{"id":130889,"date":"2022-06-29T10:55:18","date_gmt":"2022-06-29T14:55:18","guid":{"rendered":"https:\/\/44.250.171.167\/?p=130889"},"modified":"2022-10-06T04:19:39","modified_gmt":"2022-10-06T08:19:39","slug":"arman-financial-services-limited-q4-fy22-earnings-conference-call-insights","status":"publish","type":"post","link":"https:\/\/alphastreet.com\/india\/arman-financial-services-limited-q4-fy22-earnings-conference-call-insights\/","title":{"rendered":"Arman Financial Services Limited Q4 FY22 Earnings Conference Call Insights"},"content":{"rendered":"<p><iframe loading=\"lazy\" title=\"Arman Financial Services Limited Q4 FY22 Earnings Concall\" width=\"500\" height=\"375\" src=\"https:\/\/www.youtube.com\/embed\/7pFAn2GFsbY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p><strong>Key highlights from Arman Financial Services Limited (<a href=\"https:\/\/44.250.171.167\/symbol\/ARMANFIN\/\">ARMANFIN<\/a>) Q4 FY22 Earnings Concall<\/strong><\/p>\n<p><strong>Q&amp;A Highlights:<\/strong><\/p>\n<ul>\n<li>Amit Mantri of 2Point2 Capital asked about the reasons for yield spiking in 4Q22. Aalok Patel Joint MD replied that it\u2019s due to the portfolio securitization transaction of INR100 crores uploaded to SBI. Under the Ind AS requirement, the gain on such transaction needs to be booked upfront.<\/li>\n<\/ul>\n<ul>\n<li>Savi Jain from 2Point2 Capital enquired about the loss the company has taken through the other comprehensive income. Aalok Patel Joint MD replied that on the Ind AS, the overall interest rates have gone up and based on that the OCI will turn out to be a notional loss.<\/li>\n<\/ul>\n<ul>\n<li>Piyush Jain with Hansraj Virendra Capital asked about the new geographies ASRMANFIN is expanding. Aalok Patel Joint MD said the company expanded to Haryana early this year; have 18 branches there. Opened up around 12 odd branches in Bihar.<\/li>\n<\/ul>\n<ul>\n<li>Piyush Jain with Hansraj Virendra Capital also asked that on the new geographies how does the company see the market with respect to Gujarat market. Aalok Patel Joint MD said in new areas, in Haryana the potential for rapid growth is limited. In Bihar, it\u2019s concentrated and will take time to comment on growth there.<\/li>\n<\/ul>\n<ul>\n<li>Sachit Motwani from Param Capital asked about April, May disbursement, which has been slow for competitors due to RBI\u2019s new guidelines. Aalok Patel Joint MD replied that it\u2019s been the opposite for the company. The disbursements are quite high and the demand is also quite high. Only operationally it has been challenging.<\/li>\n<\/ul>\n<ul>\n<li>Sachit Motwani from Param Capital enquired if the cost to income ratios will further moderate down. Aalok Patel Joint MD clarified that it\u2019s very much possible as now that the company is charging higher interest rates and the operating cost will not increase to a large extent.<\/li>\n<\/ul>\n<ul>\n<li>Sachit Motwani from Param Capital asked about the other income being higher in 4Q22 and liquidity expectation on balance sheet. Aalok Patel Joint MD answered that it\u2019s because the liquidity has been generally high. ARMANFIN would like to have as much liquidity as possible on balance sheet.<\/li>\n<\/ul>\n<ul>\n<li>Sachit Motwani of Param Capital asked about long term thoughts on two wheeler book, if ARMANFIN is looking at scaling this to INR200-300 crore AUM. Aalok Patel Joint MD said that the market conditions are such that it\u2019s on ice at the moment. As the conditions improve, ARMANFIN will take a call on it.<\/li>\n<\/ul>\n<ul>\n<li>Sachit Motwani of Param Capital asked about any scale up on the MSME segment. Aalok Patel Joint MD replied that ARMANFIN is trying to scale up and it takes a kind of unique customer. The company is currently growing at a 35-40% on a YonY basis and that should continue for the years to come.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Key highlights from Arman Financial Services Limited (ARMANFIN) Q4 FY22 Earnings Concall Q&amp;A Highlights: Amit Mantri of 2Point2 Capital asked about the reasons for yield spiking in 4Q22. Aalok Patel Joint MD replied that it\u2019s due to the portfolio securitization transaction of INR100 crores uploaded to SBI. Under the Ind AS requirement, the gain on [&hellip;]<\/p>\n","protected":false},"author":1767,"featured_media":125416,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"Arman Financial Services Limited Q4 FY22 Earnings Conference Call Insights #ARMANFIN #Q4","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[9825,392,1],"tags":[1792],"class_list":["post-130889","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-earnings-call-highlights","category-earnings","category-finance-stocks","tag-financial-services"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":143106,"url":"https:\/\/alphastreet.com\/india\/arman-financial-services-limited-q3-fy23-earnings-conference-call-insights\/","url_meta":{"origin":130889,"position":0},"title":"Arman Financial Services Limited Q3 FY23 Earnings Conference Call Insights","author":"Praveen","date":"March 1, 2023","format":false,"excerpt":"Key highlights from Arman Financial Services Limited (ARMANFIN) Q3 FY23 Earnings Concall Q&A Highlights: [00:12:50] Amit Mantri from 2Point2 Capital asked about the reason for finance costs increasing significantly QonQ. Aalok Patel MD said that it\u2019s a combination of both. Interest on the CCDs and the provisions on the OCRPS.\u2026","rel":"","context":"In &quot;Concall Highlights&quot;","block_context":{"text":"Concall Highlights","link":"https:\/\/alphastreet.com\/india\/category\/earnings-call-highlights\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":128150,"url":"https:\/\/alphastreet.com\/india\/arman-financial-services-limited-q3-fy22-earnings-conference-call-insights\/","url_meta":{"origin":130889,"position":1},"title":"Arman Financial Services Limited Q3 FY22 Earnings Conference Call Insights","author":"Praveen","date":"March 8, 2022","format":false,"excerpt":"https:\/\/youtu.be\/8w4sKSWi4Xw Key highlights from Arman Financial Services Limited (ARMANFIN) Q3 FY22 Earnings Concall \u00a0Management Update: ARMANFIN\u2019s consolidated loan book as on 31 Dec., 2021 crossed the INR1,000 crore milestone, reaching INR1,045 crores. The company also closed a INR100 crore direct assignment transaction in January 2022, representing the largest DA transaction\u2026","rel":"","context":"In &quot;Concall Highlights&quot;","block_context":{"text":"Concall Highlights","link":"https:\/\/alphastreet.com\/india\/category\/earnings-call-highlights\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":137978,"url":"https:\/\/alphastreet.com\/india\/arman-financial-services-limited-q2-fy23-earnings-conference-call-insights\/","url_meta":{"origin":130889,"position":2},"title":"Arman Financial Services Limited Q2 FY23 Earnings Conference Call Insights","author":"Praveen","date":"November 25, 2022","format":false,"excerpt":"Key highlights from Arman Financial Services Limited (ARMANFIN) Q2 FY23 Earnings Concall Q&A Highlights: [00:10:28] Virat with Shah Investments enquired about AUM and disbursement growth target for FY23. Jayendra Patel MD said that typically, ARMANFIN tries to grow between 35-40% CAGR over the long run. So it will be about\u2026","rel":"","context":"In &quot;Concall Highlights&quot;","block_context":{"text":"Concall Highlights","link":"https:\/\/alphastreet.com\/india\/category\/earnings-call-highlights\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":133454,"url":"https:\/\/alphastreet.com\/india\/arman-financial-services-limited-q1-fy23-earnings-conference-call-insights\/","url_meta":{"origin":130889,"position":3},"title":"Arman Financial Services Limited Q1 FY23 Earnings Conference Call Insights","author":"Praveen","date":"August 25, 2022","format":false,"excerpt":"https:\/\/youtu.be\/qnpsnaO_ZzM Key highlights from Arman Financial Services Limited (ARMANFIN) Q1 FY23 Earnings Concall Q&A Highlights: Shubham Ajmera from Soic Ventures asked if the company has increased interest margin for the risky customers during 1Q23 and future plans. Jayendra Patel MD replied that during 1Q23 the rates were increased by about\u2026","rel":"","context":"In &quot;Concall Highlights&quot;","block_context":{"text":"Concall Highlights","link":"https:\/\/alphastreet.com\/india\/category\/earnings-call-highlights\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":142098,"url":"https:\/\/alphastreet.com\/india\/arman-financial-services-limited-armanfin-q3-fy23-earnings-concall-transcript\/","url_meta":{"origin":130889,"position":4},"title":"Arman Financial Services Limited (ARMANFIN) Q3 FY23 Earnings Concall Transcript","author":"IRS_INDIA","date":"February 17, 2023","format":false,"excerpt":"Arman Financial Services Limited (NSE:ARMANFIN) Q3 FY23 Earnings Concall dated Feb. 16, 2023. Corporate Participants: Aalok Patel\u00a0--\u00a0Joint Managing Director Vivek Modi\u00a0--\u00a0Group Chief Financial Officer Analysts: Jignesh Shial\u00a0--\u00a0InCred Equities -- Analyst Amit Mantri\u00a0--\u00a02Point2 Capital -- Analyst Sahil Sharma\u00a0--\u00a0SS Capital -- Analyst Unidentified Participant\u00a0--\u00a0-- Analyst Alok Shah\u00a0--\u00a0Srinath Securities -- Analyst Devendra Pandey\u00a0--\u00a0DP\u2026","rel":"","context":"In &quot;Earnings Call Transcripts&quot;","block_context":{"text":"Earnings Call Transcripts","link":"https:\/\/alphastreet.com\/india\/category\/transcripts\/"},"img":{"alt_text":"Earnings Conference Call Transcript","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/09\/Transcript-thumbnail-e1657213425955.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/09\/Transcript-thumbnail-e1657213425955.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2020\/09\/Transcript-thumbnail-e1657213425955.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":128594,"url":"https:\/\/alphastreet.com\/india\/meghmani-finechem-limited-q4-fy22-earnings-conference-call-insights\/","url_meta":{"origin":130889,"position":5},"title":"Meghmani Finechem Limited Q4 FY22 Earnings Conference Call Insights","author":"Praveen","date":"April 26, 2022","format":false,"excerpt":"https:\/\/youtu.be\/eqk613DQQcc Key highlights from Meghmani Finechem Limited (MFL) Q4 FY22 Earnings Concall Management Update: MFL closed the year with highest ever revenue and PAT of INR1,551 crores and INR253 crores respectively, which is attributed to a volume growth of 20% and higher realization for all the products. Q&A Highlights: Manish\u2026","rel":"","context":"In &quot;Concall Highlights&quot;","block_context":{"text":"Concall Highlights","link":"https:\/\/alphastreet.com\/india\/category\/earnings-call-highlights\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/130889","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/users\/1767"}],"replies":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/comments?post=130889"}],"version-history":[{"count":0,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/130889\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/media\/125416"}],"wp:attachment":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/media?parent=130889"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/categories?post=130889"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/tags?post=130889"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}