Q3 2025 Apollo Finvest (India) Ltd Earnings Call Transcript
Key Points
- Apollo Finvest (India) Ltd (BOM:512437) has successfully doubled its Assets Under Management (AUM) to INR85 crore compared to the same quarter last year, indicating strong growth.
- The company has developed innovative AI-driven tools such as 'Apollo Intelligence' and 'Senti' for sentiment analysis, enhancing operational efficiency and risk management.
- Apollo Finvest has secured significant fundraising efforts with sanctions close to INR81 crore, providing a strong financial foundation for future growth.
- The company is leveraging AI to improve its credit risk algorithms, allowing for more accurate risk assessment and potentially expanding its customer base.
- Apollo Finvest is focusing on vertical integration and bringing technology in-house, which could lead to cost efficiencies and improved accuracy in operations.
- Despite increased revenue, Apollo Finvest's net profit has decreased due to higher provisioning and commission expenses, impacting overall profitability.
- The company has faced challenges due to RBI regulations, which have led to the termination of some co-lending partnerships, affecting business operations.
- There is a reliance on a limited number of partners, which could pose a risk if any of these partnerships face issues or fail to meet expectations.
- The company's strategy of focusing on unsecured loans under INR2 lakh may limit its market reach and diversification opportunities.
- Apollo Finvest's growth strategy is cautious, prioritizing ROE over aggressive expansion, which may slow down potential market capture.
Hi, all. A very good morning. Thank you for taking the time to join us today. We're very glad to have all of our current and prospective investors here with us. I'm Ananya and I work in the founder's office on the strategy and Partnerships front. This past quarter Three of the financial year '24 to '25. Has been very exciting and transformative.
We've made significant slides, especially in terms of business strategy and, tech, and we're very excited to share all of the updates with you. To walk you through the key highlights and details, I'm now going to hand it over to Diksha, our whole-time director and CFO, and Mill, our MD and CO.
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Hello, everyone. Hi, good morning. So happy to see you all here. I will request that to start the presentation and then we'll take you through it.
Okay, so let's start in the first slide, okay. Great. So, these are the key highlights of our financial results and happy to take you through it more
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