323.75
-0.51%
Close of 9 Nov 2026, in INR
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About Manappuram Finance
Its shares trade on NSE under the ticker MANAPPURAM.NS. It has been listed since 21 August 1995. In the fiscal year to 31 March 2026, it reported revenue before interest expense of ₹95.25bn and net income of ₹10.03bn. At that date it held total assets of ₹745.59bn and shareholders' equity of ₹160.51bn.
Manappuram Finance Ltd. is a non-banking financial company, which provides financial services, including gold loans, foreign exchange services, and remittances. The company is headquartered in Trichur, Kerala. The firm serves the credit requirements of people belonging to the lower socio-economic classes, particularly in rural and semi-urban areas of India. The firm offers a range of retail credit products and financial services. The firm has a diversified portfolio across retail, microfinance, small and medium enterprises (SMEs), and commercial customers. The firm offers gold loans against the security of gold jewelry. The Company’s short-term gold loan product is used primarily by customers who require immediate funds and may not have access to other forms of formal credit readily available. The company offers online gold loan, gold loan, SME finance, forex and money transfer, vehicle loan, doorstep gold loan, personal loan, micro home finance, hospitality industrial loan, teachers loan division, healthcare industry loan, other loans, other services, and two-wheeler finance.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 21 Aug 1995
- Employees
- 27,564
- Website
- manappuram.com ↗
Leadership
Pay as last reported
- Dr. Shailesh MehtaIndependent Non-Executive Chairman of the Board₹20.1m
- Mr. Deepak ReddyChief Executive Officer
- Mr. Buvanesh TharashankarGroup Chief Financial Officer
- Mr. Manoj V. R.Compliance Officer, Company Secretary₹3.0m
- Mr. Vazhappully NandakumarManaging Director, Executive Director, since 1992₹237.9m
- Dr. Sumitha NandanExecutive Director, since 2023₹25.5m
- Mr. E. K. Bharat BhushanIndependent Non-Executive Director₹4.3m
- Mr. Harshan KollaraIndependent Non-Executive Director₹6.0m
- Mr. T C. Suseel KumarIndependent Non-Executive Director₹4.4m
- Dr. Sankaran RajagopalIndependent Non-Executive Director₹4.4m
- Ms. Pratima RamIndependent Non-Executive Director₹4.5m
- Adv. Veliath SeemandiniIndependent Non-Executive Director₹4.3m
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 43
- Environment
- 17
- Social
- 44
- Governance
- 69
- Direct emissions (scope 1)
- 138.88 t
- Energy emissions (scope 2)
- 12,924.84 t
- Women in the workforce
- 28.13%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Strong market presence: Manappuram Finance Ltd has established a strong presence in the financial market, especially in the gold loan segment.
- Diverse product portfolio: The company offers a wide range of financial products and services such as gold loans, microfinance, foreign exchange, and more, which helps in diversifying its revenue streams.
- Robust customer base: Manappuram Finance Ltd has a large customer base, built through years of trust and reliable financial services.
Weaknesses
- Concentration risk: The company heavily relies on the gold loan segment, which exposes it to risks associated with gold price fluctuations and changes in government policies regarding gold loans.
- Limited geographical presence: Manappuram Finance Ltd operates primarily in India, which leaves it vulnerable to regional economic downturns or regulatory changes.
- Reliance on physical gold: As gold loans are backed by physical gold, any incidents of theft or fraud can pose a significant challenge to the company's operations and reputation.
Opportunities
- Expansion into new markets: Manappuram Finance Ltd can explore opportunities to enter new markets, both within India and internationally, to diversify its geographical presence and reduce concentration risk.
- Innovation and technology integration: Embracing technological advancements can help the company streamline its operations, improve customer experience, and stay competitive in the digital era.
- Growing demand for affordable finance: The increasing need for affordable financial services in the emerging markets presents an opportunity for Manappuram Finance Ltd to cater to the underserved population and expand its customer base.
Threats
- Intense competition: The financial industry, including the gold loan segment, is highly competitive, and Manappuram Finance Ltd faces competition from both traditional and non-traditional players.
- Regulatory changes: Changes in government regulations, especially related to gold loans or finance sector reforms, can impact the company's business operations and profitability.
- Economic instability: Any economic downturn or financial instability can affect the borrowing capacity of customers, leading to increased default risk for the company.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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