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Manappuram Finance Limited is a systemically important Indian non-deposit-taking NBFC headquartered at Valapad in Thrissur, Kerala. Its origins date to 1949, and it is widely associated with loans secured by household gold ornaments.
The group has diversified through microfinance, vehicle and equipment finance, housing finance, digital lending and related financial services. Gold lending remains an important earnings and balance-sheet driver.
Manappuram Finance earns interest by lending to customers. In gold loans, pledged jewellery acts as collateral and loan amounts depend on purity, net weight, applicable loan-to-value limits and scheme terms.
The loan book is funded through bank borrowings, debentures, commercial paper and other permitted sources. Profitability depends on lending yields, borrowing costs, operating expenses, collections and credit losses.
Important segments include gold loans, microfinance, vehicle and equipment finance, housing finance and other retail lending. Investors should monitor each segment’s AUM, asset quality and profitability separately.
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Revenue | ₹6,750 Cr | ₹8,087 Cr | ₹9,112 Cr |
| Interest Expense | ₹2,344 Cr | ₹3,106 Cr | ₹3,827 Cr |
| Profit Before Tax | ₹1,889 Cr | ₹2,331 Cr | ₹1,744 Cr |
| Net Profit | ₹1,500 Cr | ₹2,197 Cr | ₹1,204 Cr |
| EPS | ₹17.72 | ₹25.96 | ₹14.22 |
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Equity Capital | ₹169 Cr | ₹169 Cr | ₹169 Cr |
| Reserves and Surplus | ₹8,250 Cr | ₹9,829 Cr | ₹10,390 Cr |
| Borrowings | ₹26,755 Cr | ₹33,185 Cr | ₹35,600 Cr |
| Loans and Advances | ₹33,890 Cr | ₹41,870 Cr | ₹44,900 Cr |
| Total Assets | ₹38,425 Cr | ₹47,197 Cr | ₹50,709 Cr |
| Particulars | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|
| Operating Activity | -₹1,960 Cr | -₹4,910 Cr | -₹2,840 Cr |
| Investing Activity | -₹310 Cr | -₹470 Cr | -₹510 Cr |
| Financing Activity | ₹2,460 Cr | ₹5,760 Cr | ₹3,020 Cr |
| Net Cash Flow | ₹190 Cr | ₹380 Cr | -₹330 Cr |
| Metric | Why It Matters | Investor Focus |
|---|---|---|
| AUM growth | Shows loan-book expansion | Separate gold and non-gold growth |
| GNPA and NNPA | Measure stressed assets | Track segment-level deterioration |
| Credit cost | Shows provisioning burden | Monitor microfinance and other unsecured books |
| Capital adequacy | Supports growth and absorbs losses | Compare with regulatory minimum |
| ROA and ROE | Measure profitability | Assess through the credit cycle |
| Funding cost | Important NBFC margin driver | Monitor borrowing mix and liquidity |
| Company | Primary Business | Comparison Focus |
|---|---|---|
| Manappuram Finance Ltd | Gold loans and diversified NBFC lending | AUM, yield, credit cost, ROA and ROE |
| Muthoot Finance Ltd | Gold loans | Scale, branch productivity and margins |
| IIFL Finance Ltd | Diversified retail lending | Gold loans, regulation and asset quality |
| Bajaj Finance Ltd | Consumer and SME finance | Growth, funding and valuation |
| Cholamandalam Investment | Vehicle and diversified finance | Asset quality and execution |
| Action | Detail | Verification |
|---|---|---|
| Dividend | The company has a history of dividend payments | Verify amount, record date and ex-date |
| Bonus Issue | Check official historical records | Verify ratio and adjusted price |
| Stock Split | Check official historical records | Verify face-value changes |
| Preferential issue / warrants | Review current strategic-investment disclosures | Verify allotment, conversion and dilution |
These FAQs explain gold loans, repayment, customer safeguards, business segments, risks, dividends and investor monitorables.
Manappuram Finance is an Indian NBFC best known for gold loans. It also has microfinance, vehicle and equipment finance, housing finance, digital lending and related businesses.
Customers pledge eligible gold ornaments and receive a loan based on purity, net weight, applicable loan-to-value limits and scheme terms.
Valid identity and address proof, PAN or permitted tax documentation, photographs and contact or bank details may be required. Verify the current KYC list.
Rates depend on the scheme, amount, tenure, repayment pattern and customer profile. Review the annualised rate, processing and penal charges before borrowing.
Eligible customers may use official digital channels for payment, account viewing, renewal or repledge, subject to current product terms.
Additional interest or charges may apply and pledged gold may eventually be auctioned after required notices and procedures.
Gold loans, microfinance, vehicle and equipment finance, housing finance and other retail lending are important group activities.
It earns interest and selected fees. Profit depends on loan growth, lending yields, borrowing costs, operating expenses and credit losses.
Gold-price changes, regulation, funding costs, liquidity, microfinance stress, credit losses, competition and operational compliance are important risks.
AUM mix, gold-loan growth, yields, funding costs, GNPA, NNPA, credit costs, collections, capital adequacy, ROA and ROE are useful monitorables.
It has paid dividends historically, but future dividends are not guaranteed. Verify every amount, record date and ex-date from official filings.
No. This page is educational and does not provide a buy or sell recommendation.
