Q1-FY27 · VP Nandakumar
We want to maintain around 75 to 80% of the consolidated AUM in gold and the balance would be secured lending like mortgage-based MSME lending plus affordable housing.
MANAPPURAM / language trends
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Manappuram Finance · tone and specificity signals across the available quarters.
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Language signals
What changed in management language.
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Q1-FY27 · VP Nandakumar
The profile of the customer is moving to the business class. Earlier this was seen as a distress product. Now with the publicity given by all institutions including banks, more and more business people for particularly MSME are availing the loan.
Q1-FY27 · Binesh Tiwari
We expect gold loan yield to be somewhere around 18%. May go down by 25 basis points or go up by 25 basis, beyond that we don't expect anything.
Q1-FY27 · VP Nandakumar
We are targeting an ROA of around 3.5 to 4% and targeting an ROE of 15 to 18%. In 3 years our expectation is to take ROE to around 18%.
Q3-FY26 · Deepak
We are already at eight or eight and a half. I would say we are almost there on the journey of getting priced in line with peers. What the takeaway you can take back is from being priced above market, one of them you can expect to price at market going forward.
Q3-FY26 · Manoranjan
In Asheraad, collection efficiency in our new book is at 99.78%... the balance of the old book we are seeing a collection efficiency increase about 2% quarter on quarter, which establishes the fact that we have not let the old book slip away.
Q3-FY26 · VP Nandakumar
Whatever the RBI has told Bane is ready to go by that. So that will not create any problem with regard to promised investment in Manappuram as well as the joint control in Manappuram.