| Metric | Value (₹ Cr) |
|---|---|
| Revenue | 199.35 |
| Total Income | 199.35 |
| Expenditure | 186.69 |
| PBT | 12.66 |
| Net Profit | 12.76 |
| OPM | 32.55% |
| NPM | 6.40% |
| EPS | 12.17 |
Arman Financial Services Reports Q4FY25 and FY25 Results: AUM Declines by 15%, Pre-Provisioning Operating Profit Grows by 41.5% Y-o-Y
30 May 2025 · 30 May 2025, 02:58 pm
Summary
Arman Financial Services Limited, a Gujarat-Based NBFC, reported its audited financial results for the quarter and full year ended 31st March 2025. The company's consolidated AUM stood at INR 2,245 Crore, with a 24% year-on-year growth in net total income to INR 491 Crore. The Pre-Provision Operating Profit (PPoP) for FY25 registered a 14% year-on-year growth to INR 333 Crore. The company experienced a 25% year-on-year de-growth in disbursements, led by industry challenges in the microfinance sector. Collection efficiency for the month of March 2025 stood at 95.6%, with segment-wise collection efficiency for FY25 at 95.5% for the microfinance segment, 95.7% for the MSME segment, and 95.8% for the 2W segment.
Key Highlights
- 1
AUM declined by 15% Y-o-Y to INR 2,245 Crore
- 2
Net total income grew by 24% Y-o-Y to INR 491 Crore
- 3
PPoP for FY25 increased by 14% Y-o-Y to INR 333 Crore
- 4
Disbursements de-grew by 25% Y-o-Y to INR 1,713 Crore
- 5
Collection efficiency for March 2025 was 95.6%
- 6
Segment-wise collection efficiency for FY25: 95.5% (Microfinance), 95.7% (MSME), and 95.8% (2W)
Management Comments
Arman Financial Services Limited
Arman Financial Services Limited (NSE: ARMANFIN, BSE: 531179), a Gujarat-Based Non-Banking Financial Company (NBFC), with interests in microfinance, micro-enterprise (MSME) loans, two-wheelers loans and Loan Against Property (LAP) announced its audited financial results for the quarter and full year ended 31st March 2025.
Namra (Microfinance Segment)
As of March 31, 2025, Namra’s AUM stands at ~INR 1,686 Crore. Disbursements for Q4FY25 amounted to ~INR 393 Crore. Gross Total Income stood at ~INR 150 Crore and Net Total Income reached ~INR 109 Crore in Q4FY25. Provisions increased by 23.68% YoY to INR 90.22 Crore. The write-off (net of recovery) during the quarter at INR 105.56 Crore as an aggressive write-off and provisioning policy was followed. Active MFI Customers stood at ~6.06 lakh. GNPA stood at 3.36%; NNPA stood at 0.37% as on 31st March 2025. As on 31st March 2025; the capital adequacy ratio for Namra stood at 48.37%.
Informational and educational content only. Not investment advice.