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Manappuram Finance Limited is one of India’s leading non-banking financial companies, with its roots tracing back to 1949 when Shri V. C. Padmanabhan began offering loans against jewellery in Valapad, Kerala. The company was incorporated as a public limited company on July 15, 1992, and its equity shares are listed on both BSE and NSE. It is registered with the Reserve Bank of India as a Systemically Important Non-Deposit Taking NBFC and is classified in the Middle Layer (NBFC-ML) under Scale Based Regulation.
The company offers a wide range of fund- and fee-based services, including gold loans, financing of commercial and passenger vehicles, construction and farm equipment, MSME loans, two-wheeler and personal loans, foreign exchange services, housing finance, microfinance, vehicle and equipment finance, insurance distribution and tech-enabled services through its subsidiaries. Its registered office is located at Valapad, Thrissur, Kerala.
Manappuram Finance has built a pan-India franchise with over 4,100 locations across 25 states, serving urban, semi-urban and rural customers. It operates four subsidiaries. Over the years, the company has achieved key milestones, including pioneering Online Gold Loans (OGL), deploying a cellular vaulting mechanism, and establishing itself as the country’s second-largest gold loan NBFC. As of March 31, 2025, 82 per cent of its gold loans were disbursed via OGL, underlining its tech-driven leadership.
Retail financial services form the backbone of the company’s operations, dominated by gold loans but diversified across MSME lending, vehicle and equipment finance, two-wheeler and personal loans, housing finance, microfinance, forex and insurance distribution.
Digital scale-up: Online Gold Loans accounted for 82 per cent of the gold loan book by March 31, 2025, enabled by multilingual, app-based access and instant disbursement.
Cybersecurity and technology: The company strengthened its digital stack and received ISO 27001:2022 certification for its cybersecurity framework.
Gold loan franchise: Gold loan AUM increased by 18.7 per cent year-on-year to ₹25,586 crore, with the Loan-to-Value ratio at 57 per cent as of March 31, 2025.
Microfinance recalibration: Disbursements were restricted to centres with less than 2 per cent PAR, biometric verification was made mandatory, and risk frameworks were strengthened to stabilise asset quality.
Housing finance momentum: The wholly owned housing finance subsidiary expanded its branch network from 65 to 89, achieved 20.8 per cent AUM growth, and maintained GNPA at 2.4 per cent.
Vehicle & equipment finance: This segment recorded 16.1 per cent AUM growth, with calibrated pullbacks in select categories to protect asset quality and support a sustainable recovery.
Leadership and governance: The Managing Director & CEO was re-appointed for a five-year term effective April 1, 2024. Independent Directors were also appointed and re-appointed during FY 2024-25.
Strategic capital: Bain Capital was inducted as a strategic investor, further strengthening the company’s capital base and strategic direction.
Manappuram provides retail financial services including gold loans, MSME lending, vehicle and equipment finance, two-wheeler and personal loans, housing finance, microfinance, foreign exchange and insurance distribution. It operates as an RBI-registered NBFC-ML with a nationwide presence.
The registered office is at Manappuram House, Valapad, Thrissur, Kerala. The company was incorporated as a public limited company on July 15, 1992, and is listed on BSE and NSE.
Manappuram operates through over 4,100 locations across 25 states in India, with reach across urban, semi-urban and rural markets. It has four subsidiaries.
