Munjal Apna Loan Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook

Fri Apr 24 2026

Munjal Apna Loan Q4 results for FY26 are expected in May 2026. With Q3 FY26 revenue of Rs 28 Cr and PAT of Rs 5 Cr as the base, the street is watching closely for margin trajectory and management guidance on FY27 demand.

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Munjal Apna Loan Q4 FY26 Earnings Preview What to Expect

NBFCs face a mixed Q4 FY26 environment. Gold loan and housing finance businesses are performing strongly while microfinance and unsecured consumer lending face elevated stress. Funding cost management remains the key pivot point for earnings.

Munjal Apna Loan Q4 Results 2026 Date and Key Estimates

Parameter	Q3 FY26 Actual	Q4 FY26 Estimate	YoY Growth
Revenue (Rs Cr)	28	30	+7%
PAT (Rs Cr)	5	6	+20%
EBITDA Margin	—	20.0%	Improvement expected
Results Date	—	May 2026	—
Dividend History	Nil
Dividend Expectation	Nil expected

Estimates based on analyst consensus as of April 2026. Actual results may vary.

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5 Reasons Munjal Apna Loan Q4 Results Could Beat Estimates

Gold Loan Business Growth

Record gold prices and strong rural credit demand are driving exceptional AUM growth for gold-backed lending businesses. Rising gold collateral values also reduce LTV risk and improve portfolio quality, making this the standout NBFC segment for the quarter.

Housing Finance Resilience

Affordable housing loan disbursements remain healthy, backed by PMAY demand and mortgage rates at attractive levels. Rising property prices are lifting average ticket sizes, supporting AUM growth even at flat disbursement volumes.

Digital Lending Efficiency

Technology-enabled underwriting and digital collections are improving turnaround times, reducing credit costs and enabling geographic expansion without proportionate headcount growth.

Rural and Semi-Urban Credit Penetration

Significant unmet credit demand in rural India provides a large structural growth runway for NBFCs with strong distribution networks in smaller towns and districts.

Co-Lending Partnerships

Bank co-lending tie-ups provide lower-cost funding access and enable balance sheet growth without proportionate equity capital, improving return ratios for well-positioned NBFCs.

5 Key Risks to Watch in Munjal Apna Loan Q4 Results

MFI Segment Asset Stress

Microfinance books are showing elevated borrower over-indebtedness and collection efficiency stress, particularly in Southern and Eastern states, which could spike credit costs.

Funding Cost Pressure

Market-linked borrowing costs remain structurally higher than bank deposits, continuously compressing NBFC NIMs and requiring scale to offset margin headwinds.

RBI Regulatory Tightening

New regulations on NBFC lending rates, pricing transparency and collections practices add compliance overhead and may restrict certain high-yield business practices.

Unsecured Book Stress

Consumer lending and personal loan books are showing early stress signals in some income segments, warranting higher provisioning in Q4 for conservative NBFCs.

ALM and Liquidity Risk

Maturity mismatches between short-term borrowings and medium-term loans create funding risk during tight liquidity conditions and can pressure asset-liability management.

Analyst Ratings and Target Price for Munjal Apna Loan

Brokerage	Rating	Key Thesis
Emkay Global	Buy	Gold loan growth and rural credit penetration
ICICI Direct	Neutral	MFI stress weighing on near-term earnings
JM Financial	Buy	Diversified portfolio and digital efficiency gains

Analyst ratings are for informational purposes only. Not investment advice.

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Frequently Asked Questions Munjal Apna Loan Q4 Results 2026

Q: When will Munjal Apna Loan announce Q4 FY26 results?

Munjal Apna Loan is expected to announce Q4 FY26 results in May 2026. Track the exact date on Univest Screener.

Q: What revenue is expected for Munjal Apna Loan Q4 FY26?

Analyst consensus estimates Munjal Apna Loan Q4 FY26 revenue at approximately Rs 30 Cr, representing approximately 7% year-on-year growth.

Q: What PAT is expected for Munjal Apna Loan in Q4 FY26?

Estimated PAT for Munjal Apna Loan Q4 FY26 is approximately Rs 6 Cr, up approximately 20% year-on-year.

Q: Will Munjal Apna Loan declare a dividend in Q4 FY26?

Historical dividend pattern: Nil. Q4 FY26 expectation: Nil expected.

Q: What is the current share price of Munjal Apna Loan?

Munjal Apna Loan (MUNJALOAN) is currently trading at approximately Rs 52 with a market capitalisation of Rs 285 Cr. Track live on Univest Screener.

Q: Is Munjal Apna Loan a buy before Q4 results?

This article does not constitute investment advice. Consult a SEBI-registered financial advisor before making any investment decision.

Disclaimer: Investments in securities are subject to market risk. This content is for educational purposes only and does not constitute investment advice. SEBI Registration: INH000012449.