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Manappuram Finance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary30 Oct, 2025
Executive summary
Consolidated net profit for Q2 FY26 rose to INR 217 crore from INR 132 crore in Q1 FY26, but declined 62% YoY; driven by reduced losses in microfinance subsidiaries and strong gold loan performance.
Consolidated AUM reached INR 45,789.42 crore as of 30 September 2025, up 3.4% quarter-on-quarter; gold loan AUM grew 29.3% year-on-year to INR 31,505 crore.
Gold loans now comprise 69% of consolidated AUM, up from 53% a year ago, with AUM per branch increasing due to improved customer retention and collateral base.
Interim dividend of 50% declared; focus remains on responsible lending, technology-driven efficiency, and co-lending partnerships.
Asirvad Microfinance reported a significant YoY decline in revenue and profitability, with a PAT loss of INR 168 crore in Q2 FY26.
Financial highlights
Stand-alone PAT for Q2 FY26 was INR 376 crore; consolidated PAT excluding Asirvad was INR 385 crore, down 4.1% due to higher vehicle finance provisions.
Net interest income was flat QoQ at INR 1,408 crore, but down 18.5% YoY; OPEX decreased 1.4% QoQ but increased 5.8% YoY.
Borrowing cost reduced by 12 basis points during the quarter; consolidated cost of borrowing improved to 9.1% in Q2 FY26.
Capital adequacy ratio strong at 28.32%; net worth at INR 12,712 crore.
Cash & cash equivalents at INR 2,509 crore, down 38% QoQ and 49.2% YoY.
Outlook and guidance
Gold loan business expected to drive growth, with profitability maintained despite lower yields; targeting 20%-25% CAGR in gold loans even if gold prices decline.
Non-gold businesses to follow a consolidate-to-growth strategy, with focus on improving credit performance and profitability.
Cost of funds expected to continue declining by 12 basis points per quarter for at least the next two quarters.
Strategic roadmap for medium to long term to be presented by Q4 FY26.
Growth strategy includes calibrated expansion in MSME, housing, and vehicle finance, with cross-sell opportunities.
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Next Manappuram Finance earnings date
Q3 25/2612 Feb, 2026
Next Manappuram Finance earnings date
Q3 25/2612 Feb, 2026
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