Investor Presentation with respect to Audited Financial Results for the Quarter and Financial Year ended March 31, 2025
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Awaiting price reaction for this filing.
Star Housing Finance Ltd shared its FY25 investor deck highlighting strong business growth. Assets Under Management rose 22% YoY to Rs. 520.70 crs, driven by 5,226 live accounts and an average loan ticket size of Rs. 10 lakhs. Profit After Tax grew 25% to Rs. 11.10 crs, while Net Interest Income expanded to Rs. 32.94 crs with NIM at 7.69%. Total income jumped 54% to Rs. 94.96 crs, though GNPA inched up to 1.84% from 1.50% and NNPA rose to 1.40% from 1.02%. Borrowings increased 26% to Rs. 403.81 crs and leverage stood at 2.81x, with the company also completing its first direct assignment of Rs. 55.83 crs.
Positive growth in AUM, PAT and NIM signals steady scaling of the affordable housing finance business, though slight uptick in NPAs and rising leverage warrant monitoring. For retail investors, this reflects an improving small-cap HFC with growing PSU bank funding ties and a reasonable 7.69% NIM.