Share of Manappuram Finance Ltd is currently trading at around Rs.264/-Investors are asking for the Manappuram Share Price Target for 2025, 2030, 2035 and 2040. In this article, we will discuss about the business prospects and financial performance of the Company and based on our discussion and analysis will tell you the Manappuram Share Price Target for 2025, 2030, 2035 and 2040.
Discussion & Analysis of Business & Financial performance with future business prospects of Manappuram Finance Ltd:
🏦 Current Business Position of Manappuram Finance Ltd
Manappuram Finance Ltd, a leading non-banking financial company (NBFC) in India, is best known for its gold loan business, which remains its core revenue driver. As of Q1 FY2026:
- Gold Loan Dominance:
- Gold loans constitute approximately 65% of the total portfolio, with plans to increase this to 75%.
- Gold Loan Assets Under Management (AUM) rose 22% YoY to ₹28,800 crore.
- Loan-to-Value (LTV) ratio remains stable at 57%, with yields currently at 20.7%, expected to moderate to 18% over the next few quarters
· Financial Performance:
- Q1 FY2026 saw a 76% YoY decline in net profit, down to ₹132.47 crore.
- Revenue fell 9.8% YoY, reflecting pressure on margins and asset quality.
- Vehicle finance segment showed stress, with Gross NPAs rising to 9.2%, prompting strategic exits from farm equipment financing4.
· Leadership Transition:
- In August 2025, Deepak Reddy was appointed CEO, bringing over 30 years of experience from Bajaj Finserv and American Express.
- His mandate includes strengthening core businesses and driving innovation across gold loans, vehicle finance, MSME lending, and digital platforms.
· Operational Strength:
- The company maintains a strong capital adequacy ratio (CRAR) of 28.7%, with ₹4,047 crore in cash and equivalents.
- It operates over 5,000 branches and serves 2.6 million gold loan customers, safeguarding approximately 57 metric tonnes of household gold.
🚀 Future Business Prospects
Manappuram Finance is pursuing a multi-pronged growth strategy to reinforce its market position and diversify revenue streams:
- Gold Loan Expansion:
- Targeting 15–20% annual growth through customer acquisition, optimized ticket sizes, and digital platforms like Online Gold Loan (OGL).
- Strategic pricing adjustments aim to align yields with competitors while maintaining volume growth
· Diversification Strategy:
- Focused growth in vehicle finance, MSME loans, and small-ticket housing loans tailored to underbanked customers.
- Vehicle finance AUM grew 41.4% YoY, and home loans rose 25.7% YoY, indicating traction beyond gold loans.
· Microfinance Recovery:
- Asirvad Microfinance, a key subsidiary, is undergoing restructuring with stricter underwriting and cost rationalization.
- Expected to stabilize in 2–3 quarters, targeting 99% collection efficiency and 10–12% annual growth.
· Digital Transformation:
- Investments in cloud infrastructure, automated underwriting, and digital lending channels are enhancing operational efficiency and customer experience
- Regulatory and Strategic Moves:
- Awaiting RBI approval for a strategic deal with Bain Capital, which could unlock new growth avenues2.
- Plans to expand branch network once RBI restrictions ease, boosting offline reach.
📈 Conclusion
Manappuram Finance Ltd stands at a pivotal juncture. While short-term challenges—like asset quality stress and margin compression—persist, the company’s robust gold loan franchise, strategic leadership, and digital-first approach position it well for long-term growth. Its calibrated diversification and operational discipline suggest a resilient trajectory in India’s evolving NBFC landscape.
Share Price Targets:
Manappuram Share Price Target 2025
Based on the above discussion and analysis, the share price of Manappuram Finance Ltd may touch the level of around Rs.300-325 in 2025
Manappuram Share Price Target 2030
Based on the above discussion and analysis, the share price of Manappuram Finance Ltd may touch the level of around Rs.650-700 in 2030
Manappuram Share Price Target 2035
Based on the above discussion and analysis, the share price of Manappuram Finance Ltd may touch the level of around Rs.1400-1500 in 2035
Manappuram Share Price Target 2040
Based on the above discussion and analysis, the share price of Manappuram Finance Ltd may touch the level of around Rs.3000-3500 in 2040
Disclaimer: Investment in Capital Market/Share Prices are subject to market fluctuations and are dependent on several factors. These predictions are based on the current market conditions and the future market expectations. Investors are advised to take into consideration all these factors before making any investment in Capital Market. This article should not be treated as Investment advisory and is for general Guidance & Educational purpose only. We keep revising our share price targets based on the latest information available with us. Please keep visiting our website regularly to keep yourself updated. MoneyInsight does not offer investment advice and does not encourage any action based on its content.
Read Also:
How to make maximum profit with minimum investment from the Stock Market ? – MoneyInsight
Also Read :
How to make money from share market? (indiatimes.com)
Visit our another Group Website regularly for more such Educational Research Articles:
News4You – News & Views On Personal Finance & Share Market
Visit our Website regularly for more such Educational Research Articles:
MoneyInsight – We Provide Insight to Your Money
