Manappuram Finance
About Manappuram Finance
Manappuram Finance Limited is one of India’s leading non-banking financial companies (NBFCs), well-known for its pioneering role in the gold loan segment. Headquartered in Thrissur, Kerala, the company has emerged as a trusted financial partner for millions of Indians, offering a wide spectrum of financial services beyond gold loans, including microfinance, housing finance, vehicle loans, and more. With a strong legacy of trust, transparency, and innovation, Manappuram continues to empower individuals and small businesses across urban and rural India.
Rich Legacy and Rapid Growth
Founded in 1949 by V.C. Padmanabhan as a modest money-lending business, Manappuram has grown into a pan-India NBFC with over 5,000 branches across 25 states and union territories. It was incorporated as a public limited company in 1992 and listed on the stock exchanges in 1995. Manappuram has evolved from a gold-centric financier into a diversified financial services group, recognized for its ethical practices and customer-first approach.
Gold Loans – The Core Strength
Gold loans are at the heart of Manappuram’s business. Customers can avail instant loans against their gold ornaments with minimal documentation and fast disbursal. The company offers attractive interest rates, flexible tenures, and secure storage facilities, making it a preferred choice for customers seeking quick liquidity without selling their precious assets.
With over 30 lakh active gold loan customers and state-of-the-art branch infrastructure, Manappuram is a market leader in the segment, bringing convenience and financial freedom to both salaried and self-employed individuals.
Diversified Financial Services
In addition to gold loans, Manappuram Finance has expanded its portfolio to cater to diverse financial needs through its subsidiaries and group companies:
Microfinance
Through its subsidiary Asirvad Microfinance, Manappuram offers microloans to low-income women entrepreneurs. These loans are designed to support small-scale businesses and promote financial inclusion in underbanked communities.
Housing Finance
Manappuram Home Finance Limited provides affordable housing loans to first-time homebuyers, especially in tier-2 and tier-3 cities. The company focuses on economically weaker sections and low-income groups, supporting the government’s “Housing for All” initiative.
Vehicle and Two-Wheeler Loans
Manappuram offers easy and accessible financing for two-wheelers and commercial vehicles. These loans are ideal for daily wage earners, small business owners, and logistics operators who depend on mobility for their livelihood.
SME Loans
To support small and medium enterprises, Manappuram provides working capital and business expansion loans. With flexible terms and fast approvals, the company empowers entrepreneurs to grow their operations with confidence.
Forex and Money Transfer Services
Manappuram also offers foreign exchange and domestic money transfer services, particularly catering to the needs of migrant workers and small traders. These services are available across its extensive branch network.
Digital Transformation
Embracing the digital wave, Manappuram has invested heavily in technology to simplify and secure financial transactions. Through its mobile apps and online platforms, customers can apply for loans, check balances, make payments, and renew gold loans digitally.
The company has introduced AI-based risk assessment, paperless documentation, and biometric authentication to enhance customer convenience and operational efficiency.
Customer-Centric Values
At Manappuram, customer satisfaction is at the core of every service. The company ensures:
Transparent pricing and no hidden charges
Quick loan processing and minimal documentation
Safe and secure handling of customer assets
Personalized services across urban and rural branches
Their team is trained to offer respectful and ethical service, regardless of the customer’s income level or background.
Nationwide Presence
Manappuram’s vast network of over 5,000 branches makes it one of the most accessible NBFCs in India. Its presence in rural and semi-urban regions enables the company to reach unbanked populations, promoting financial inclusion and social upliftment.
With dedicated customer service teams, multilingual support, and community outreach programs, Manappuram ensures that every individual receives timely financial assistance.
Awards and Recognition
Over the years, Manappuram Finance has received numerous awards for excellence in financial services, CSR initiatives, and digital innovation. Its consistent performance and ethical governance have earned it the trust of investors, regulators, and customers alike.
Corporate Social Responsibility
Manappuram Foundation, the CSR arm of the company, focuses on healthcare, education, skill development, and women empowerment. The foundation runs free dialysis centers, scholarships, and vocational training programs across India, demonstrating the company’s commitment to giving back to society.
Why Choose Manappuram Finance?
Trusted legacy with over 70 years of experience
Market leader in gold loans with over ₹30,000 crore AUM
Strong branch network and digital-first services
Transparent practices and ethical business model
Comprehensive financial solutions for every need
Dedicated to financial inclusion and social responsibility
Conclusion
Manappuram Finance is more than just a lender—it is a partner in progress. With its diverse offerings, deep community reach, and digital innovation, the company is redefining access to finance in India. Whether you’re looking for a quick gold loan, a home loan in a small town, or support for your micro-enterprise, Manappuram offers trusted financial solutions tailored to your goals. Backed by tradition, powered by technology, and driven by purpose—Manappuram Finance stands committed to enabling a financially empowered India.