Manba Finance Limited has released the transcript of its Earnings Conference Call held on January 30, 2026, to discuss financial results for the quarter and nine months ended December 31, 2025. The call featured insights from Managing Director Mr. Manish Shah and CFO Mr. Jay Mota. During the call, the management highlighted a robust year-on-year growth of 25% in Assets Under Management (AUM), reaching ₹1,631 crore as of December 31, 2025. The total balance sheet size was ₹1,771 crore. Disbursements for the period reached a record high of ₹746 crore, up from ₹672 crore in the same period last year, driven by strong demand in the two-wheeler segment and network expansion. Net interest income for the quarter stood at ₹42 crore (a 17% year-on-year growth), with profit after tax at ₹13 crore. For the nine months, net interest income was ₹110 crore (19% growth), and profit after tax was ₹34 crore (15% growth). The company maintained a net interest margin of 12.65% with a gross yield of 22.80%. Asset quality remained under control with gross NPA at 3.38% and net NPA at 2.57%. The capital adequacy ratio was healthy at 25.06%. The company also announced plans to launch a new MSME LAP product on February 10, 2026, focusing initially on Mumbai and Pune, and intends to deepen its presence in existing states like UP and MP rather than expanding to new states. Guidance for FY26 includes ending the year with AUM between ₹1,700 crore to ₹1,750 crore. For FY27, the company targets a year-on-year growth of 25%-30%, with an estimated profit of ₹65-70 crore. The company also plans to raise capital in the second or third quarter of the next financial year, depending on market conditions.
