Aavas Financiers Q2FY26 Earnings Conference Call Transcript
Aavas Financiers announced Q2FY26 earnings call transcript. AUM grew 16% YoY to ₹21,360 cr. Net profit rose 11% YoY to ₹164 cr. The company anticipates 18% AUM growth for the full year.
The earnings call transcript provides detailed insights into the company's financial and operational performance, which is relevant to investors and stakeholders. The positive outlook and growth figures contribute to a medium impact assessment.
The announcement discusses the positive results of Q2FY26, including growth in AUM, net profit, and NIM. The company also anticipates full-year AUM growth of around 18%.
* Aavas Financiers Limited announced the transcript of the earnings conference call for the quarter and half year ended September 30, 2025. * The conference call was held on November 11, 2025, at 6:00 P.M. (IST). * CARE Ratings revised Aavas' long-term rating outlook from 'Stable' to 'Positive'. * AUM grew by 16% year-on-year to ₹21,360 crore (₹213.6 billion). * Net profit for Q2 FY26 grew by 11% YoY to ₹164 crore (₹1.64 billion). * NIMs expanded by 56 bps sequentially to 8.04% during the quarter. * 1+ DPD improved by 16 bps sequentially to 3.99% as of September 2025, while GNPA levels remained stable at 1.24%. * The company disbursed loans worth ₹1,560 crore (₹15.6 billion) during Q2 FY26, registering a 36% sequential and 21% year-on-year growth. * The company now anticipates full-year AUM growth of around 18%. * The borrowing mix as of 30th Sept 2025 comprised of: 50% from term loans , 25% from assignment , 14% from NHB refinancing and 11% from the debt capital markets . * As of 30th Sept 2025, total outstanding borrowings stood at ₹18,687 crore (₹186.87 billion). * The company maintained ample liquidity, including cash and cash equivalents and unavailed CC limits of ₹1,894 crore (₹18.94 billion) and documented unavailed sanctions of ₹2,151 crore (₹21.51 billion) as of September 30, 2025. * The company has a target to reach AUM of ₹55,000 crore by FY30 growing at a CAGR of 23%. * Management Commentary: Sachinder Bhinder, MD, mentioned that operations have normalized, resulting in a strong 36% QoQ and 21% year-on-year growth in disbursements during Q2. He also stated that the company expects this momentum to sustain and further strengthen, entering the second half of the year.
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Aavas Financiers Limited filed this with the NSE as a statutory disclosure, categorised under concall transcript released. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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