Arman Financial Services Limited - Asset Resilience Ratio

Latest as of September 2025: 35.70%

Arman Financial Services Limited (ARMANFIN) has an Asset Resilience Ratio of 35.70% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check asset allocation strategy of Arman Financial Services Limited to assess the company's strategic physical and investment asset allocation.

Liquid Assets

Rs7.68 Billion

≈ $83.10 Million USD Cash + Short-term Investments

Total Assets

Rs21.53 Billion

≈ $232.79 Million USD All company assets

Resilience Assessment

Very High

Financial Resilience Level

Asset Resilience Ratio Trend (2007–2025)

This chart shows how Arman Financial Services Limited's Asset Resilience Ratio has changed over time. See ARMANFIN net asset quality index to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down Arman Financial Services Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see ARMANFIN company net worth.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rs4.45 Billion	20.67%
Short-term Investments	Rs3.24 Billion	15.03%
Total Liquid Assets	Rs7.68 Billion	35.70%

Asset Resilience Insights

Very High Liquidity: Arman Financial Services Limited maintains exceptional liquid asset reserves at 35.70% of total assets.
This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
The company primarily holds liquidity in cash and equivalents rather than short-term investments.

Arman Financial Services Limited Industry Peers by Asset Resilience Ratio

Compare Arman Financial Services Limited's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Vardhman Holdings Limited NSE:VHL	Credit Services	0.03%
Five-Star Business Finance Limited NSE:FIVESTAR	Credit Services	4.49%
Capri Global Capital Limited NSE:CGCL	Credit Services	0.13%
Srisawad Power 1979 PCL BK:SAWAD	Credit Services	0.98%
Navient Corp NASDAQ:NAVI	Credit Services	3.09%
Hexa Tradex Limited NSE:HEXATRADEX	Credit Services	0.09%
Qliro AB ST:QLIRO	Credit Services	20.36%
Starteck Finance Limited NSE:STARTECK	Credit Services	0.02%

Annual Asset Resilience Ratio for Arman Financial Services Limited (2007–2025)

The table below shows the annual Asset Resilience Ratio data for Arman Financial Services Limited.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-03-31	17.25%	Rs3.84 Billion ≈ $41.55 Million	Rs22.27 Billion ≈ $240.88 Million	+1.57pp
2024-03-31	15.68%	Rs4.13 Billion ≈ $44.68 Million	Rs26.35 Billion ≈ $284.97 Million	-23.97pp
2023-03-31	39.64%	Rs8.08 Billion ≈ $87.38 Million	Rs20.38 Billion ≈ $220.42 Million	+28.94pp
2022-03-31	10.70%	Rs1.33 Billion ≈ $14.37 Million	Rs12.41 Billion ≈ $134.25 Million	-4.93pp
2021-03-31	15.63%	Rs1.47 Billion ≈ $15.89 Million	Rs9.40 Billion ≈ $101.67 Million	+6.08pp
2020-03-31	9.55%	Rs856.22 Million ≈ $9.26 Million	Rs8.96 Billion ≈ $96.92 Million	+24.96pp
2019-03-31	-15.40%	Rs-1.08 Billion ≈ $-11.64 Million	Rs6.99 Billion ≈ $75.55 Million	-2.82pp
2018-03-31	-12.59%	Rs-583.95 Million ≈ $-6.32 Million	Rs4.64 Billion ≈ $50.18 Million	-10.04pp
2017-03-31	-2.54%	Rs-54.77 Million ≈ $-592.27K	Rs2.15 Billion ≈ $23.28 Million	+10.90pp
2016-03-31	-13.45%	Rs-262.56 Million ≈ $-2.84 Million	Rs1.95 Billion ≈ $21.12 Million	-13.60pp
2012-03-31	0.15%	Rs1.00 Million ≈ $10.81K	Rs651.81 Million ≈ $7.05 Million	-3.05pp
2007-03-31	3.21%	Rs4.94 Million ≈ $53.43K	Rs154.13 Million ≈ $1.67 Million	--

pp = percentage points

About Arman Financial Services Limited

NSE:ARMANFIN India Credit Services

Market Cap

$192.84 Million

Rs17.83 Billion INR

Market Cap Rank

#16777 Global

#873 in India

Share Price

Rs1696.10

Change (1 day)

+2.39%

52-Week Range

Rs1339.20 - Rs1878.40

All Time High

Rs2641.45