Baid Finserv Limited — PPTs, 08-09-2025: Investor Presentation

Baid Finserv reported robust Q1 FY26 financial results. Total Income surged to ₹23.91 Cr from ₹19.35 Cr year-on-year, with Profit After Tax (PAT) growing to ₹4.02 Cr from ₹3.12 Cr. Earnings Per Share (EPS) also rose to ₹0.33. The company’s Assets Under Management (AUM) reached ₹411.18 Cr, primarily driven by MSME/LAP (65.3%) and Vehicle Loans (31.87%). Net NPA remained healthy at 0.81%, supported by a strong 94.24% collection efficiency.

**Growth Drivers or Strategy:** Baid Finserv is strategically expanding its geographical footprint, aiming for 100 branches across four states by FY26 and 125 by March 2027. The company is actively exploring product diversification, including micro housing and two-wheeler loans, alongside co-lending initiatives, to further penetrate underserved markets.

**Recent Developments:** A business partnership agreement with small finance banks has been executed, strengthening lending capabilities. The company is experiencing thriving operations in Madhya Pradesh and Gujarat, with disbursements increasing by 15% month-on-month. Additionally, new branches are slated to open in Maharashtra by Q2 this fiscal year.

**Management Commentary / Outlook:** Management anticipates adding an incremental ₹200 Cr to AUM from MP & Gujarat in FY26, targeting an overall AUM of ₹500 Cr by FY26 and ₹600 Cr by FY27, underlining a clear growth roadmap.