MAS Financial Services Limited — PPTs, 29-07-2026: Investor Presentation

MAS Financial reported a strong Q1FY27.

**Business Performance:** Standalone Assets Under Management (AUM) grew 21.13% year-over-year (YoY) to ₹15,146.7 Cr. Net Interest Income (NII) jumped 29.58% YoY to ₹307.9 Cr, while Profit After Tax (PAT) surged 24.67% YoY to ₹104.6 Cr. Its housing finance subsidiary, MRHMFL, also saw AUM rise 22.94% YoY to ₹976 Cr, with PAT up 54.87% YoY to ₹4.3 Cr. Asset quality remains healthy, with Net Stage 3 assets at 1.70% (standalone).

**Growth Drivers & Strategy:** The company plans 20-25% AUM growth over the medium term, driven by Housing, SME, and Wheels segments. Digitalization with 50+ APIs and future AI/BRE integration is a key focus for efficiency. They aim for an annual Return on Assets (ROA) of 2.75-3.00% and Return on Equity (ROE) of 16-18%.

**Recent Developments:** Standalone PAT for Q1FY27 crossed ₹100 Cr, and consolidated AUM surpassed ₹15,000 Cr. The company received RBI approval for factoring business and its ESG rating was upgraded.

**Key Financial Metrics:** Strong capitalization with a Total CRAR of 23.25% (Tier-I at 21.94%).

**Management Outlook:** MAS Financial emphasizes its diversified product mix, strong distribution network, robust liability management with substantial cash reserves, and commitment to high asset quality and consistent growth.