Aavas Financiers Q2FY27 PAT at ₹3.5 bn, up 16.4% YoY; AUM crosses ₹248 bn
Aavas Financiers reported H1FY27 PAT of ₹3.5 billion, up 16.4% YoY, with AuM reaching ₹248 billion (16.1% YoY growth). Disbursements grew 30% YoY to ₹35.1 billion in H1FY27. NIM stood at 7.76% and improved to 7.81% in Q2FY27. CEO Manu Singh expressed confidence in reaching ₹500 billion AuM.
The announcement includes key financial results and performance metrics for the quarter and half-year, which are material information for investors.
The company reported strong year-on-year growth in PAT and AuM, along with improved disbursements and asset quality. The CEO's commentary also reflects optimism about future growth.
Aavas Financiers Limited has announced its unaudited financial results for the quarter and half-year ended September 30, 2026. The company reported a Profit After Tax (PAT) of ₹3.5 billion for the half-year ended H1FY27, marking a year-on-year growth of 16.4%. The Assets Under Management (AuM) grew by 16.1% YoY to ₹248 billion as of September 30, 2026.
Disbursements for H1FY27 were ₹35.1 billion, showing a robust 30% YoY growth. In the second quarter of FY27 (Q2FY27), disbursements grew by 21% YoY to ₹18.9 billion. Net Interest Income (NII) for H1FY27 grew by 17% YoY to ₹6.825 billion, contributing to a 16.4% YoY increase in Net Profit.
The Net Interest Margin (NIM) for H1FY27 was 7.76%, while for Q2FY27, it improved to 7.81%. The Cost to Income ratio improved by 195 basis points YoY to 42.9% in H1FY27. Asset quality remained strong, with Gross NPA at 1.11% and Net NPA at 0.70%. The 1+ DPD improved by 18 bps YoY to 3.81% in Q2FY27.
Mr. Manu Singh, Chief Executive Officer, expressed confidence in achieving the next milestone of ₹500 billion in AuM, emphasizing quality growth, sustainable profitability, and prudent underwriting. The company expanded its branch network to 443 across 15 states and added over 21,500 new customers in H1FY27. The company expects to continue its growth trajectory, aiming for over 20% AuM growth over the long term.
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