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Investor Relations14 Oct 2025
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Aavas Financiers Limited (AAVAS) investor relations material
Aavas Financiers Limited Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary12 Aug, 2025
Executive summary
Q1 FY26 marked a pivotal quarter with the successful transition of promoter to CVC Capital Partners and Aquilo House Pte. Ltd., reinforcing confidence in growth, governance, and strategic direction.
Assets under management reached ₹207.4 billion as of June 2025, with 99.5% retail loans and 84% of loans under ₹1.5 million ticket size.
PAT for Q1FY26 was ₹1,392 million, up 10% YoY, with 397 branches across 14 states/UTs and a strong presence in tier 3+ towns.
60% of the loan book is self-employed customers, and 67% of AUM is housing loans.
Major technology transformation completed, including migration to core banking LMS and digital agreements, driving operational efficiency and customer engagement.
Financial highlights
AUM grew 16% YoY to ₹207.4 billion; Q1 disbursements totaled ₹11.5 billion, with a temporary 5% decline due to a one-time change in recognition.
Net profit rose 10% YoY to ₹1.4 billion, driven by 16% YoY NII growth and improved spreads.
Net interest margin improved to 7.48% (+17 bps YoY); spread increased to 5.11% (+11 bps YoY).
Gross NPA at 1.22%, net NPA at 0.84%, and provision coverage ratio at 57.46%.
Operating expenses rose 19.8% YoY; cost-to-income ratio at 45.2%.
Outlook and guidance
Full-year AUM growth expected in the 18–20% range, with normalization of disbursements from Q2 onward.
Confident of double-digit disbursement growth in coming quarters, with long-term AUM growth guidance of 20–25% post-FY26.
Credit cost guidance maintained below 25 bps on a sustainable basis.
Management continues to focus on technology-led growth, operating leverage, and expanding in tier 3+ geographies.
Pristine asset quality and robust capital base position the company for sustainable growth.
Quantify Q1 disbursement impact from new model
Key drivers of Q1 asset quality uptick?
OpEx efficiency with new branch/channel staff?
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Next Aavas Financiers Limited earnings date
Q2 25/266 Nov, 2025
Next Aavas Financiers Limited earnings date
Q2 25/266 Nov, 2025
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Frequently asked questions
Aavas Financiers Limited is a non-banking financial company (NBFC) specializing in housing finance. The company provides home loans, loan against property, and affordable housing finance solutions, primarily targeting low- and middle-income customers in semi-urban and rural areas. Aavas Financiers focuses on customized loan offerings, digital lending platforms, and financial inclusion. The company is headquartered in Jaipur, India, and its shares are listed on the BSE.
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