Arman Financial Services, established in 1992, is a seasoned NBFC specializing in affordable, hassle-free financial solutions for India's unorganized and underserved economic segments. The company primarily drives growth through its robust two-wheeler financing and Joint Liability Group (JLG) microfinance segments (via its subsidiary, Namra Finance Limited), effectively catering to niche rural and semi-urban markets. The group has expanded its geographical presence across 10 states with a network of over 400 branches, strategically reducing concentration in its home state of Gujarat.