MAS Financial Services Limited — PPTs, 05-11-2025: Investor Presentation

MAS Financial delivered a strong Q2 FY26. Assets Under Management (AUM) jumped 18% YoY to ₹12,999.4 Cr. Profit After Tax (PAT) grew 17.15% YoY to ₹89.7 Cr, with Net Interest Income (NII) up 28.97% YoY to ₹247.1 Cr. Total Revenue rose 25.09% YoY to ₹458.6 Cr. Key growth came from Salaried Personal Loans (+71.35% YoY) and Two-Wheeler Loans (+29.83% YoY). Subsidiary MRHMFL's AUM also grew 23.65% YoY to ₹821.7 Cr.

The company focuses on expanding its credit distribution through branches and 211 NBFC partners. Housing, SME, and Wheels loans are strategic growth areas. Digitalization efforts, including 50+ API integrations and future AI/BRE plans, are enhancing operational efficiency. MAS Financial recently won the FE CFO Award, and MRHMFL received NHB recognition for its contribution to housing finance for the Economically Weaker Section.

Asset quality remains robust with Net Stage 3 assets at 1.69%. Capital Adequacy Ratio stands strong at 24.57% (Tier-I 22.71%). Management aims for 20-25% AUM growth, ROA of 2.75-3.00%, and ROE of 16-18% over the medium-to-long term, while maintaining Net Stage 3 assets below 2%.