Aavas Financiers has released its unaudited financial results for the quarter and half-year ended September 30, 2025. The results showcase a 16% increase in Assets Under Management (AUM) to ₹213.6 bn and a 21% rise in disbursement to ₹15.59 bn. The company maintains a strong retail loan focus at 99.5%. Profit After Tax (PAT) increased by 11% to ₹1,644 mn for the quarter.
Financial Performance Highlights
Aavas Financiers reported strong financial performance, as highlighted in their latest unaudited results. Key indicators demonstrate growth and stability:
- Assets Under Management (AUM): Increased by 16% to ₹213,566 mn compared to the previous year.
- Disbursement: Up by 21%, reaching ₹15,599 mn.
- Profit After Tax (PAT): Saw an 11% increase, totaling ₹1,644 mn.
Key Financial Ratios
The report also provided updates on critical financial ratios, reflecting efficient operations:
- Spread: Increased to 5.23%, a +34 bps change.
- Net Interest Margin (NIM): Improved to 8.04%, an increase of +26 bps.
Portfolio and Operational Metrics
Aavas Financiers continues to focus on retail lending and maintain a strong operational footprint:
- Retail Loans: Comprise 99.5% of the portfolio.
- Home Loans (HL) vs. Non-Home Loans (NHL): The portfolio consists of 67% HL and 33% NHL.
- Branch Network: Includes 405 branches, with over 80% located in Tier 3+ cities.
Asset Quality
The company maintains robust asset quality:
- Gross Non-Performing Assets (GNPA): Stood at 1.24%.
- Net Non-Performing Assets (NNPA): Reported at 0.85%.
Capital Adequacy and Borrowings
Aavas Financiers exhibits strong capital adequacy and diversified funding sources:
- Capital Adequacy Ratio (CRAR): Maintained at a healthy 46.42%.
- Increased Borrowings: Totaled ₹30.99 bn with a rate of 7.82%.
- Number of Lenders: The company works with over 35 lenders.
Source: BSE
