Manba Finance H1-FY27: AUM up 20.7% to INR 18,108 Mn, PAT up 27.7%, rating upgraded to A-
H1-FY27 AUM up 20.7% to INR 18,108 Mn, NII up 37.5% to INR 938 Mn, PAT up 27.7% to INR 270 Mn; GNPA eased to 2.96%.
By ScoutQuest · · 1 min read
- AUM Growth
- H1-FY27 AUM up 20.7% to INR 18,108 Mn
- NII Growth
- NII up 37.5% to INR 938 Mn
- PAT Growth
- PAT up 27.7% to INR 270 Mn
- Period
- Q2-FY27 / H1-FY27
- Positioning
- Manba Finance describes itself as a technology-led mobility finance platform serving 1 Mn+ largely new-to-credit customers through 148 locations across 7 states.
📈 In H1-FY27 total AUM rose 20.7% to INR 18,108 Mn, disbursements 23.7% to INR 4,928 Mn, NII 37.5% to INR 938 Mn and PAT 27.7% to INR 270 Mn; total revenue was INR 1,904 Mn. Q2 alone delivered revenue of INR 977 Mn and PAT of INR 137 Mn.
📉 Asset quality improved: GNPA fell to 2.96% from 3.52% and NNPA to 2.19% from 2.68% year on year, with provision coverage at 26.00% and capital adequacy at 24.69%. Cost of borrowings declined to 10.14%, which the company attributes to its rating upgrade from BBB+ (Positive) to A- (Stable).
🏭 The company says it is a two-wheeler-led mobility lender for new-to-credit borrowers, with 148 locations and 1,932 dealers, and says it raised approximately INR 1,000 Mn through a preferential issue to support loan book expansion.
🎯 Management states it intends to penetrate existing locations further, enter South India with Karnataka as the entry market, focus on EV2W and EV3W financing, grow used 4W/2W loans and Micro-LAP, and upgrade its loan origination system with AI voice agents for collections.
Also from Manba Finance
Manba Finance posts audio recording of Q2 FY2027 earnings conference call held 28 October 2026
28 Oct 2026
Second interim dividend of Rs 0.25/share, Q2 FY27 results and debt issue up to INR 200 Crores approved
27 Oct 2026
Second interim dividend of Rs. 0.25 per share; record date 6 November 2026
27 Oct 2026
More numbers
- Total AUM, H1-FY27INR 18,108 Mn
- AUM growth, H1-FY2720.7%
- Disbursement, H1-FY27INR 4,928 Mn
- Net interest income, H1-FY27INR 938 Mn
- PAT, H1-FY27INR 270 Mn
- PAT growth, H1-FY2727.7%
- Total revenue, H1-FY27INR 1,904 Mn
- Total revenue, Q2-FY27INR 977 Mn
- PAT, Q2-FY27INR 137 Mn
- GNPA, H1-FY272.96%
- NNPA, H1-FY272.19%
- Cost of borrowings, H1-FY2710.14%
- Capital adequacy ratio, H1-FY2724.69%
- Preferential issue raised, Q2-FY27INR 1,000 Mn
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