Manappuram Finance Ltd
Manappuram Finance Q3 FY25 earnings call: Revenue & Margins
Q3 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
Gold loan business is expected to grow at a rate of 15%-20% going forward, showing increased customer inflow and ticket sizes. Manappuram Finance expects gold loan growth at 15%-20% going forward, up from earlier guidance of 10%-12%, driven by increasing customer base and ticket size.
From Manappuram Finance Ltd's Q3 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Gold loan business is expected to grow at a rate of 15%-20% going forward, showing increased customer inflow and ticket sizes.
- Asirvad Microfinance AUM growth anticipated at 10%-12% annually over the next 1-2 years, with tightened underwriting and improved collections.
- Vehicle Finance and Home Loan businesses showing healthy growth trends with expectations of recovery in asset quality.
- Overall consolidated AUM grown by 9.5% year-on-year despite current challenges, indicating positive long-term growth outlook.
- Incremental growth in non-gold secured lending targeted to gradually increase, aiming to contain MFI book within 10%-15% of total AUM.
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Profitability & Margins
See what Manappuram Finance Ltd said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- No explicit mention of current or future capex or capital investment plans for Manappuram Finance Limited is detailed on page 16 or adjacent pages.
- The management discussed strategic operational focus: growing gold loans at 15%-20%, prioritizing secured lending in non-gold segments like mortgage-based MSME and vehicle finance.
- There are ongoing process and operational enhancements, especially in response to RBI's gold loan regulations (e.g., LTV monitoring, rolling over loans), indicating regulatory compliance investments rather than large-scale capex.
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Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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What Manappuram Finance Ltd's management said in earlier quarters
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Frequently Asked Questions
What were Manappuram Finance Ltd Q3 FY25 results?
Gold loan business is expected to grow at a rate of 15%-20% going forward, showing increased customer inflow and ticket sizes. Manappuram Finance expects gold loan growth at 15%-20% going forward, up from earlier guidance of 10%-12%, driven by increasing customer base and ticket size.
What is Manappuram Finance Ltd share price analysis?
Manappuram Finance Ltd currently shows a neutral. The stock trades at a P/E of 34.4 with a market cap of ₹34,154 Cr. Investors should review the full earnings analysis for detailed insights.
Is Manappuram Finance Ltd planning capital expenditure?
No explicit mention of current or future capex or capital investment plans for Manappuram Finance Limited is detailed on page 16 or adjacent pages.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.