Manba Finance Limited · NSE:MANBA
Manba Finance — Q1 FY26 Earnings Presentation
20 slides from Manba Finance's earnings presentation, 2025
Slide 1: Earnings Presentation Q1-FY26
EARNINGS PRESENTATION Q1-FY26
Slide 2: Manba Finance is a NBFC providing tailored financial solutions
Manba Finance is a NBFC providing tailored AUM 14,154 Mn financial solutions for two wheelers, three wheelers, used Cars, small business loans and personal Loans INR Present across 76 Present in 6 States & 28+ locations with a spread across 76 Years of Experience network of 1,250+ locations dealers
Slide 3: Key operating and financial metrics
Disbursement Per Disbursement Per Disbursements AUM Per Employee Employee Location Per Month INR 1,653 Mn^ INR 9.30 Mn^ INR 4.34 Mn^ INR 7.55 Mn^ Average Yield on Net Interest Income Net Interest Margin Cost of Borrowings Average AUM INR 306 Mn^ 12.43% ^ 11.05%^ 23.74%^ Return on Asset (%) Gross NPA
Slide 4: Q1-FY26 year-on-year growth highlights
Total AUM Disbursement Net Interest Income Dealer Growth (43% Growth) (27% Growth) (38% Growth) (77% Growth) INR 14,154 Mn (Q1-FY26) INR 1,653 Mn (Q1 -FY26) INR 306 Mn (Q1-FY26) 1,258 (Q1-FY26) INR 9,906 Mn (Q1-FY25) INR 1,301 Mn (Q1-FY25) INR 221 Mn (Q1-FY25) 711 (Q1-FY25) PAT Locations GNPA NNPA (
Slide 5: Company Overview
Company Overview 5
Slide 6: Total Income and AUM
• 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 Wheelers, Electric 3 Wh
Slide 7: New Vehicle, Used Car, Small Business and Personal Loans
NEW VEHICLE LOANS USED CAR LOANS SMALL BUSINESS LOANS PERSONAL LOANS 7
Slide 8: State-wise presence and locations
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 • Rajasmand • Sikar CHATTISGA
Slide 9: Dealer network by state
• Ensuring swift KYC handling and showcasing FY 23 FY 24 FY25 Q1-FY26 Name of State the company's tech-driven customer focus Gujarat 169 228 294 294 • Dealers typically serve a the primary source for understanding customers' funding needs and they also guide customers on available Maharashtra 432 47
Slide 10: Borrowings Distribution
Bank SFB Borrowings Distribution (INR Mn) 1,895 1,529 1,756 1,748 267 2,388 3,474 1,626 3,952 6,468 4,167 5,997 NBFC FY23 FY24 FY25 Q1-FY26 Secured Term Loans Non-Convertible Debentures Others • Borrowed from 3 public sector banks, 9 private sector banks and 25 NBFCs • Co-lending arrangement with Mu
Slide 11: Growth strategy
Increasing Penetration In Investing In TECHNOLOGY Growing 2WS/ 3WS/ EV2WS/ Enhancing Brand Recall To Existing Markets & Diversifying And DIGITIZATION EV3WS Market Attract New Customers Into New Markets • Intend to further penetrate • Plan to launch web- • Focusing on EV2Ws and • Initiatives to incre
Slide 12: Q1-FY26 Financial Overview
Q1-FY26 Financial Overview
Slide 13: Operational Highlights and Q1-FY26 Financial Performance
Operational Highlights • Strong YOY growth in AUM, disbursements and NII driven by good expansion in dealer network. Q1-FY26 Financial Performance • Many New tie ups done in used two-wheeler and used four- wheeler products. • Introduction of collection app has increased collection efficiency. TOTAL
Slide 14: Q1-FY26 Income Statement
Particulars (INR Mn) Q1-FY26 Q1-FY25 YOY Q4-FY25 QOQ Interest Income 630 456 38.2% 655 (3.8)% Less: Finance Cost 324 235 37.9% 290 11.7% Net Interest Income 306 221 38.5% 365 (16.2)% Fee & Other Income 60 34 76.5% 24 NA Total Income 366 255 43.5% 389 (5.9)% Operating Expenses 244 190 28.4% 277 (11.9
Slide 15: Income, NII, PAT, AUM, Disbursements, ROE and ROA trends
Total Income (INR Mn)* Net Interest Income (INR Mn) PAT (INR Mn) 1,426 1,291 378 312 1,098 865 768 684 166 366 306 98 FY 23 FY 24 FY25 Q1-FY26 FY 23 FY 24 FY25 Q1-FY26 FY 23 FY 24 FY25 Q1-FY26 AUM (INR Mn) Disbursements (INR Mn) ROE (%) & ROA (%) 14,154 13,314 8,424 15.6% 6,327 9,369 10.4% 10.2% 6,3
Slide 16: Capital Adequacy, Cost of Borrowings, Provision Coverage, NPA
Capital Adequacy Ratio (%) Provision Coverage Ratio (%) Cost of Borrowings (%) 24.00% 24.03% 11.33% 29.81% 28.21% 11.19% 11.05% 27.00% 20.00% 10.80% 24.56% 16.00% FY23 FY24 FY25 Q1-FY26 FY23 FY24 FY25 Q1-FY26 FY23 FY24 FY25 Q1-FY26 Gross NPA (%) Net NPA (%) 3.74% 3.14% 3.47% 2.70% 2.64% 3.37% 2.45%
Slide 17: Annual Income Statement
Particulars (INR Mn) FY23 FY24 FY25 Q1-FY26 Interest Income 1,250 1,684 2,369 630 Less: Finance Cost 566 819 1,078 324 Net Interest Income 684 865 1,291 306 Fee & Other Income 84 233 135 60 Total Income 768 1,098 1,426 366 Operating Expenses 540 711 925 244 Profit Before Tax 228 387 501 122 Less: Ta
Slide 18: Balance Sheet
Particulars (INR Mn) FY23 FY24 FY25 Financial Assets Cash and Cash Equivalents 624 373 1,285 Bank Balance other than cash and cash equivalents 462 876 1,114 Loans 6,233 7,831 11,461 Investments 184 267 379 Other Financial Assets 93 122 157 Total Financial Assets 7,596 9,469 14,396 Non Financial Asse
Slide 19: Disclaimer and investor contact
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 current afte
Slide 20: Thank You
Thank You Ny MANBA Manba Finance Ltd