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Aavas Financiers Limited's audited financial results for FY25 reveal solid growth, with Assets Under Management (AUM) reaching Rs. 204 bn, an 18% YoY increase. Net Profit climbed 17% YoY to Rs. 5.74 bn, driven by operational improvements and a positive interest margin performance. Disbursements saw a 10% YoY rise to Rs. 61.23 bn, with Q4 disbursements surging 27% QoQ to Rs. 20.2 bn.
The company's asset quality remains strong, with Gross Stage 3 assets at 1.08% and 1+ days Past Due (DPD) at 3.39%. Aavas maintained a stable Return on Assets (ROA) of 3.27% and improved Return on Equity (ROE) to 14.12%. The operating expense ratio benefited from cost optimisation, improving to 3.32%.
Looking ahead, the strategic focus on expanding branch locations—now at 397—coupled with advancements in technology, positions Aavas to leverage growth opportunities in the affordable housing sector, suggesting a positive outlook for investors.