ARMAN FIN SERV LTD

During the Q1 FY27 earnings conference call, management reported a strong start to the fiscal year, with consolidated assets under management (AUM) reaching a record high of INR 2,925 crores, reflecting a 36% year-on-year growth. Consolidated disbursements increased by 76% year-on-year to INR 686 crores, marking the highest first-quarter disbursements. Management noted improvements in collection efficiency, which stood at 96.6%, and asset quality, with gross non-performing assets (GNPA) at 2.76%. The company emphasized a cautious approach to growth, prioritizing quality over quantity, and highlighted the importance of disciplined underwriting and collections. Profit after tax was reported at INR 45 crores, a significant recovery from a loss in the previous year. Management acknowledged ongoing macroeconomic uncertainties but expressed confidence in the company's strengthened operational framework and asset quality improvements.

Management highlighted strong financial performance and improvements in asset quality.