1 of 8
Gold AUM doubled in a year. Customers grew about 10% since FY22.
The ticket grew, not the customer base
Public+10%
Gold customers, 24 to 26.5 lakh since FY22. The average ticket rose 133%.
5 to 7 lakh customers leave every year
Dvar estimate19% to 26%
of opening customers a year, from one quarter. We plan on 19% until you share yours.
In Q1 FY27 alone, lakh customers
Joined3.2
Net growth1.5 to 2.0
Left1.2 to 1.7
Four levers add Rs 42 Cr NII a year
Dvar estimateRs 42 Cr
Base case, full run rate, before costs. 38,000 extra customers a year.
NII by lever, Rs Cr a year
Kept at closure12.6
Ahead of a need12.6
Won back11.4
Branch conversion5.7
One customer model runs outreach and the branch
Manappuram data
Loan historyLocal calendarsCall outcomes
Customer model
Learns from your loan history. Picks who, when, which offer and which channel.
Outreach engine
WhatsApp messageSMSGnani callBranch brief
Branch copilot
Visit briefClosure saveLoan sizingRate objectionDaily list
Every outcome feeds back into the model.
- Gnani stays your calling engine. Dvar decides who it calls and what it says.