Arman Financial Services uploads Q4FY26 earnings call recording

Arman Financial Services has uploaded the audio recording of its conference call with analysts and investors regarding the financial results for the quarter and year ended March 31, 2026. The recording, from the session held on May 29, 2026, is now accessible on the company's website, providing stakeholders with a detailed review of the performance for Q4 and FY26.

The interaction, originally conducted to discuss the audited financial results, featured insights from senior management including Mr. Aalok Patel, Vice Chairman & Managing Director, and Mr. Vivek Modi, Executive Director & Group CFO. The session addressed queries concerning the company's financial standing and operational metrics.

Access Information

Stakeholders can access the recording of the conference call via the official company portal. The initiative ensures transparency and allows investors to revisit the management's commentary on the quarterly and annual figures.

Resource	Link
Audio Recording	https://armanindia.com/video.aspx

The disclosure was made to the exchanges pursuant to Regulation 30(6) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
+2.48%	-1.18%	-2.30%	+11.90%	-7.33%	+148.86%

Arman Financial Services Limited reported a consolidated net profit of ₹41 crore for the quarter ended March 31, 2026, a significant increase of 221% from ₹13 crore in the corresponding quarter of the previous year. The company's Assets Under Management (AUM) reached an all-time high of ₹2,728 crore, registering a growth of 21.5% year-on-year. Despite the profit surge, consolidated gross total income declined to ₹176 crore from ₹199 crore year-on-year, while total expenses reduced to ₹117 crore from ₹183 crore in the same period last year. The board approved the audited financial results for the quarter and year ended March 31, 2026, at a meeting held on May 27, 2026.

Consolidated Business Performance

The company's profitability improved sharply in Q4FY26, driven by a reduction in total expenses and a significant drop in credit costs. Consolidated disbursements for FY26 stood at ₹2,433 crore, compared to ₹1,713 crore in FY25, registering a strong year-on-year growth of 42%. This growth was driven by improving on-ground demand and the stabilization of the independent BCM model in the microfinance segment. For the full year, consolidated net profit rose to ₹57 crore from ₹52 crore in FY25, while total gross income decreased to ₹646 crore from ₹730 crore.

Metric	Q4FY26 (₹ in Crore)	Q4FY25 (₹ in Crore)	YoY Change
Net Profit	41	13	221%
Gross Total Income	176	199	-12%
Total Expenses	117	183	-36%
Assets Under Management	2,728	2,245	21.5%

Asset Quality and Liquidity

Collection efficiency for the month of March 2026 stood at 96.9%, with the microfinance segment reporting 97.0%. GNPA stood at 3.43%, while NNPA stood at 0.93% as of March 31, 2026. The company maintained a healthy liquidity position with ₹229 crore in cash and bank balances, liquid investments, and undrawn CC/FDOD limits. Additionally, the company has ₹275 crore in undrawn sanctions from existing lenders. The capital adequacy ratio stood strong at 27.86% as of March 31, 2026.

Segment Performance

The microfinance segment (Namra) reported an AUM of ₹1,999 crore, a growth of 18.6% year-on-year, with a profit after tax of ₹29 crore for Q4FY26 compared to a loss of ₹0.3 crore in the prior year. The MSME, Two-Wheeler, and LAP segments combined reported an AUM of ₹730 crore and a net profit of ₹10 crore for the quarter. The company expanded its footprint in Uttar Pradesh and Uttarakhand and launched the Solar Loan vertical to support future growth.