Manba Finance Limited has secured a substantial term loan facility from State Bank of India and submitted its quarterly compliance certificate to stock exchanges. The company announced the Rs 100 crore loan sanction and fulfilled its regulatory obligations for Q4FY26.

Term Loan Facility Details

The financial arrangement represents a major capital infusion for Manba Finance Limited. The loan details are outlined below:

Q4FY26 SEBI Compliance Certificate

On April 6th, 2026, Manba Finance Limited submitted its certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended March 31st, 2026. The certificate was received from MUFG Intime India Private Limited (Formerly known as Link Intime India Private Limited), the company's Registrar and Share Transfer Agent.

Regulatory Compliance

The company has fulfilled its disclosure obligations by informing both major stock exchanges about these developments. The communications were submitted to:

• National Stock Exchange of India Ltd. - Exchange Plaza, Bandra-Kurla Complex
• BSE Limited - Phiroze Jeejeebhoy Towers, Dalal Street

Both communications were digitally signed and submitted by Bhavisha Jain, who serves as the Company Secretary & Compliance Officer for Manba Finance Limited.

Strategic Significance

The loan sanction from State Bank of India demonstrates the financial institution's confidence in Manba Finance Limited's business model and repayment capacity. The Rs 100 crore facility provides significant financial resources to support operational requirements and strategic initiatives. Additionally, the timely submission of SEBI compliance certificates reflects the company's commitment to regulatory adherence and transparency in its operations.

Manba Finance has delivered strong financial performance in Q3FY26, demonstrating robust growth across key metrics during its earnings conference call held on January 30, 2026. The non-banking financial company reported significant expansion in its asset under management and maintained healthy profitability while strengthening its market position.

Strong Asset Growth and Disbursement Performance

The company's asset under management reached ₹1,631 crores as of December 31, 2025, reflecting a robust year-on-year growth of 25%. Total balance sheet size stood at ₹1,771 crores, underlining the company's expanding scale of operations.

The company achieved record-high disbursements of ₹746 crores for the nine-month period compared to ₹672 crores in the same period last year. Q3 alone witnessed season's highest disbursements of ₹347 crores, marking a 48.90% increase quarter-on-quarter.

Financial Performance and Profitability

Manba Finance reported quarterly net interest income of ₹42 crores, reflecting 17% year-on-year growth. For the nine-month period, net interest income reached ₹110 crores, representing 19% year-on-year growth supported by steady loan growth and improved funding efficiencies.

The company maintained healthy profitability with net interest margin at 12.65% supported by gross yield of 22.80%. Profit after tax for the nine-month period stood at ₹34 crores, marking a 15% increase year-on-year.

Asset Quality and Risk Management

Asset quality remained well controlled with gross NPA at 3.38% and net NPA at 2.57%. The company's credit costs remained stable with losses consistently below 1%, reaffirming the strength of its collection processes and underwriting quality.

Business Expansion and Strategic Initiatives

The company added 37,500 new customers during the quarter, taking the total live customer base to over 2 lakhs. Manba Finance operates across 113 locations in 6 states with a distribution network of over 1,400 dealers and a team of approximately 1,700 employees.

During the quarter, the company entered into a strategic MoU with TVS Motor Company, enabling deeper collaboration across the dealer ecosystem and enhancing reach in the three-wheeler financing segment. The company expects this partnership to contribute ₹250-300 crores in disbursements over 18-24 months.

Funding and Capital Position

The company's average cost of borrowing stands at 10.12%, which has gradually declined benefiting from improved credit rating and favorable market conditions. Capital adequacy ratio remained healthy at 25.06%, well above regulatory requirements. The company maintains funding relationships with 3 public sector banks, 10 private sector banks, and 23 NBFCs.