Manba Finance Limited · NSE:MANBA
Manba Finance — Investor Presentation (June 2025)
25 slides from Manba Finance's investor presentation, Jun 18, 2025
Slide 1: Investor Presentation June 2025
INVESTOR PRESENTATION June 2025
Slide 2: Company Snapshot
Company Snapshot Manba Finance is a NBFC providing tailored AUM 13,314 Mn financial solutions for two wheelers, three wheelers, used Cars, small business loans and personal Loans INR Present across 73 Present in 6 States & 28+ locations with a spread across 73 Years of Experience network of 1,200+ l
Slide 3: Financial Snapshot
Financial Snapshot Disbursement Per Disbursement Per Disbursements AUM Per Employee Employee Location Per Month INR 8,424 Mn INR 8.98 Mn INR 5.68 Mn INR 9.62 Mn Average Yield on Net Interest Income Net Interest Margin Cost of Borrowings Average AUM INR 1,291 Mn 14.03% 10.80% 24.09% Return on Asset (
Slide 4: FY25 Performance
FY25 Performance Total AUM Disbursement Net Interest Income Dealer Growth (42% Growth) (33% Growth) (49% Growth) (25% Growth) INR 13,314 Mn (FY25) INR 8,424 Mn (FY25) INR 1,291 Mn (FY25) 1,216 (FY25) INR 9,396 Mn (FY24) INR 6,327 Mn (FY24) INR 865 Mn (FY24) 974 (FY24) PAT Locations GNPA NNPA (21% Gr
Slide 5: Company Overview
Company Overview 5
Slide 6: Company Overview
Company Overview • Established in the year 1996, Manba Finance Limited (Manba) was founded by Mr. Manish Shah, a first-generation entrepreneur. Total Income (INR Mn) & AUM (INR Mn) • Manba is a Non-Banking Finance Company offering financial solutions for new 2 Wheelers, 3 Wheelers, Electric 2 Wheele
Slide 7: Journey So Far
Journey So Far Employee 30,000 strength of customers our Company onboarded crossed during the Launched new 1,000 months of products such employees. AUM of our September, as Small Scaled up AUM of our AUM of our Opened Company October and Business our Company Company AUM of our branch in Launched cro
Slide 8: Board Of Directors
Board Of Directors Manish Kirit Nikita Manish Shah Monil Manish Shah Jay Khushal Mota Abhinav Sharma Neelam Tater Nallepilly Ramaswami Sujay Jagani Kumar Shah Whole Time Whole Time Director Whole Time Director Independent director Independent director Parameswaran Independent Director Managing Direc
Slide 9: Geographical Presence
Geographical Presence Uttar Pradesh • Hardoi Uttar Pradesh • Lucknow • Raebareli • Sitapur Rajasthan RAJASTHAN • Ajmer • Alwar • Bhilwara • Bikaner Madhya Pradesh • Chittorgarh Madhya Pradesh • Dhar • Chomu Gujarat • Dewas • Gangapur • Indore • Jaipur • Jabalpur • Jodhpur • Pali Chhattisgarh • Rajas
Slide 10: Business Overview
Business Overview
Slide 11: Product Portfolio
Product Portfolio TWO-WHEELER LOANS THREE-WHEELER LOANS USED CAR LOANS SMALL BUSINESS LOANS PERSONAL LOANS (MANBA VYAPAAR LOANS) (TOPUP LOANS) • TARGET CUSTOMERS • TARGET CUSTOMERS • TARGET CUSTOMERS • TARGET CUSTOMERS • TARGET CUSTOMERS Focus on customers purchasing Focus on customers purchasing As
Slide 12: Dealer Network
Dealer Network Name of State FY 22 FY 23 FY 24 FY25 • Ensuring swift KYC handling and showcasing the company's tech-driven customer focus Gujarat 122 169 228 294 • Dealers typically serve a the primary source for understanding customers' funding needs and Maharashtra 390 432 473 476 they also guide
Slide 13: Sources Of Funds
Sources Of Funds Bank SFB Borrowings Distribution (INR Mn) 1,748 1,895 1,158 1,756 150 267 2,388 - 41 1,626 2,601 3,952 6,468 4,167 NBFC FY22 FY23 FY24 FY25 Secured Term Loans Unsecured Term Loans Non-Convertible Debentures Others • Borrowed from 3 public sector banks, 9 private sector banks and 25
Slide 14: Strong Enterprise Foundation
Strong Enterprise Foundation DIVERSIFIED AND COST EFFECTIVE MAINTENANCE OF TECHNOLOGY DRIVEN & SCALABLE LONG TERM BORROWINGS COMPANY’S ASSET QUALITY OPERATING MODEL • Diversified sources such as • 400+ personnel for • RM platform for business term loans & cash credit collection operations with all f
Slide 15: Technology Driven Operating Model – Manba Finance Quadrant
Technology Driven Operating Model – Manba Finance Quadrant End-to-end solution In-house software Includes various Integrated with Collection process covering customer suite of products modules like lead payment is managed on a onboarding through catering to Loan monitoring, straight gateways like ma
Slide 16: Robust Collection And Monitoring Mechanism
Robust Collection And Monitoring Mechanism Continuous monitoring where customers are reminded of their payment schedules through text messages and to maintain adequate balance on the due date In-house legal department to initiate legal proceedings, for the purposes of recovering the amounts due from
Slide 17: Strong Branding & Marketing Initiatives
Strong Branding & Marketing Initiatives Sell and market Vehicle loan products through communication channels like digital marketing, mass media like radio, in-store branding, hoardings, organizing and sponsoring celebrity events and religious festivals Organizing dealer conferences and get together
Slide 18: Business Strategies
Business Strategies Increasing Penetration In Existing Investing In TECHNOLOGY Growing 2WS/ 3WS/ EV2WS/ Enhancing Brand Recall To Markets & Diversifying Into New And DIGITIZATION EV3WS Market Attract New Customers Markets • New loan products such • Plan to launch web- • Focusing on EV2Ws and • Initi
Slide 19: Financial Overview
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Slide 20: Historical Income Statement
Historical Income Statement Particulars (INR Mn) FY22 FY23 FY24 FY25 Interest Income 940 1,250 1,684 2,369 Less: Finance Cost 466 566 819 1,078 Net Interest Income 474 684 865 1,291 Fee & Other Income 126 84 233 135 Total Income 600 768 1,098 1,426 Operating Expenses 473 540 711 925 Profit Before Ta
Slide 21: Historical Balance Sheet
Historical Balance Sheet Particulars (INR Mn) FY22 FY23 FY24 FY25 Financial Assets Cash and Cash Equivalents 320 624 373 1,285 Bank Balance other than cash and cash equivalents 181 462 876 1,114 Loans 4,827 6,233 7,831 11,461 Investments 1 184 267 379 Other Financial Assets 107 93 122 157 Total Fina
Slide 22: Financial Performance
Financial Performance Total Income (INR Mn)* Net Interest Income (INR Mn) PAT (INR Mn) 1,426 378 1,291 312 1,098 768 865 600 684 166 474 97 FY 22 FY 23 FY 24 FY25 FY 22 FY 23 FY 24 FY25 FY 22 FY 23 FY 24 FY25 AUM (INR Mn) Disbursements (INR Mn) ROE (%) & ROA (%) 13,314 8,424 15.6% 6,327 9,369 10.4%
Slide 23: Key Performance Indicators
Key Performance Indicators Capital Adequacy Ratio (%) Provision Coverage Ratio (%) Cost of Borrowings (%) 31.50% 24.00% 11.61% 29.81% 27.00% 20.00% 24.56% 11.33% 16.00% 11.19% 13.00% 10.80% FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 Gross NPA (%) Net NPA (%) 4.94% 4.30% 3.74% 3.37%
Slide 24: Disclaimer
Disclaimer Manba Finance Ltd No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not c
Slide 25: Thank You
Thank You Manba Finance Ltd