Manba Finance Ltd

Q1 FY27Finance

Manba Finance Q1 FY27 earnings call: Revenue & Margins

Q1 FY27 earnings call: what management guided on revenue, margins and order book.

Price₹139

Market cap₹672 Cr

P/E13.8

Updated23 Sept 2026

Read4 min read

What the Q1 FY27 call signalled

4 of 5 strong

RevenueGood growth

MarginMargins steady

CapexCapex planned

FundraiseFundraise planned

Order bookOrder book rising

The short version

Manba Finance Limited targets AUM growth of 35% to 40% for the current financial year (FY27). Manba Finance expects AUM growth of 35% to 40% in the current financial year.

From Manba Finance Ltd's Q1 FY27 earnings-call transcript · updated 23 Sept 2026.

Revenue & Sales Performance

Good growth

Manba Finance Limited targets AUM growth of 35% to 40% for the current financial year (FY27).
Disbursements grew by 37% year-on-year in Q1 FY27, reflecting strong demand.
The company expects similar profitability trends with PAT growing around 30% plus in upcoming quarters.
Growth segments include new and used two-wheeler loans, three-wheeler loans, used car loans, personal loans, top-up loans, and MSME LAP.
Expansion focus in Uttar Pradesh, Madhya Pradesh, Maharashtra, Rajasthan, and South India (starting with Karnataka and Tamil Nadu).
Diversification efforts aim to reduce reliance on two-wheelers from 84% to around 65% in three years.

2 more points management made on revenue & sales performance

Profitability & Margins

Manba Finance expects AUM growth of 35% to 40% in the current financial year.
Profit after tax (PAT) increased by over 30% in the recent quarter, with similar growth anticipated in upcoming quarters.
The company targets around 3.5% ROA for FY27, driven by a higher contribution from personal loans, top-up loans, and used two-wheeler loans which yield higher interest rates.
Net interest margins are expected to remain stable in the range of 13% to 14%, supported by reducing borrowing costs and increasing lending yields.

2 more points management made on profitability & margins

See what Manba Finance Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Capex planned

Manba Finance is planning significant capital expenditure on technology, especially for personal loan software upgrades due to product expansion.
Approximately 90% of their current technology (LOS, LMS, LAS) is proprietary; MSME LAP software is outsourced.
The company is in the process of raising INR 100 crores of capital by September or October 2026 to support growth and expansion.
Entered South Indian market via strategic partnership with Sreesastha (Namma Loan), expanding geographical reach.
Launched battery replacement finance product for electric three-wheelers addressing recurring costs.

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

5x potential

1Mufin Green Finance Ltd₹2.6K Cr

Rev 1Mar 1

2Akiko₹454 Cr

Rev 1Mar 1

3₹972 Cr

Rev 1Mar 2

4₹358 Cr

Rev 1Mar 2

5₹1.5L Cr

Rev 1Mar 3

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

The company anticipates the need for further capital to support its growth pipeline.
It is in the process of raising capital and plans to raise INR 100 crores by September or latest by October 2026.
The planned fundraising will be through preference shares (equity).
On the debt front, borrowing is being reduced steadily, with a healthy liquidity position maintained.

2 more points management made on fundraising & capital structure

See what Manba Finance Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

Order book rising

The transcript does not explicitly mention the current or expected order book or pending orders for Manba Finance Limited. However, relevant insights related to business growth and order expectations include: - Company targeting AUM growth of 35% to 40% for FY27. - Disbursement grew 37% year-on-year to INR 226 crores in Q1 FY27. - New partnerships launched, e.g., with Namma Loans (Sreesastha) targeting an AUM of INR 60-75 crores in FY27. - Expansion plans focused on UP, MP, Rajasthan, and South India (Karnataka and Tamil Nadu). - Diversification in product portfolio (personal loans, top-up loans, MSME LAP, battery replacement finance) expected to drive incremental lending.

2 more points management made on order book & pipeline

What Manba Finance Ltd's management said in earlier quarters

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Frequently Asked Questions

What were Manba Finance Ltd Q1 FY27 results?

Manba Finance Limited targets AUM growth of 35% to 40% for the current financial year (FY27). Manba Finance expects AUM growth of 35% to 40% in the current financial year.

What is Manba Finance Ltd share price analysis?

Manba Finance Ltd currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 13.8 with a market cap of ₹672 Cr. Investors should review the full earnings analysis for detailed insights.

Is Manba Finance Ltd planning capital expenditure?

Manba Finance is planning significant capital expenditure on technology, especially for personal loan software upgrades due to product expansion.

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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.