Q3 2025 Aavas Financiers Ltd Earnings Call Transcript
Key Points
- AAVAS Financiers Ltd (BOM:541988) reported a strong AUM growth of 20% year-over-year, reaching INR 192 billion.
- The company achieved a 17% year-over-year increase in loan disbursements, totaling INR 16 billion for Q3 FY '25.
- Net profit for the 9 months of FY '25 grew by 21% year-over-year to INR 4.2 billion.
- The company successfully raised INR 6.3 billion through NCDs from IFC, marking the largest NCD raised by the company to date.
- Asset quality remains strong with NPAs at 1.14% and credit costs improving to 15 bps for the 9-month period of FY '25.
- There was a marginal increase in gross NPAs due to seasonal factors, raising concerns about asset quality.
- The cost of borrowing increased by 9 basis points in the quarter, impacting overall financial performance.
- The company faces challenges in maintaining its asset quality amidst a competitive environment and macroeconomic uncertainties.
- There is a noted increase in ticket size for disbursements, which may indicate rising real estate prices affecting affordability.
- The company is experiencing pressure from competitive intensity, which could impact future yield expansion.
Ladies and gentlemen, good day, and welcome to the Aavas Financial Limited Q3 FY '25 earnings conference call.
This conference call may contain forward-looking statements about the company, which are based on the beliefs, opinions and expectation of the company as on date of this call. These statements are not guarantees of future performance and involves risks and uncertainties that are difficult to detect.
(Operator Instructions)
I now hand the conference over to Mr. Rakesh Shinde, Head, Investor Relations of Aavas Financial Limited. Thank you, and over to you, sir.
Thank you, Steve. Good evening, everyone. I extend a very warm welcome to all participants. Thank you for participating in the earnings call to discuss the performance of our company for quarter 3 and 9 months FY '25 and the business outlook going forward.
The results and the presentation are available on the stock exchanges. We have also uploaded the fact sheet along with our results on our
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