Скачать или смотреть Arman Financial - The Best Bet To Play The MFI Cycle?

Arman Financial Services Ltd. is a Gujarat-based NBFC focused on financial inclusion, primarily serving rural and semi-urban customers. Established in 1992 and headquartered in Ahmedabad, the company operates through multiple lending verticals, including microfinance, two-wheeler finance, MSME loans, and loan against property. Its microfinance operations are carried out through its wholly owned subsidiary, Namra Finance Ltd., which is an NBFC-MFI and contributes the majority of Arman’s AUM. Over the years, Arman has built a strong presence across India, expanding into states like Gujarat, Maharashtra, Madhya Pradesh, Uttar Pradesh, Rajasthan, and several others. With more than 400+ branches, the company has built deep last-mile distribution in underpenetrated geographies.

The company’s core strength lies in its ability to underwrite small-ticket borrowers in rural and semi-urban regions, supported by strong on-ground teams and in-house risk assessment systems. Arman has consistently grown its AUM by expanding its branch network and diversifying across product segments such as two-wheeler loans and MSME financing. In recent years, the company has demonstrated strong revenue and profit growth, driven by higher disbursements and improving operating leverage. The management team—led by MD Jayendra Patel and JMD Aalok Patel—brings extensive experience in microfinance, retail lending, and risk management, which has helped maintain stable asset quality despite operating in high-risk segments.



The following are the key highlights of their Q2FY26 results:

1. AUM de-grew 14% YOY
2. Disbursement grew 22% QOQ
3. Credit cost improved to 38 cr
4. Net profit turned positive at 8 crore







Timestamps:
00:00 - Intro
00:39 - AUM Mix: How Has It Changed?
01:24 - Segment-wise Performance
02:58 - How to Understand Their Profitability?
03:24 - Credit Cost: What Is It Indicating?
05:09 - How NIM Expanded Significantly
05:22 - Why Is Cost-to-Income So High?
06:16 - GNPA Increased: How Should You See It?
07:39 - Bucket Trend Across the Portfolio
08:02 - Microfinance Book Performance
08:43 - Understand Upside Potential for Arman
10:19 - How to View These Numbers?
11:28 - Connect the Dots
11:51 - Why Listen to Their Concall?
12:44 - Signs of Recovery?
13:54 - What’s Driving the Confidence?
15:10 - Changed Internal Strategy
17:10 - Outlook On Growth
17:54 - What’s Changed in This Cycle?
19:43 - A Hint
20:18 - Pressing the Accelerator?
21:31 - Outlook On Asset Quality
22:38 - 34% Yield In MSME: Who Are These Borrowers?
24:17 - Overall Deal & Outlook








































































































































































































































































































































































































































































































































































































































































































































































































































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