Arman Financial Services Limited
7,697words
6turns
0analyst exchanges
0executives
Key numbers — 40 extracted
INR 2,245 Crore
15%
INR 1,713 Crore
25%
INR 874 Crore
37.34%
48.37%
INR 69 Crore
INR 228 crore
INR 52 Crore
INR 174 crore
INR 264 Crore
Guidance — 7 items
Average Ticket Size
opening
“INR 82,500 Tenure: 36-84 Months Tenure: 24 Months Company’s wholly owned subsidiary ‘Namra Finance Limited’ offers microfinance to women % of AUM as of March 2025 Average Ticket Size Based is for full year FY25 Figures may not add up due to rounding off 16 Microfinance Loans (INR Crore) AUM* Disbursement Total Income Profit After Tax Avg.”
Average Ticket Size
opening
“• Rural concentration: ~90.5% rural & semi-urban portfolio (vs 75% for MFI industry) • Conservative risk framework • • • 100% Cashless disbursement JLG groups formed by customers themselves Loan utilization checks to ensure loan for income generating purpose Key Ratios (FY25) *Yield: 22.8% *NIM: 12.5% ROAA: 0.4% • Controlled growth targets driven by bottom-up projections.”
Average Ticket Size
opening
“Increased focus on digital mode with ~20% cashless collections Key Ratios (FY25) *Yield: 36.5% GNPA: 3.62% NNPA: 0.92% 18 LAP Loans (INR Crore) AUM Disbursement Total Income 28 9 1.20 6 4 0.27 Avg.”
Average Ticket Size
opening
“• In FY25, the average ticket size of this product is INR 4,35,000, with a tenure ranging from 36 to 84 months • Disbursement: 100% Cashless • Credit Checks: CIBIL & CRIF Score; Home & Business Field Investigation, detailed cash flow assessment, property’s technical valuation and title investigation Collections: 100% - E-Nach and other digital modes • • Currently operates across Gujarat and newly started in Telangana & Madhya Pradesh.”
Average Ticket Size
opening
“Key Ratios (FY25) • Operating in Tier 3-4 & below locations; key growth driver going forward, with Maximum LTVs of 65% • Growth levers: • Increase in finance penetration • Geographical & new product expansion *Yield is excluding DA Income *Yield: 22.20% GNPA: 0.17% NNPA: 0.08% 19 2W and Rural 2W Loans (INR Crore) AUM 77 78 Disbursement 69 62 Total Income 18 21 Avg.”
Average Ticket Size
opening
“• • Credit Checks: CIBIL & CRIF Score; Home & Business Field Investigation Collections: E-Nach and other digital modes for 2W, doorstep cash collection rural 2W • Growth levers: • Increase in finance penetration • Geographical & new product expansion • Arman 2W & Rural 2W operating model: Key Ratios (FY25) *Yield: 26.9% • • • Focus on quick turn around time Excellent relationships with local dealers.”
Average Ticket Size
opening
“• As on 31st March 2025, GNPA for the MSME business stood at 3.62% , 2W business stood at 3.18% while that of LAP business stood at 0.17% • Standalone: Cumulative Provisions stood at INR 27.21 Crore as on 31st March 2025 (covering 4.86% of the AUM, 4.88% on-book) • Q4 FY25, Pre-Provisioning Operating Profit has grown by 53% Y-o-Y to ~INR.”
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Risks & concerns — 1 flagged
• Rural concentration: ~90.5% rural & semi-urban portfolio (vs 75% for MFI industry) • Conservative risk framework • • • 100% Cashless disbursement JLG groups formed by customers themselves Loan utilization checks to ensure loan for income generating purpose Key Ratios (FY25) *Yield: 22.8% *NIM: 12.5% ROAA: 0.4% • Controlled growth targets driven by bottom-up projections.
— Average Ticket Size
Speaking time
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Opening remarks
Average Ticket Size
INR 75,000 Tenur e: 18 -24 Mon th s Tenure: 24 Months Tenure: 12-36 Months 1.2% Loan Against Property (LAP)
Average Ticket Size
INR 82,500 Tenure: 36-84 Months Tenure: 24 Months Company’s wholly owned subsidiary ‘Namra Finance Limited’ offers microfinance to women % of AUM as of March 2025 Average Ticket Size Based is for full year FY25 Figures may not add up due to rounding off 16 Microfinance Loans (INR Crore) AUM* Disbursement Total Income Profit After Tax Avg. Ticket Size 2,193 1,895 530 552 138 1,686 1,232 46,700 ( I N R ) 48,000 8 F Y 2 4 F Y 2 5 F Y 2 4 F Y 2 5 F Y 2 4 F Y 2 5 F Y 2 4 F Y 2 5 F Y 2 4 F Y 2 5 *Includes Individual Business Loans • JLG model with small ticket loans (Avg. Ticket Size – INR 48,000) given to women borrowers for income generating activities such as Livestock, Dairy, Agri allied, Kirana Stores • Operations: Operations in 11 states; 391 MFI branches; 6+ lakh active customers • Operating Model: • High touch monthly collection model • Disbursement: 100% Cashless • Credit Check: CRIF / Equifax Score; JLG Model with Training, Home Visit, Lifestyle Appraisal • Collections: Cash collec
Investor Relations Advisors
Arman Financial Services Limited CIN: L55910GJ1992PLC018623 Mr. Vivek Modi Chief Financial Officer (CFO) Email : vivek@armanindia.com www.armanindia.com Strategic Growth Advisors Pvt. Ltd. CIN: U74140MH2010PTC204285 Mr. Abhishek Shah abhishek.shah@sgapl.net +91 9930651660 www.sgapl.net
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