Manba Finance Limited · NSE:MANBA
Manba Finance — Investor Presentation (September 2025)
25 slides from Manba Finance's investor presentation, September 2025
Slide 1: Investor Presentation September 2025
INVESTOR PRESENTATION September 2025
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 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: Company 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 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 Director Director and an
Slide 9: Geographic presence by state
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 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
• 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 13: 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 14: Key strengths: borrowings, asset quality, technology
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: In-house loan software suite
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 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 19: Financial Overview
Financial Overview
Slide 20: Income statement summary
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 21: Balance sheet summary
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 22: Income, NII, PAT, AUM, disbursements, ROE and ROA
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 15.6% 13,314 8,424 6,327 10.4% 9,369 10.2% 6,3
Slide 23: Capital adequacy, cost of borrowings, coverage and NPA
Capital Adequacy Ratio (%) Provision Coverage Ratio (%) Cost of Borrowings (%) 29.81% 27.00% 28.21% 24.00% 24.03% 11.33% 11.19% 11.05% 24.56% 20.00% 10.80% 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% 2.70% 2.64% 3.47% 2.45% 3.37%
Slide 24: Disclaimer and investor relations 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 25: Thank You
Thank You Manba Finance Ltd
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