Aavas Financiers Limited — PPTs, 05-05-2026: Investor Presentation

AAVAS Financiers concluded FY26 with robust performance: Assets Under Management (AUM) reached ₹ 23,450 Cr, marking a 15% YoY growth. Q4FY26 disbursements surged 16% YoY to ₹ 2,348.1 Cr, driving full-year disbursements to ₹ 6,780 Cr. Profit After Tax (PAT) for FY26 climbed 14% to ₹ 655.6 Cr, with Q4 PAT up 18% YoY to ₹ 181.7 Cr. Asset quality remains strong, reflected by a Gross NPA of 1.05% and Net NPA of 0.68%, alongside an improved 1+ DPD of 3.17%.

The company's expansion strategy includes 435 branches across 15 states/UTs, with over 80% in Tier 3+ towns, backed by significant tech investments for scalable operations. FY26 saw key milestones: Balance Sheet crossed ₹ 20,000 Cr, Net Worth surpassed ₹ 5,000 Cr, and lifetime disbursements exceeded ₹ 40,000 Cr, serving over 4 lakh families. Funding commitments of ~₹ 980 Cr from ADB and ~₹ 500 Cr via AAA-rated PTCs were secured, with its credit rating outlook upgraded to 'Positive'.

Key financial metrics show Net Interest Margin (NIM) for FY26 improving to 7.93% and Spread at 5.20%. Return on Assets (RoA) stood at 3.29% and Return on Equity (RoE) at 13.93%. Management underscored a disciplined risk architecture and ongoing technology investment to drive quality growth.