Asset Liability Management (ALM) Statement as on September 30, 2025.
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Aavas Financiers filed its half-yearly Asset Liability Management (ALM) statement with BSE on November 14, 2025, as required under the SEBI Master Circular for Commercial Paper listing. The same statement was also filed with the National Housing Bank on the same day. The structural liquidity position shows total inflows of ₹27,027.61 crore against total outflows of ₹23,592.21 crore, yielding a positive mismatch of ₹3,435.40 crore, with positive cumulative mismatches in all time buckets up to 5 years. Total borrowings stand at ₹15,158.08 crore (largely term money borrowings of ₹11,879.70 crore), while performing advances amount to ₹24,039.61 crore and equity plus reserves stand at ₹4,679.87 crore. The interest rate sensitivity statement shows a slight overall negative mismatch of ₹581.78 crore, with a heavy mix of floating-rate rupee term loans (₹11,832.98 crore) compared to fixed-rate loans (₹4,718.45 crore).
This is a routine regulatory disclosure and does not signal any event-driven change; it indicates the company maintains a healthy short-to-medium term liquidity buffer with inflows covering outflows comfortably, though retail investors should note the significant floating-rate asset exposure which could affect margins with rate movements.