Aavas Financiers Limited — PPTs, 21-07-2026: Investor Presentation

Aavas Financiers delivered a strong Q1FY27. Net profit surged 23% YoY to ₹ 171.3 Cr, driven by a 41% YoY jump in disbursements to ₹ 1,610 Cr, with home loans showing robust 38% YoY growth. Assets Under Management (AUM) expanded 15.4% YoY to ₹ 23,930 Cr, as monthly AUM additions improved by nearly 50%.

Strategically, the company is prioritizing customer acquisition, boosting productivity per resource, and enhancing branch profitability. Significant digital transformation, including AI-led initiatives in underwriting and customer service, has cut loan underwriting time by over 50%, improving operational efficiency.

Recent developments include expanding the branch network to 440 locations and cumulatively funding over 700 green homes, underscoring a commitment to sustainable housing.

Key financial metrics highlight strength: Net Interest Margin (NIM) improved 22 bps YoY to 7.70%, and the Cost-to-Income ratio sharpened by 254 bps YoY to 43.7%. Asset quality remains pristine, with Gross NPA at 1.11% (down 11 bps YoY) and Net NPA at 0.71% (down 13 bps YoY). Diluted EPS rose 23.3% YoY to ₹ 21.5.

Management views Q1FY27 as a solid foundation for the year, committed to disciplined risk architecture and operational efficiency to drive high-teen AUM growth, achieve funding cost leadership, and ensure strong liquidity.