Annual Report

The report describes Arman Financial Services' FY2025-26 response to microfinance stress: it separated underwriting from recovery, strengthened borrower verification, and prioritized portfolio quality. It highlights diversification into MSME, individual business, property-backed, and rooftop-solar lending alongside improving collections and lower group impairment charges. The company also reports a community healthcare initiative that conducted 191 camps across five states and reached 23,777 beneficiaries.