Aavas Financiers Limited — PPTs, 11-11-2025: Investor Presentation

Aavas Financiers has released its investor presentation covering the financial results for the quarter and half-year ended September 30, 2025.

The company posted a strong performance with Assets Under Management (AUM) growing 16% year-on-year to ₹ 21,356.6 Cr. Disbursements in Q2 FY26 rose 21% YoY to ₹ 1,559.9 Cr. Profit After Tax (PAT) for Q2 FY26 increased 11% to ₹ 164.4 Cr, with H1 FY26 PAT at ₹ 303.6 Cr. Net Interest Margin (NIM) expanded to 8.04% and Spread to 5.23%. Asset quality remains robust, with Gross Non-Performing Assets (GNPA) at 1.24% and a lifetime write-off of only 11 bps.

Aavas is actively driving growth through significant technology transformation, including new loan origination, management, and ERP systems. These digital initiatives have boosted digital-led business to ₹ 150 Cr in H1 FY26 and reduced loan sanction turnaround time to 6 days. The company emphasizes its in-house execution model and diversified portfolio, with 84% of loans below ₹ 1.5 million and strong presence in Tier 3+ towns. Management remains focused on leveraging technology for sustainable growth and maintaining strong corporate governance, supported by its AA/Positive credit rating.