Information only
Manappuram Finance is a non-banking financial company (NBFC), regulated by the Reserve Bank of India (RBI). It is a lender mainly known for gold loans. Its registered office is at Manappuram House, Valapad, Thrissur, Kerala. Unlike a bank, an NBFC cannot take demand deposits such as savings or current accounts, so a loan from it is not a bank loan even though it works in a similar way.
Loans it offers
Loans listed for Manappuram Finance
| Loan | What to know |
|---|---|
| Home loans | Offered through its group, alongside its gold lending. |
| Loans against property | Secured on a property you own; the amount depends on the lender's valuation and your repayment capacity. |
| Business and MSME loans | Serves small business owners; a group company, Asirvad, does microfinance. |
| Gold loans | Its core business. RBI has no separate gold-loan NBFC category; such lenders are ordinary NBFCs. |
LOANZ 360 explains how each of these loan types works: home loans, loans against property, business and MSME loans, gold loans. Its microfinance subsidiary Asirvad Micro Finance and its housing subsidiary Manappuram Home Finance are part of the same group.
Key facts
| Fact | Detail |
|---|---|
| Regulator category and layer | NBFC. Not named in RBI's upper layer list of 6 August 2026. |
| Registered office | Valapad, Thrissur, Kerala |
| Ownership | Bain Capital received RBI approval for joint control in early 2026; its open offer for up to 26% was scheduled for 6 to 20 April 2026 |
As of 8 November 2026, Bain Capital has joint control of Manappuram Finance after RBI approval in 2026 and a mandatory open offer in April 2026. RBI publishes the upper layer list each year, so a lender's layer can change. See the RBI press release of 6 August 2026.
Before you apply
- Ask for the Key Fact Statement (KFS) before you accept an offer. It shows the annual percentage rate (APR), all charges and the repayment schedule in one place.
- Compare the APR, not just the stated interest rate, because processing and other charges set by the lender change the real cost.
- Check the lender's processing fee, foreclosure and part-payment terms, and penal charges. These are set by the lender.
- Read the sanction letter for the name of the legal entity that is lending, as group companies often have similar names.
- Check your credit score (CIBIL or another bureau) and your existing EMIs first. Checking your own score does not lower it.
- Apply only where you are likely to qualify. Too many lender checks in a short time can lower your score.
You can see current rates on the interest rates page and estimate repayments with the EMI calculator. The label on this page that shows whether LOANZ 360 works with this lender or only gives information is drawn from our live records. To see how lenders are shown, read how we rank offers and the lending partners page.
Manappuram Finance’s own website
Last updated 12 Nov 2026