AAVAS Financiers Ltd (NSE:AAVAS)

Q1 2026 Aavas Financiers Ltd Earnings Call Transcript

Aug 12, 2025 / 12:30 PM GMT

Release Date Price: ₹1727.5 (+0.83%)

Transcript

Key Points

Positve

AAVAS Financiers Ltd (BOM:541988) successfully concluded a change in promoter process, welcoming CBC Capital Partners, which is expected to accelerate growth and innovation.
The company reported a 16% year-over-year growth in assets under management (AUM), reaching INR 207 billion.
Net profit for Q1 FY26 grew by 10% year-over-year to INR 1.4 billion, driven by a 16% year-over-year growth in net interest income.
AAVAS Financiers Ltd (BOM:541988) maintained best-in-class credit metrics, with gross non-performing assets (GNPA) at 1.22% and net stage 3 assets at 0.84%.
The company has successfully empaneled digital partners, contributing to a robust and diverse lead generation pipeline, and plans to open 10 new branches in Tamil Nadu.

Negative

The transition to a realization-based model for disbursement recognition impacted the disbursement ratio, leading to a softer disbursement quarter.
There was a 75 basis point increase in one-day past due (DPD) levels, attributed to seasonal factors, though it showed signs of normalization in July.
Employee expenses have increased due to higher staffing at branches, impacting operational efficiency.
The company faces challenges in certain geographies like Maharashtra, Madhya Pradesh, and Karnataka, where delinquency rates have spiked.
Despite the positive outlook, the company remains cautious about potential asset quality pressures in specific customer segments and geographies.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

AVAS.NS - Aavas Financiers Ltd
Q1 2026 Aavas Financiers Ltd Earnings Call
Aug 12, 2025 / 12:30PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Aas Finances Limited Q1 F 526 and its conference call.

This conference call may contain forward-looking statements about the company which are based on the beliefs, opinions, and expectations of the company as on date of this call. These statements are not the guarantees of future performance involve risks and uncertainties that are difficult to predict.

As a reminder, all participant lines will be the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing 0 on attached in phone. Please note that this conference is been

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