Baid Finserv Limited — PPTs, 10-12-2024: Investor Presentation

**Financial Highlights:** Baid Finserv Limited reported a total income of ₹39.06 Cr for Q2 FY25, up from ₹33.57 Cr in Q2 FY24. EBITDA slightly decreased to ₹21.87 Cr from ₹21.96 Cr, reflecting ongoing operational adjustments. However, net profit saw a notable decline, dropping to ₹5.08 Cr compared to ₹8.17 Cr in the same quarter of the previous year, indicating increased finance costs and other expenses impacting profitability.

**Strategic Initiatives and Growth Drivers:** The company is expanding its operational footprint into Madhya Pradesh, aiming for incremental AUM growth of ₹100 Cr by FY26. Baid Finserv plans to establish new branches in Maharashtra by the end of Q4 FY25, enhancing access to financial products in underbanked regions.

**Business Developments:** In Q2 FY25, Baid Finserv disbursed ₹87.56 Cr, showcasing solid collection efficiency of 94.76%, despite reporting a net NPA ratio of 0.26%. This positions the company favorably among its competitors by effectively managing asset quality.

**Market Position and Competitive Advantage:** With over 50,000 clients and a robust AUM of ₹382 Cr, Baid Finserv is well-positioned in the MSME and vehicle loan segments. The focus on rural and semi-urban markets allows for substantial growth as financial inclusion ramps up in these areas.

**Investor Implications:** The decline in net profit warrants attention, but ongoing expansion and a diversified product portfolio suggest potential for recovery. Investors should monitor key upcoming initiatives targeting an AUM of ₹500 Cr by FY25 as an indicator of growth trajectory in this evolving market landscape.