Manba Finance Limited · NSE:MANBA
Manba Finance — Investor Presentation (March 2025)
25 slides from Manba Finance's investor presentation, Mar 20, 2025
Slide 1: Investor Presentation March 2025
INVESTOR PRESENTATION March 2025
Slide 2: Manba Finance is a NBFC providing tailored financial solutions
Manba Finance is a NBFC providing tailored AUM financial solutions for two wheelers, three wheelers, used Cars, small business loans and personal Loans INR 13,038 Mn Present across 71 Present in 6 states & 28+ locations with a spread across 71 Years of Experience network of 1,100+ locations dealers
Slide 3: Key performance metrics
Disbursement Per Disbursement Per Disbursements AUM Per Employee Employee Location Per Month INR 6,715 Mn^ INR 7 Mn* INR 4.56 Mn^ INR 10.51 Mn^ Average Yield on Net interest income Net Interest Margin Cost of Borrowings Average AUM INR 926 Mn^ 12.94%^ 11.52%^ 23.76%^ Return on Asset (%) Gross NPA Ne
Slide 4: 9M-FY25 growth highlights
Total AUM Disbursement Net Interest Income Dealer Growth (48% Growth) (28% Growth) (54.3% Growth) (30% Growth) INR 13,038 Mn (9M-FY25) INR 6,715 Mn (9M-FY25) INR 926 Mn (9M-FY25) 1,118 (9M-FY25) INR 8,805 Mn (9M-FY24) INR 5,235 Mn (9M-FY24) INR 600 Mn (9M-FY24) 862 (9M-FY24) PAT GNPA NNPA Locations
Slide 5: Company Overview
Company Overview 5
Slide 6: Established in 1996, Manba Finance Limited
• 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: Company journey and milestones
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 crossed 80,000 Nov
Slide 8: Board of directors and management
Manish Kirit Kumar Nikita Manish Shah Monil Manish Shah Jay Khushal Mota Anshu Shrivastava Abhinav Sharma Neelam Tater Nallepilly Sujay Jagani Shah Whole Time Director Whole Time Director Whole Time Director Chairman and Independent Independent Ramaswami Independent Managing Director and Head and Ch
Slide 9: Geographic presence by state and location
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 10: Business Overview
Business Overview
Slide 11: Loan products: two-wheeler, three-wheeler, used car, small business, personal
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 Aspiring to own a fo
Slide 12: Dealer network and engagement
Name of State FY 22 FY 23 FY 24 9M - FY25 • Ensuring swift KYC handling and showcasing the company's tech-driven customer focus Gujarat 122 169 228 248 • Dealers typically serve a the primary source for understanding customers' funding needs and Maharashtra 390 432 473 502 they also guide customers
Slide 13: Borrowings distribution
Bank SFB Borrowings Distribution (INR Mn) 1,748 1,646 1,158 1,756 150 1,913 - 41 267 1,626 2,601 3,952 5,712 4,167 NBFC FY22 FY23 FY24 9M-FY25 Secured Term Loans Unsecured Term Loans Non-Convertible Debentures Others • Borrowed from 3 public sector banks, 9 private sector banks and 25 NBFCs • Co-len
Slide 14: Borrowings, asset quality and operating model
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 functions on facilities the cl
Slide 15: End-to-end technology solution
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 maker and checker to loan maturity, Origination System throug
Slide 16: Collections and recovery process
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 defaulting customers Recovery action immed
Slide 17: Sales and marketing approach
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 events to support marketing efforts & to
Slide 18: Growth strategy
Increasing Penetration In Existing Investing In TECHNOL - OGY 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 • Initiatives to increas
Slide 19: Financial Overview
Financial Overview
Slide 20: Profit and loss statement
Particulars (INR Mn) FY22 FY23 FY24 9M-FY25 Interest Income 940 1,250 1,684 1,714 Less: Finance Cost 466 566 819 788 Net Interest Income 474 684 865 926 Fee & Other Income 126 84 233 111 Total Income 600 768 1,098 1,037 Operating Expenses 473 540 711 648 Profit Before Tax 127 228 387 389 Less: Tax 3
Slide 21: Balance sheet
Particulars FY22 FY23 FY24 H1-FY25 Financial Assets Cash and Cash Equivalents 320 624 373 2,063 Bank Balance other than cash and cash equivalents 181 462 876 755 Loans 4,827 6,233 7,831 9,054 Investments 1 184 267 318 Other Financial Assets 107 93 122 188 Total Financial Assets 5,436 7,596 9,469 12,
Slide 22: Income, NII, PAT, AUM, disbursements, ROE and ROA
Total Income (INR Mn)* Net Interest Income (INR Mn) PAT (INR Mn) 926 865 314 298 1,098 1,037 684 768 474 600 166 97 FY 22 FY 23 FY 24 9M-FY25 FY 22 FY 23 FY 24 9M-FY25 FY 22 FY 23 FY 24 9M-FY25 AUM (INR Mn) Disbursements (INR Mn) ROE (%) & ROA (%) 13,038 17.0% 6,779 6,715 9,369 4,267 10.4% 6,337 4,9
Slide 23: Capital adequacy, cost of borrowings, asset quality
Capital Adequacy Ratio (%) Provision Coverage Ratio (%) Cost of Borrowings (%) 22.00% 31.50% 31.37% 20.00% 11.61% 27.00% 11.52% 24.56% 16.00% 13.00% 11.33% 11.19% FY22 FY23 FY24 9M-FY25 FY22 FY23 FY24 9M-FY25 FY22 FY23 FY24 9M-FY25 Gross NPA (%) Net NPA (%) 4.94% 4.30% 3.74% 3.14% 3.37% 2.83% 2.70%
Slide 24: 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 current afte
Slide 25: Thank You
Thank You Manba Finance Ltd