Aavas Financiers Limited — Investor Meet, 19-08-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Aavas Financiers Q1FY26: AUM grew 16% YoY to ₹20,700 Cr, Net Profit up 10% to ₹140 Cr. Spreads at 5.11%, NIMs at 7.48%. Disbursements of ₹1,150 Cr impacted by new realization model, but July saw 16% YoY recovery. Full-year AUM growth targeted 18-20%. Asset quality (1+ DPD 4.15%, GNPA 1.22%) saw seasonal Q1 uptick, now normalizing. Cost of borrowing declined. Expanding to Tamil Nadu and digital partners. Confident outlook, balancing growth with strict risk management.