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Manappuram Finance
Manappuram Finance (531213) investor relations material
Manappuram Finance Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary29 Jan, 2026
Executive summary
Consolidated AUM reached INR 52,125 crore in Q3 FY26, up 13.8% year-over-year, led by robust gold loan growth and stable asset quality.
Gold loan AUM grew 23% year-over-year to INR 38,754 crore, supported by higher gold prices and strong demand, with stable LTV ratios around 56%-60%.
Consolidated PAT for Q3 FY26 was INR 239 crore, up 9.8% year-over-year, but down 14.3% sequentially.
Interim dividend of INR 0.50 per share declared for the quarter.
Maintained strong capital adequacy (CRAR 24.62%) and liquidity, with cash & equivalents at INR 4,671 crore.
Financial highlights
Standalone AUM at INR 44,209 crore, up 60.9% year-over-year, driven by gold loans.
Standalone PAT at INR 381 crore for Q3 FY26, up 1.3% year-over-year, but down 13.9% sequentially.
Asirvad Microfinance AUM at INR 6,091 crore, down 1.2% year-over-year; Q3 loss at INR 156 crore, improved sequentially.
Consolidated total income for Q3 FY26: INR 2,358.89 crore, down from INR 2,562.63 crore YoY.
OPEX/AUM improved to 6.2% standalone and 5.1% consolidated.
Outlook and guidance
Gold loan business expected to remain the core growth engine, with industry AUM projected to rise due to elevated gold prices and regulatory support.
Standalone ROA targeted at 4.25%-4.5% by the second half of next year, driven by volume growth and OPEX optimization.
Non-gold businesses to focus on consolidation and risk management before resuming growth in FY27.
Continued calibrated growth in MSME, housing, and vehicle finance segments.
Company will monitor regulatory changes, especially new labour codes and their impact on employee benefits.
Micro Finance segment's Q3 PBT loss trend
Future impact of New Labour Codes on costs
Asirvad Micro Finance capital infusion rationale
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Next Manappuram Finance earnings date
Q4 25/268 May, 2026
Manappuram Finance
Next Manappuram Finance earnings date
Q4 25/268 May, 2026
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