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Manappuram Finance Ltd

MANAPPURAM

NSE

₹308.90+1.40%4 Nov 2026 at 10:29 AM

Reports

Finance and Investments Gold Loan

Manappuram Finance Ltd

MANAPPURAM

NSE

₹308.90

+1.40%

4 Nov 2026 at 10:29 AM

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Finance and Investments Gold Loan

22 indices

Business Overview: What the company does, in plain English.Growth Catalysts: The forward growth drivers and triggers.Guidance Report: Management guidance vs outcomes.Forensic Report: Accounting quality and red flags.Deep Dive Report: In-depth business analysis.

Manappuram Finance is India’s second-largest gold loan provider, built on a 75-year-old money-lending practice that still defines it - the company takes household gold jewellery as collateral and gives short-term loans, mostly to people in small towns and villages who have no other quick way to raise cash. Founded in 1949 in Valapad, Kerala, and shaped into a formal NBFC by V.P. Nandakumar from 1986, it has since added microfinance, vehicle finance, housing finance, and small-business loans, all aimed at under-banked customers. The recurring approach is a “phygital” one - a dense branch network in semi-urban and rural India combined with a home-grown digital backbone that lets customers pledge gold online, get instant credit, and repay from a phone, a model now being reset under a new partnership with Bain Capital branded “Manappuram 2.0”.

Business segments

Three engines at different stages - a gold-loan cash cow that funds the group, a large microfinance subsidiary being deliberately shrunk, and a collection of smaller secured-lending and fee-based businesses built on the same branch network.

1. Gold loans: the group’s foundation and primary profit engine

The company holds 56.4 tonnes of household gold as collateral against short-term loans averaging ₹67,800 each, with four out of five new loans now originated digitally - a model that turns a centuries-old pawnbroking practice into a fast, low-risk, technology-driven business.

Gold as the ultimate collateral buffer - loans are given at an average loan-to-value of just 57%, well below the regulatory ceiling, so even a sharp fall in gold prices would still leave the loan fully covered.
Short tenures kill two risks at once - the average loan lasts only 82 to 100 days, which means the company is largely insulated from both interest-rate swings and gold-price volatility, because it reprices its book quickly.
Decentralised branches, centralised guardrails - local branches have autonomy to appraise and approve within minutes, but the maximum LTV is set by a one-month moving average of gold prices per RBI rules, and a 24/7 online monitoring system watches for operational risks like theft.
South India is the heartland - about 59% of the gold loan book sits in the southern states, which dominate India’s gold-loan market with 79% of all outstanding loans, giving the company a dense, high-trust presence where gold pledging is culturally embedded.

2. Microfinance: a large subsidiary being deliberately downsized

Asirvad Micro Finance, the country’s second-largest NBFC-MFI, lends to 3.6 million women borrowers but is being cut back to a tenth of the consolidated business under the new strategy, after a sharp portfolio contraction and a quarterly loss.

Built by acquisition, now being pruned - acquired in 2015, Asirvad grew into a ₹7,207 crore AUM business across 23 states, but the Manappuram 2.0 plan targets reducing the microfinance portfolio in the consolidated company to 10%, refocusing capital on gold loans.
Secured book as a stabiliser - Asirvad added its own gold loan product, now running in 461 branches across 14 states, which gives it a secured lending cushion inside what is otherwise an unsecured microfinance portfolio.
IPO pulled, path reset - the subsidiary filed for a public listing in October 2023 but withdrew the draft prospectus in March 2025, aligning with the broader group reset under Bain Capital’s entry.

3. Other secured lending: vehicle, housing, and MSME loans built on the branch network

A set of smaller lending businesses - vehicle finance, affordable housing, and MSME loans - together form a diversified secured-lending layer that piggybacks on the gold-loan branch infrastructure and local customer relationships.

Used commercial vehicles in small towns - the vehicle finance business, with an AUM of ₹4,773 crore, focuses on used commercial vehicles in semi-urban and rural locations, using 3,000-plus co-located gold loan branches as its distribution backbone rather than building a standalone network.
Housing for the self-employed informal sector - Manappuram Home Finance lends almost entirely to self-employed borrowers (93% of customers), with home loans averaging just ₹0.59 million, and sources 95% of its business directly through ground-level marketing and cross-sell from gold loan branches rather than through brokers.
Small-business loans from gold-loan staff - the MSME book, at ₹3,079 crore, is built by employees selected from the gold-loan workforce rather than external hires, lending against property collateral to local kirana shops and small industrial units with ticket sizes from ₹1 lakh to ₹50 lakh.
Digital personal loans as a test bed - a small unsecured digital personal loan product runs entirely through a mobile app using biometric e-KYC and AI-driven underwriting, with total disbursements of just over ₹7 crore in FY25, functioning more as a capability-building experiment than a material business line.

Technology and digital infrastructure

An in-house IT subsidiary, MACOM, built the digital backbone that runs the group - the online gold loan platform, AI-driven collections, and a “phygital” model that combines app-based lending with branch-level relationships.

Own the code, own the advantage - MACOM, a 99.81%-owned subsidiary, modernised 14 key business applications, migrated the parent to the cloud, and built proprietary platforms including the loan system that now handles around 2 lakh vehicle finance loans, giving the group control over its technology roadmap rather than depending on third-party vendors.
OGL is the flagship, but not the only digital product - the Online Gold Loan platform drives 82% of gold disbursements, while a unified digital lending platform called MA-Money offers 24 products and a super app brings all products into one customer interface.
Automation at scale - over 200 robotic process automation projects have been deployed, CKYC verification is fully automated, and AI-driven bots now handle collections calls and customer support, with a WhatsApp chatbot alone processing over 48 lakh queries.

Group structure and partners

A Kerala-headquartered listed NBFC with subsidiaries housing each lending and services vertical, now jointly controlled by the founding family and Bain Capital after a ₹4,385 crore investment that triggered a strategic reset.

Subsidiaries for each business line - Asirvad Micro Finance (97.60% owned) runs microfinance, Manappuram Home Finance (wholly owned) runs affordable housing, Manappuram Insurance Brokers runs the insurance broking business, and MACOM (99.81% owned) serves as the group’s dedicated IT arm.
Bain Capital’s entry reshapes governance - Bain Capital invested approximately ₹4,385 crore for an 18.0% stake on a fully diluted basis, with the transaction closing in April 2026 after regulatory approvals from the RBI and other applicable regulatory/statutory approvals, making Bain a joint promoter alongside V.P. Nandakumar and his family.
Founder moves to mentor, Bain picks the operating leadership - under the shareholders’ agreement, Bain has the right to nominate the managing director, CEO, CFO, COO, and head of risk and compliance, while V.P. Nandakumar transitions to a non-executive chairman and mentor role, marking a deliberate shift from founder-led management to professionalised operations.

Quick Ratios

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Balance Sheet

Cash Flow

Ratios

Peer Comparison

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Mkt Cap

Market Capitalization

₹28,974Cr

Close Price

₹308.45

Industry

Finance and Investments Gold Loan

Price To Earnings

18.82

Price To Sales

2.82

Revenue

₹10,275Cr

Rev Gr TTM

Revenue Growth TTM

4.68%

PAT Gr TTM

PAT Growth TTM

85.35%

Consolidated

Standalone

Numbers

Percentage

Quarter	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue RevenueCr	2,161	2,305	2,348	2,488	2,633	2,560	2,361	2,262	2,273	2,354	2,614	3,034
Growth YoY Revenue Growth YoY%	27.4	34.4	32.2	22.6	21.9	11.0	0.6	-9.1	-13.7	-8.0	10.7	34.1
Interest Expended Interest ExpendedCr	689	749	779	848	906	925	895	855	876	945	1,109	1,274
Expenses ExpensesCr	675	729	773	846	892	1,191	1,637	1,233	1,018	1,034	877	906
Financing Profit Financing ProfitCr	796	827	796	793	835	444	-172	174	380	375	627	854
FPM FPM%	36.8	35.9	33.9	31.9	31.7	17.3	-7.3	7.7	16.7	15.9	24.0	28.1
Other Income Other IncomeCr	13	21	14	24	4	3	2	3	2	5	12	6
Depreciation DepreciationCr	63	62	65	64	67	70	66	75	79	77	75	78
PBT PBTCr	747	786	746	753	773	376	-236	102	302	303	564	782
Tax TaxCr	186	211	182	196	201	98	-33	-31	85	64	159	197
PAT PATCr	561	575	564	557	572	278	-203	132	217	239	405	585
Growth YoY PAT Growth YoY%	36.9	46.2	35.7	11.8	2.0	-51.6	-136.1	-76.2	-62.0	-14.3	299.2	341.4
NPM NPM%	25.9	25.0	24.0	22.4	21.7	10.9	-8.6	5.9	9.6	10.1	15.5	19.3
EPS EPS₹	6.6	6.8	6.7	6.6	6.8	3.3	-2.4	1.6	2.6	2.8	4.8	6.2

Quarter	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue RevenueCr	2,161	2,305	2,348	2,488	2,633	2,560	2,361	2,262	2,273	2,354	2,614	3,034
Growth YoY Revenue Growth YoY%	27.4	34.4	32.2	22.6	21.9	11.0	0.6	-9.1	-13.7	-8.0	10.7	34.1
Interest Expended Interest ExpendedCr	689	749	779	848	906	925	895	855	876	945	1,109	1,274
Expenses ExpensesCr	675	729	773	846	892	1,191	1,637	1,233	1,018	1,034	877	906
Financing Profit Financing ProfitCr	796	827	796	793	835	444	-172	174	380	375	627	854
FPM FPM%	36.8	35.9	33.9	31.9	31.7	17.3	-7.3	7.7	16.7	15.9	24.0	28.1
Other Income Other IncomeCr	13	21	14	24	4	3	2	3	2	5	12	6
Depreciation DepreciationCr	63	62	65	64	67	70	66	75	79	77	75	78
PBT PBTCr	747	786	746	753	773	376	-236	102	302	303	564	782
Tax TaxCr	186	211	182	196	201	98	-33	-31	85	64	159	197
PAT PATCr	561	575	564	557	572	278	-203	132	217	239	405	585
Growth YoY PAT Growth YoY%	36.9	46.2	35.7	11.8	2.0	-51.6	-136.1	-76.2	-62.0	-14.3	299.2	341.4
NPM NPM%	25.9	25.0	24.0	22.4	21.7	10.9	-8.6	5.9	9.6	10.1	15.5	19.3
EPS EPS₹	6.6	6.8	6.7	6.6	6.8	3.3	-2.4	1.6	2.6	2.8	4.8	6.2

Consolidated

Standalone

Numbers

Percentage

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue RevenueCr	2,360	3,385	3,421	4,180	5,465	6,331	6,061	6,700	8,848	10,011	9,509	10,275
Growth Revenue Growth%	18.8	43.4	1.0	22.2	30.8	15.8	-4.3	10.5	32.1	13.2	-5.0	4.7
Interest Expended Interest ExpendedCr	947	1,169	1,030	1,345	1,832	2,219	2,011	2,188	2,866	3,541	3,786	4,204
Expenses ExpensesCr	820	1,011	1,344	1,365	1,547	1,669	2,133	2,317	2,848	4,557	4,162	3,835
Financing Profit Financing ProfitCr	593	1,205	1,047	1,469	2,086	2,443	1,916	2,195	3,134	1,913	1,561	2,236
FPM FPM%	25.1	35.6	30.6	35.2	38.2	38.6	31.6	32.8	35.4	19.1	16.4	21.8
Other Income Other IncomeCr	11	24	58	63	86	44	65	50	72	20	15	25
Depreciation DepreciationCr	56	63	68	75	164	171	198	204	246	267	307	310
PBT PBTCr	548	1,166	1,037	1,457	2,007	2,316	1,784	2,041	2,960	1,666	1,270	1,950
Tax TaxCr	193	407	361	508	527	591	455	541	762	462	277	505
PAT PATCr	355	758	676	949	1,480	1,725	1,329	1,500	2,198	1,204	993	1,445
Growth PAT Growth%	30.8	113.6	-10.9	40.3	56.1	16.5	-23.0	12.9	46.5	-45.2	-17.5	85.3
NPM NPM%	15.1	22.4	19.8	22.7	27.1	27.3	21.9	22.4	24.8	12.0	10.4	14.1
EPS EPS₹	4.2	9.0	8.0	11.3	17.5	20.4	15.7	17.7	26.0	14.2	11.7	16.4

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue RevenueCr	2,360	3,385	3,421	4,180	5,465	6,331	6,061	6,700	8,848	10,011	9,509	10,275
Growth Revenue Growth%	18.8	43.4	1.0	22.2	30.8	15.8	-4.3	10.5	32.1	13.2	-5.0	4.7
Interest Expended Interest ExpendedCr	947	1,169	1,030	1,345	1,832	2,219	2,011	2,188	2,866	3,541	3,786	4,204
Expenses ExpensesCr	820	1,011	1,344	1,365	1,547	1,669	2,133	2,317	2,848	4,557	4,162	3,835
Financing Profit Financing ProfitCr	593	1,205	1,047	1,469	2,086	2,443	1,916	2,195	3,134	1,913	1,561	2,236
FPM FPM%	25.1	35.6	30.6	35.2	38.2	38.6	31.6	32.8	35.4	19.1	16.4	21.8
Other Income Other IncomeCr	11	24	58	63	86	44	65	50	72	20	15	25
Depreciation DepreciationCr	56	63	68	75	164	171	198	204	246	267	307	310
PBT PBTCr	548	1,166	1,037	1,457	2,007	2,316	1,784	2,041	2,960	1,666	1,270	1,950
Tax TaxCr	193	407	361	508	527	591	455	541	762	462	277	505
PAT PATCr	355	758	676	949	1,480	1,725	1,329	1,500	2,198	1,204	993	1,445
Growth PAT Growth%	30.8	113.6	-10.9	40.3	56.1	16.5	-23.0	12.9	46.5	-45.2	-17.5	85.3
NPM NPM%	15.1	22.4	19.8	22.7	27.1	27.3	21.9	22.4	24.8	12.0	10.4	14.1
EPS EPS₹	4.2	9.0	8.0	11.3	17.5	20.4	15.7	17.7	26.0	14.2	11.7	16.4

Consolidated

Standalone

Numbers

Percentage

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital Equity CapitalCr	168	168	169	169	169	169	169	169	169	169	188
Reserves ReservesCr	2,590	3,193	3,645	4,375	5,545	7,138	8,199	9,476	11,379	12,263	15,315
Borrowings BorrowingsCr	8,367	9,403	12,607	15,297	22,574	22,716	24,118	28,483	33,653	35,421	57,246
Other Liabilities Other LiabilitiesCr	1,714	2,387	609	605	1,248	1,314	1,321	1,376	1,546	1,351	1,811
Total Liabilities Total LiabilitiesCr	12,839	15,152	17,030	20,446	29,535	31,338	33,808	39,504	46,748	49,205	74,559
Fixed Assets Fixed AssetsCr	195	187	274	331	767	890	1,016	1,059	1,034	1,098	1,022
Cash Equivalents Cash EquivalentsCr	604	555	724	1,164	3,667	2,912	2,697	3,035	3,181	3,808	6,149
Other Assets Other AssetsCr	12,040	14,410	16,031	18,950	25,101	27,535	30,094	35,410	42,532	44,299	67,389
Total Assets Total AssetsCr	12,839	15,152	17,030	20,446	29,535	31,338	33,808	39,504	46,748	49,205	74,559

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital Equity CapitalCr	168	168	169	169	169	169	169	169	169	169	188
Reserves ReservesCr	2,590	3,193	3,645	4,375	5,545	7,138	8,199	9,476	11,379	12,263	15,315
Borrowings BorrowingsCr	8,367	9,403	12,607	15,297	22,574	22,716	24,118	28,483	33,653	35,421	57,246
Other Liabilities Other LiabilitiesCr	1,714	2,387	609	605	1,248	1,314	1,321	1,376	1,546	1,351	1,811
Total Liabilities Total LiabilitiesCr	12,839	15,152	17,030	20,446	29,535	31,338	33,808	39,504	46,748	49,205	74,559
Fixed Assets Fixed AssetsCr	195	187	274	331	767	890	1,016	1,059	1,034	1,098	1,022
Cash Equivalents Cash EquivalentsCr	604	555	724	1,164	3,667	2,912	2,697	3,035	3,181	3,808	6,149
Other Assets Other AssetsCr	12,040	14,410	16,031	18,950	25,101	27,535	30,094	35,410	42,532	44,299	67,389
Total Assets Total AssetsCr	12,839	15,152	17,030	20,446	29,535	31,338	33,808	39,504	46,748	49,205	74,559

Consolidated

Standalone

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow Operating Cash FlowCr	-1,042	-1,271	-33	-1,661	-3,620	-619	-423	-3,103	-3,450	-467	-20,238
Investing Cash Flow Investing Cash FlowCr	72	-25	-148	-371	26	-186	-193	-616	-601	-125	-1,632
Financing Cash Flow Financing Cash FlowCr	772	1,211	293	2,388	6,049	59	438	3,849	4,092	1,132	23,834
Net Cash Flow Net Cash FlowCr	-198	-84	112	356	2,455	-747	-177	130	41	541	1,965
Free Cash Flow Free Cash FlowCr	-1,121	-1,324	-193	-1,787	-3,716	-672	-585	-3,275	-3,585	-662	-20,427
CFO To EBITDA CFO To EBITDA%	-175.7	-105.4	-3.2	-113.1	-173.6	-25.4	-22.1	-141.4	-110.1	-24.4	-1,296.0

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow Operating Cash FlowCr	-1,042	-1,271	-33	-1,661	-3,620	-619	-423	-3,103	-3,450	-467	-20,238
Investing Cash Flow Investing Cash FlowCr	72	-25	-148	-371	26	-186	-193	-616	-601	-125	-1,632
Financing Cash Flow Financing Cash FlowCr	772	1,211	293	2,388	6,049	59	438	3,849	4,092	1,132	23,834
Net Cash Flow Net Cash FlowCr	-198	-84	112	356	2,455	-747	-177	130	41	541	1,965
Free Cash Flow Free Cash FlowCr	-1,121	-1,324	-193	-1,787	-3,716	-672	-585	-3,275	-3,585	-662	-20,427
CFO To EBITDA CFO To EBITDA%	-175.7	-105.4	-3.2	-113.1	-173.6	-25.4	-22.1	-141.4	-110.1	-24.4	-1,296.0

Consolidated

Standalone

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Current
Valuation Ratios Valuation Ratios
Market Cap Market CapitalizationCr	2,940	8,251	9,205	10,501	8,006	12,624	9,615	10,474	14,648	19,684	23,577	28,974
Price To Earnings Price To Earnings	9.3	10.9	13.6	11.2	5.5	7.3	7.2	7.0	6.7	16.2	23.5	18.8
Price To Sales Price To Sales	1.2	2.4	2.7	2.5	1.5	2.0	1.6	1.6	1.7	2.0	2.5	2.8
Price To Book Price To Book	1.1	2.5	2.4	2.3	1.4	1.7	1.1	1.1	1.3	1.6	1.5	1.9
EV To EBITDA EV To EBITDA	18.0	14.2	20.1	16.8	12.9	13.3	16.2	16.4	14.4	26.8	47.8	35.7
Profitability Ratios Profitability Ratios
FPM FPM%	25.1	35.6	30.6	35.2	38.2	38.6	31.6	32.8	35.4	19.1	16.4	21.8
NPM NPM%	15.1	22.4	19.8	22.7	27.1	27.3	21.9	22.4	24.8	12.0	10.4	14.1
ROCE ROCE%	13.4	18.3	12.6	14.1	13.6	15.1	11.7	11.1	12.9	10.9	7.0	7.0
ROE ROE%	12.9	22.6	17.7	20.9	25.9	23.6	15.9	15.6	19.0	9.7	6.4	6.4
ROA ROA%	2.8	5.0	4.0	4.6	5.0	5.5	3.9	3.8	4.7	2.5	1.3	1.3
Solvency Ratios Solvency Ratios

Financial Year	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Current
Valuation Ratios Valuation Ratios
Market Cap Market CapitalizationCr	2,940	8,251	9,205	10,501	8,006	12,624	9,615	10,474	14,648	19,684	23,577	28,974
Price To Earnings Price To Earnings	9.3	10.9	13.6	11.2	5.5	7.3	7.2	7.0	6.7	16.2	23.5	18.8
Price To Sales Price To Sales	1.2	2.4	2.7	2.5	1.5	2.0	1.6	1.6	1.7	2.0	2.5	2.8
Price To Book Price To Book	1.1	2.5	2.4	2.3	1.4	1.7	1.1	1.1	1.3	1.6	1.5	1.9
EV To EBITDA EV To EBITDA	18.0	14.2	20.1	16.8	12.9	13.3	16.2	16.4	14.4	26.8	47.8	35.7
Profitability Ratios Profitability Ratios
FPM FPM%	25.1	35.6	30.6	35.2	38.2	38.6	31.6	32.8	35.4	19.1	16.4	21.8
NPM NPM%	15.1	22.4	19.8	22.7	27.1	27.3	21.9	22.4	24.8	12.0	10.4	14.1
ROCE ROCE%	13.4	18.3	12.6	14.1	13.6	15.1	11.7	11.1	12.9	10.9	7.0	7.0
ROE ROE%	12.9	22.6	17.7	20.9	25.9	23.6	15.9	15.6	19.0	9.7	6.4	6.4
ROA ROA%	2.8	5.0	4.0	4.6	5.0	5.5	3.9	3.8	4.7	2.5	1.3	1.3
Solvency Ratios Solvency Ratios

Finance and Investments Gold Loan

	MUTHOOTFIN	MANAPPURAM	IIFL	CGCL	FEDFINA
Market CapitalizationMkt CapCr	1,04,008	28,974	23,901	22,907	5,677
Close PriceClose₹	2,590.70	308.45	560.00	238.08	151.29
IndustryIndustry	Finance and Investments Gold Loan	Finance and Investments Gold Loan	Finance and Investments Gold Loan	Finance and Investments Gold Loan	Finance and Investments Gold Loan
Price To EarningsPE	8.53	18.82	9.56	17.48	12.99
Price To SalesPS	2.88	2.82	1.56	3.84	2.22
RevenueRevenueCr	36,146	10,275	15,286	5,970	2,561
Revenue Growth TTMRev Gr TTM%	47.3%	4.7%	35.4%	52.9%	20.9%
PAT Growth TTMPAT Gr TTM%	70.7%	85.3%	157.8%	82.8%	76.6%

	MUTHOOTFIN	MANAPPURAM	IIFL	CGCL	FEDFINA
Market CapitalizationMkt CapCr	1,04,008	28,974	23,901	22,907	5,677
Close PriceClose₹	2,590.70	308.45	560.00	238.08	151.29
IndustryIndustry	Finance and Investments Gold Loan	Finance and Investments Gold Loan	Finance and Investments Gold Loan	Finance and Investments Gold Loan	Finance and Investments Gold Loan
Price To EarningsPE	8.53	18.82	9.56	17.48	12.99
Price To SalesPS	2.88	2.82	1.56	3.84	2.22
RevenueRevenueCr	36,146	10,275	15,286	5,970	2,561
Revenue Growth TTMRev Gr TTM%	47.3%	4.7%	35.4%	52.9%	20.9%
PAT Growth TTMPAT Gr TTM%	70.7%	85.3%	157.8%	82.8%	76.6%

FY2026

FY2025

FY2024

FY2023

FY2022

FY2021

FY2020

FY2026

Jun 26

Result PPT Transcript Summary

Mar 26