Arman Financial Services (ARMANFIN) Q4 03/04 earnings summary
Event summary combining transcript, slides, and related documents.
Q4 03/04 earnings summary
26 Oct, 2026Executive summary
FY03-04 results improved: total income rose to ₹14.03m from ₹11.30m, and net profit increased to ₹2.77m from ₹1.70m.
Lending remained focused on two-wheelers and consumer durables; personal loans were newly introduced with a cautious approach.
Financial highlights
Total income was ₹14.03m, including ₹13.21m from operations and ₹0.82m other income, versus ₹11.30m in FY02-03.
Profit before tax was ₹4.50m versus ₹2.83m; profit after tax was ₹2.77m versus ₹1.70m.
Net worth reached ₹58.98m at 31 March 2004, up from ₹53.06m a year earlier.
Outlook and guidance
Personal lending was positioned as a growth opportunity, while unsecured personal loans would be monitored carefully and expanded conservatively.
Management cited expected Indian GDP growth of 7–8% and rising retail-finance opportunities; no company-specific numerical guidance was stated.
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