of India. The firm offers a range of retail credit products and financial services. The firm has a diversified portfolio across retail, microfinance, small and medium enterprises (SMEs), and commercial customers. The firm offers gold loans against the security of gold jewelry. The Company’s short-term gold loan product is used primarily by customers who require immediate funds and may not have access to other forms of formal credit readily available. The company offers online gold loan, gold loan, SME finance, forex and money transfer, vehicle loan, doorstep gold loan, personal loan, micro home finance, hospitality industrial loan, teachers loan division, healthcare industry loan, other loans, other services, and two-wheeler finance.
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“Banking franchise in NBFC — Lending & Credit.”
Net Interest Income of ₹9,251 Cr on total income of ₹9,266 Cr.
Cost-to-income ratio at 27.3%. Provision coverage at 0.0% of income.
“yield expectation is in the range of 18% to 18.15%”
“Full strategic roadmap and formal guidances from next financial year onwards. Non-gold businesses returning to growth from Q1 FY27”
“4.25, four and a half stand alone...As we go into second half of next year.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 6.3%▲ | 2.8% |
| ROCE | 6.8%▲ | 4.2% |
| Net Margin | 10.7%▼ | 11.9% |
| EBITDA Margin | 56.3%▲ | 29.0% |
| Debt To Equity | 3.57x▲ | 0.09x |
| Rev Growth 3yr | 12.2% | 12.2% |
| EPS Growth 3yr | -15.5%▼ | 12.6% |
| Cost To Income | 27.3%▼ | 36.9% |
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| ₹9,513 Cr -5.3% | ₹10,041 Cr +13.5% | ₹8,848 Cr +32.4% | ₹6,684 Cr +10.3% | ₹6,061 Cr -4.3% | ₹6,331 Cr +15.8% | ₹5,465 Cr +32.8% | ₹4,116 Cr | |
| ₹22 Cr -35.8% | ₹34 Cr -52.6% | ₹72 Cr +9.4% | ₹66 Cr +0.9% | ₹65 Cr +48.1% | ₹44 Cr -48.7% | ₹86 Cr +37.4% | ₹63 Cr | |
| Total Income | ₹9,535 Cr -5.4% | ₹10,075 Cr +12.9% | ₹8,920 Cr +32.2% | ₹6,750 Cr +10.2% | ₹6,126 Cr -3.9% | ₹6,375 Cr +14.8% | ₹5,551 Cr +32.8% | ₹4,179 Cr |
| ₹8,265 Cr -1.7% | ₹8,409 Cr +41.1% | ₹5,961 Cr +26.6% | ₹4,709 Cr +8.4% | ₹4,343 Cr +7.0% | ₹4,059 Cr +14.5% | ₹3,544 Cr +28.8% | ₹2,752 Cr | |
| Profit Before Tax | ₹1,270 Cr -23.7% | ₹1,666 Cr -43.7% | ₹2,960 Cr +45.0% | ₹2,041 Cr +14.4% | ₹1,784 Cr -23.0% | ₹2,316 Cr +15.4% | ₹2,007 Cr +40.6% | ₹1,427 Cr |
| ₹277 Cr -40.0% | ₹462 Cr -39.4% | ₹762 Cr +40.9% | ₹541 Cr +18.9% | ₹455 Cr -23.1% | ₹591 Cr +12.2% | ₹527 Cr +5.9% | ₹498 Cr | |
| Net Profit | ₹993 Cr -17.5% | ₹1,204 Cr -45.2% | ₹2,197 Cr +46.5% | ₹1,500 Cr +12.9% | ₹1,329 Cr -23.0% | ₹1,725 Cr +16.5% | ₹1,480 Cr +59.3% | ₹929 Cr |
| Profit (Owners) | ₹1,003 Cr -17.5% | ₹1,216 Cr -44.4% | ₹2,189 Cr +45.9% | ₹1,500 Cr +12.9% | ₹1,328 Cr -23.0% | ₹1,724 Cr +17.5% | ₹1,468 Cr +57.9% | ₹929 Cr |
| Minority Interest | (₹10 Cr) +17.3% | (₹12 Cr) ↓ Decline | ₹9 Cr | ₹0.00 Cr +100.0% | (₹0.27 Cr) ↓ Decline | ₹0.70 Cr -94.4% | ₹13 Cr | ₹0.00 Cr |
| Other Comprehensive Income | ₹116 Cr | ₹4 Cr ↑ Recovery | (₹13 Cr) ↓ Decline | ₹27 Cr ↑ Recovery | (₹8 Cr) +50.1% | (₹16 Cr) -172.0% | (₹6 Cr) -137.3% | (₹3 Cr) |
| EPS | ₹11.38 | ₹14.37 | ₹25.86 | ₹17.72 | ₹15.70 | ₹20.37 | ₹17.37 | ₹11.03 |
| Diluted Shares | ₹94 Cr | ₹85 Cr | ₹85 Cr | ₹85 Cr | ₹85 Cr | ₹85 Cr | ₹84 Cr | ₹84 Cr |
| Fees And Commission | ₹79 Cr -2.8% | ₹81 Cr +60.5% | ₹51 Cr +98.8% | ₹25 Cr -2.3% | ₹26 Cr +28.9% | ₹20 Cr -14.7% | ₹24 Cr +20.8% | ₹20 Cr |
| Fees And Commission Income | ₹43 Cr -40.1% | ₹72 Cr -43.5% | ₹127 Cr +533.4% | ₹20 Cr -14.0% | ₹23 Cr +30.6% | ₹18 Cr -82.7% | ₹104 Cr +23.6% | ₹84 Cr |
| Net Gain On Amortised Derecognition | ₹49 Cr -60.4% | ₹123 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Impairment On Financial Instruments | ₹1,498 Cr -23.7% | ₹1,963 Cr +239.4% | ₹578 Cr +88.3% | ₹307 Cr -36.8% | ₹486 Cr +10.5% | ₹440 Cr +85.2% | ₹238 Cr +415.5% | ₹46 Cr |
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Manappuram Finance Limited has informed the Exchange about Copy of Newspaper Publication
Manappuram Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on August 12, 2026
Manappuram Finance Limited has informed the Exchange about change in Management
Manappuram Finance Limited has submitted the Exchange a copy Srutinizers report of Extraordinary General Meeting held on July 14, 2026. Further, the company has informed the Exchange regarding voting...
Manappuram Finance Limited has informed the Exchange regarding Proceedings of Extraordinary General Meeting held on July 14, 2026
Manappuram Finance Limited has informed the Exchange regarding Notice of Extraordinary General Meeting to be held on July 14, 2026
Manappuram Finance Limited has informed the Exchange about change in Management
Manappuram Finance Limited has informed the Exchange about Copy of Newspaper Publication
Manappuram Finance Limited has informed the Exchange regarding Change in Director(s) of the company.
Manappuram Finance Limited has informed the Exchange about Transcript
Manappuram Finance Limited has informed the Exchange about General Updates
Manappuram Finance Limited has informed the Exchange about Copy of Newspaper Publication
Manappuram Finance Limited has informed the Exchange about change in Management
Manappuram Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on May 05, 2026.
Manappuram Finance Limited has informed the Exchange regarding Change in Director(s) of the company.