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Manappuram Finance (531213) investor relations material
Manappuram Finance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary30 Oct, 2025
Executive summary
Q2 FY26 saw consolidated AUM rise 3.4% QoQ to ₹45,789 crore, with gold loan AUM up 9.4% QoQ and 29.3% YoY to ₹31,505 crore; gold loans remain the core driver, supported by technology and risk management.
PAT increased 64% QoQ to ₹217 crore, but declined 62% YoY; consolidated net profit for FY26 was ₹385 crore, aided by reduced microfinance losses.
The company is accelerating gold loan growth, improving branch infrastructure, and leveraging co-lending and digital initiatives.
Strategic priorities include operational effectiveness, talent infusion, and building on subsidiary growth.
Board approved unaudited results and declared interim dividends of ₹0.50 per share.
Financial highlights
Consolidated net profit for Q2 FY26 was ₹217.31 crore, compared to ₹572.08 crore in Q2 FY25; consolidated AUM reached ₹45,789 crore as of September 30, 2025, up 3.4% QoQ.
Gold loan AUM grew 29.3% YoY to ₹31,505 crore; non-gold AUM declined 7.9% QoQ and 33.1% YoY.
Net interest income was flat QoQ at ₹1,408 crore, but down 18.5% YoY; OPEX decreased 1.4% QoQ.
Standalone PAT was ₹375.87 crore; standalone borrowing cost declined by 12 bps during the quarter.
Interim dividend of ₹0.50 per share declared; cash & cash equivalents at ₹2,509 crore.
Outlook and guidance
Management expects gold loan growth to continue, targeting a CAGR of 20–23% even if gold prices decline.
Non-gold businesses are expected to stabilize and return to growth in the next few quarters, with a focus on asset quality and prudent underwriting.
Cost of funds is expected to decline by 12 bps per quarter for at least the next two quarters.
Interim dividend of ₹0.50 per share declared for FY26, with record date set as November 7, 2025.
Growth strategy includes calibrated expansion in MSME, housing, and vehicle finance, with cross-sell opportunities.
Micro Finance segment's H1 2025 loss
Explain H1 2025 operating cash outflow
Details on loan transfers to ARCs
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Next Manappuram Finance earnings date
Q3 25/2612 Feb, 2026
Next Manappuram Finance earnings date
Q3 25/2612 Feb, 2026
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