Aavas Financiers Limited has informed the Exchange about Transcript of the Earnings Conference Call for the Quarter and Financial Year Ended March 31, 2025.
AAVAS · price
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Aavas Financiers crossed the INR 200 bn mark in Assets under Management (AuM), reaching INR 204 bn with 18% YoY growth. FY25 net profit grew 17% YoY to INR 5.74 bn, while Q4FY25 net profit rose 8% YoY to INR 1.54 bn. Disbursements hit a record INR 20 bn in Q4 (highest ever) with FY25 total disbursements of INR 61.2 bn. Spreads improved 15 bps sequentially to 5.87% and reported NIMs expanded 37 bps to 8.11%, with opex-to-asset ratio falling 26 bps to 3.32% (meeting guided 25 bps reduction). Asset quality remained pristine with GNPA at 1.08%, 1+DPD at 3.39%, and credit costs at 15 bps. The company raised INR 61.8 bn at 8.42% in FY25 and holds a strong CRAR of 44.5% with net worth of INR 43.61 bn.
Strong operational performance and milestone AuM crossing reinforce investor confidence. Management's ambitious 5-year target of INR 500 bn AuM and roadmap to return to 5%+ spreads signal sustained growth runway, likely to be viewed positively by shareholders.