	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	C 2016 Mar 31	2017 Mar 31	R 2018 Mar 31	R 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Total Revenue	2,616	2,250	2,100	1,986	2,352	3,376	3,374	4,113	5,392	6,273	5,989	6,618	8,797	9,926	9,431
Cost of Operating Revenue	1,089	1,189	1,027	877	947	1,169	1,030	1,345	1,832	2,170	1,947	2,188	2,866	3,541	3,786
Total Operating Expenses	1,779	1,958	1,769	1,579	1,812	2,231	2,219	2,664	3,233	3,512	3,720	4,336	5,331	6,331	6,620
Operating Profit	837	292	332	407	540	1,144	1,156	1,449	2,159	2,761	2,269	2,282	3,466	3,595	2,811
Operating Margin	32.0	13.0	15.8	20.5	23.0	33.9	34.3	35.2	40.0	44.0	37.9	34.5	39.4	36.2	29.8
Financing Income/(Expense) - Net	-	-	-	-	-	-	-	-	-	-49	-65	-	-	-	-
Profit before Taxes	877	307	343	414	548	1,166	1,037	1,457	2,007	2,316	1,784	2,041	2,960	1,666	1,270
Income Taxes	286	98	117	142	193	407	361	508	527	591	455	541	762	462	277
Profit after Tax	591	208	226	271	353	756	677	940	1,468	1,724	1,328	1,496	2,189	1,216	1,003
PAT Margin	22.6	9.3	10.8	13.7	15.0	22.4	20.1	22.9	27.2	27.5	22.2	22.6	24.9	12.3	10.6
EPS - Basic - ex Extraordinary Items	7.06	2.48	2.69	3.23	4.20	8.98	8.04	11.16	17.39	20.39	15.70	17.67	25.86	14.37	11.72
EPS - Diluted - ex Extraordinary Items	7.05	2.48	2.69	3.23	4.20	8.98	8.02	11.24	17.34	20.39	15.70	17.67	25.86	14.37	11.71
EBIT	837	292	332	407	540	1,144	1,156	1,449	2,159	2,761	2,269	2,282	3,466	3,595	2,811
EBITDA	885	354	396	461	596	1,208	1,224	1,524	2,323	2,932	2,467	2,486	3,713	3,862	3,120
EBITDA Margin	33.8	15.7	18.8	23.2	25.3	35.8	36.3	37.1	43.1	46.7	41.2	37.6	42.2	38.9	33.1

Balance Sheet

Abridged

Understanding Balance Sheet

Manappuram Finance Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	R 2019 Mar 31	R 2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Property Plant & Equipment - Net	231	233	196	169	192	184	269	313	750	870	1,001	1,044	1,032	1,057	997
Total Assets	12,077	12,728	10,838	11,616	12,839	14,983	17,023	20,446	29,535	31,338	33,811	39,504	46,748	49,205	74,559
Long Term Debt	1,072	1,362	1,455	1,642	1,600	10,998	12,601	15,293	20,967	22,111	24,051	29,048	33,405	28,388	57,837
Total Liabilities	9,696	10,285	8,347	8,963	10,060	11,599	13,177	15,853	23,731	23,983	25,426	29,839	35,171	36,756	58,502
Total Shareholders' Equity	2,381	2,443	2,492	2,638	2,758	3,363	3,816	4,547	5,746	7,307	8,368	9,645	11,548	12,432	16,051
Minority Interest	-	-	-	15	21	21	29	46	58	47	16	20	29	17	6
Total Equity	2,381	2,443	2,492	2,653	2,779	3,384	3,845	4,593	5,804	7,355	8,384	9,665	11,577	12,449	16,057
Total Liabilities & Equity	12,077	12,728	10,838	11,616	12,839	14,983	17,023	20,446	29,535	31,338	33,811	39,504	46,748	49,205	74,559
Total Current Assets	11,724	12,239	10,407	11,068	11,893	-	-	-	-	-	-	-	-	-	-
Total Current Liabilities	8,611	8,871	6,620	7,211	8,333	-	-	-	-	-	-	-	-	-	-

Cash Flow

Abridged

Understanding Cash Flow Statement

Manappuram Finance Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	R 2015 Mar 31	2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	C 2019 Mar 31	R 2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	R 2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	670	259	360	355	464	908	853	948	1,732	2,179	2,531	2,304	3,109	3,011	3,312
Working Capital - Increase/(Decrease)	-3,749	-80	1,616	-1,243	-1,506	-2,177	-1,943	-2,600	-5,275	-2,670	-3,027	-5,326	-6,414	-3,231	-23,386
Net CF from Operating Activities	-3,079	179	1,976	-888	-1,042	-1,270	-1,090	-1,651	-3,543	-492	-496	-3,022	-3,306	-219	-20,074
Capital Expenditures - Net	142	64	25	24	79	54	160	126	96	52	162	172	135	196	189
Net CF from Investing Activities	-478	-406	-28	598	72	-26	-183	-381	-51	-314	-120	-698	-745	-372	-1,842
Dividends Paid - Cash - Total	92	123	114	114	190	126	203	218	286	111	254	262	294	339	169
Stock - Issuance/(Retirement) - Net	12	0	-	-	-5	2	5	6	48	13	0	250	150	-	2,741
Debt - LT & ST - Issuance/(Retirement) - Total	3,660	581	-1,819	400	1,006	1,361	1,582	2,601	6,287	189	692	3,861	4,237	1,473	21,382
Net Cash Flow from Financing Activities	3,566	424	-1,952	265	772	1,211	1,384	2,388	6,049	59	438	3,849	4,092	1,132	23,881
Free Cash Flow to Equity	439	696	133	-512	-115	38	332	824	2,647	-355	34	668	796	1,057	1,119
Free Operating CF net dividend	-3,313	-10	1,837	-1,027	-1,312	-1,450	-1,454	-1,998	-3,929	-656	-913	-3,456	-3,736	-754	-20,444
Free Operating CF	-3,222	113	1,950	-913	-1,122	-1,324	-1,251	-1,779	-3,643	-545	-659	-3,195	-3,442	-415	-20,274

Business Segment Analysis

FY End:

Mar 25

Manappuram Finance Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Gold Loans & Other (72.8%)₹ 7,306.49 CrMicrofinance (27.2%)₹ 2,734.39 Cr

Assets

Gold Loans & Other (82.2%)₹ 40,436.75 CrMicrofinance (17.8%)₹ 8,767.94 Cr

Regional Segment Analysis

Manappuram Finance Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

We don't have enough data to show regional segment analysis for Manappuram Finance Ltd.

Historical Segment Analysis

Track how Manappuram Finance Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Business

Regional

Business

	2010 Mar 31

Asset Financing	0
Fee Based Activities	0
Gold Loans & Other	29

Frequently Asked Questions

What is the revenue of Manappuram Finance Ltd.?

The latest trailing twelve month revenue of Manappuram Finance Ltd. is ₹ 9,430.54 Cr, reflecting a 1-year growth of -4.99% and a 3-year CAGR of 12.53%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Manappuram Finance Ltd.?

The latest trailing twelve month net profit (PAT) of Manappuram Finance Ltd. is ₹ 1,003.30 Cr, with a 3-year earnings CAGR of -12.82%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Manappuram Finance Ltd.?

The trailing twelve month EBITDA of Manappuram Finance Ltd. is approximately ₹ 2,810.86 Cr (based on an operating margin of 29.81%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Manappuram Finance Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Manappuram Finance Ltd. is 11.71. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Manappuram Finance Ltd.?

The debt-to-equity ratio of Manappuram Finance Ltd. stands at 3.60. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Manappuram Finance Ltd.?

The estimated book value per share of Manappuram Finance Ltd. is 193.01 (derived from a P/B ratio of 1.70 and market price of ₹ 328.20), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Manappuram Finance Ltd.?

The trailing twelve month operating cash flow of Manappuram Finance Ltd. is ₹ -20,074.10 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Manappuram Finance Ltd. report consolidated or standalone financials?

Manappuram Finance Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.