Manappuram Finance is a well-known non-banking financial company (NBFC) in India, mainly specializing in gold loans. Its share price is influenced by various factors such as gold prices, loan demand, RBI regulations, and market trends. Investors closely watch Manappuram’s stock performance as the company continues to expand its financial services. Manappuram Share Price on 26 February 2025 is 204.70 INR. This article will provide more details on Manappuram Share Price Target 2025, 2026 to 2030.
Manappuram Share Price Chart
Manappuram Share Details
- Open: 205.00
- High: 207.40
- Low: 202.88
- Previous Close: 204.03
- Volume: 10,367,351
- Value (Lacs): 21,246.85
- VWAP: 205.13
- UC Limit: 224.43
- LC Limit: 183.62
- 52 Week High: 230.40
- 52 Week Low: 138.35
- Mkt Cap (Rs. Cr.): 17,346
- Face Value: 2
Manappuram Share Price Target 2025 To 2030
- 2025 – ₹235
- 2026 – ₹260
- 2027 – ₹285
- 2028 – ₹305
- 2029 – ₹330
- 2030 – ₹365
Manappuram Shareholding Pattern
- Promoters: 35.25%
- Mutual Funds: 6.86%
- Foreign Institutions: 27.01%
- Domestic Institutions: 1.02%
- Retail and Other: 29.86%
Major Factors Affecting Manappuram Share Price
Manappuram Finance is one of India’s leading gold loan and non-banking financial companies (NBFCs). Its share price is influenced by several factors. Here are six key reasons why Manappuram’s stock may go up or down:
1. Gold Prices & Demand for Gold Loans
Manappuram’s core business is gold loans. When gold prices rise, people can borrow more money against their gold, increasing the company’s business. However, if gold prices fall, the value of pledged gold decreases, which may affect the company’s profits and share price.
2. Interest Rates & RBI Policies
The Reserve Bank of India (RBI) sets interest rates and policies that affect lending businesses. If RBI increases interest rates, borrowing becomes more expensive, and demand for loans may slow down. On the other hand, lower interest rates make it easier for people to take loans, benefiting Manappuram and supporting its stock price.
3. Loan Repayment & Asset Quality
Manappuram needs customers to repay their loans on time to maintain healthy finances. If too many borrowers fail to repay, the company’s non-performing assets (NPAs) increase, which can negatively impact earnings and the stock price. A strong collection process helps maintain investor confidence.
4. Competition from Other Lenders
Manappuram faces competition from banks, other NBFCs like Muthoot Finance, and new fintech companies offering digital lending services. If competitors provide better interest rates or easier loan approvals, Manappuram may lose market share, affecting its future growth and stock price.
5. Economic Conditions & Market Trends
When the economy is strong, people have more confidence in borrowing and spending, leading to better business for Manappuram. However, during economic slowdowns or financial crises, people may hesitate to take loans, affecting the company’s earnings and stock performance.
6. Company’s Expansion & New Business Strategies
Manappuram is expanding beyond gold loans into microfinance, vehicle loans, and housing finance. If these new businesses grow successfully, investors may see it as a positive sign, pushing the stock price higher. However, if expansion plans face challenges or losses, it could negatively impact investor confidence.
Risks and Challenges for Manappuram Share Price
Manappuram Finance is a well-known gold loan and non-banking financial company (NBFC), but it faces certain risks and challenges that can impact its share price. Here are six key factors investors should consider:
1. Fluctuations in Gold Prices
Manappuram’s main business is gold loans, so its performance is closely linked to gold prices. If gold prices fall sharply, the value of the pledged gold decreases, increasing the risk of losses. This can hurt the company’s earnings and lower investor confidence, impacting the stock price.
2. Regulatory Changes & RBI Policies
The Reserve Bank of India (RBI) sets rules for NBFCs, including loan limits, interest rate caps, and risk management guidelines. If RBI introduces stricter regulations, such as reducing the loan-to-value (LTV) ratio for gold loans, it can limit Manappuram’s ability to lend, affecting its profitability and stock performance.
3. Loan Defaults & Rising NPAs
If customers fail to repay their loans on time, Manappuram’s non-performing assets (NPAs) increase. A high level of NPAs means the company is losing money, which can lead to a decline in investor confidence and a drop in share price. Managing credit risk is crucial for long-term stability.
4. Tough Competition from Other Lenders
Manappuram faces strong competition from banks, other NBFCs like Muthoot Finance, and new fintech startups offering digital lending services. If competitors provide lower interest rates or better loan terms, Manappuram may lose customers, which can slow its growth and affect its stock price.
5. Economic Slowdowns & Market Uncertainty
During economic downturns or financial crises, people borrow less, and existing borrowers may struggle to repay loans. If unemployment rises or household incomes decrease, the demand for loans could fall, affecting Manappuram’s revenue and share price.
6. Cybersecurity & Digital Transformation Risks
As Manappuram expands its digital services, it faces risks like cyberattacks, data breaches, and technology failures. If customers lose trust in the company’s online security, it could impact its reputation and lead to financial losses, affecting investor sentiment and stock performance.
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