Wednesday, July 27, 2016


Dear friends,


  In recent year micro finance sector is favourite  sector for FII and HNI investors, I have recommended SATIN @ 300 level now stock near to 700 !!!. Now today we are looking into one more stock in this sector for portfolio  investments.

Arman Financial Services Limited (ASFL) ‘A’ Non-Banking Finance Company – Asset Finance Company (NBFC-AFC) with rural and semi-rural financing at the center of its business model, Arman provides affordable financing with simple, no-hassle loan products. AFSL and its sister concerns offer two major financial services: Two-wheeler and three-wheeler finance and Group-Based Microfinance, offered by Namra Finance Ltd – a wholly-owned subsidiary of AFSL. Namra Finance is a RBI Registered NBFC-Microfinance Institution (MFI).


By enabling affordable personal mobility via two-wheeler and three-wheeler financing, Arman promises a better life to the middle-class and emerging middle-class, and helps families move up the economic ladder. By offering small ticket income generating loans to bottom of pyramid customers, it offers poor house-hold to increase their income and drastically enhance their livelihood. 


 With over a decade of lending experience in Western India serving areas and clients where it is not possible for the banks to provide financial services under the current market scenario. This distinctive characteristic of the last mile credit delivery system separates Arman from a bank and/or other NBFCs.


 Arman financial posted 42 cr top line and 8 cr bottom line in 2015-16 financial year, all micro finance company's posted stellar set of results in June 2016 quarter, expecting  this company is also posting good set of results. Arman is growing around 30 % in annual  basis and HNI are searching new stocks for this sector is more benefit for this stock. Almost all  micro finance stocks are doubled in last one month, this stock is just moved 35 %, so investor can buy this stock @ current price and hold for long term this stock may cross 4 digit mark in future!!!. Stock trading both NSE and BSE @ 295 level.

Latest management interview HERE

Before buying any stock take advice from certified person.

Disclosure :- I am holding this company shares.





  1. Sir, Is there a way to know the status of the proof of concept phase which is handle by MIC electronics as seem its six month time frame would end next month.
    Also does this mean that the orders which is pegged at 2000crs will be tendered after completion of this proof of concept phase? Thank you for your guidance.

    1. Please ask company secretary for this matter.

    2. Thank you for your reply sir

  2. Sir please comment on ujjivan financial

  3. You always come with stocks which really gives confidence to an investor.

  4. Sir, How do I subscribe to your blog thru email ? Unable to figure it out. Please advise.


  5. Valuable gem, any view on Indian terrain fashions?

  6. Replies
    1. I don't find any negative in this results, but market always react against what majority peoples thinking !!! Patience will always pays.

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  8. Sir, is this good price of Filatex India to enter ??

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