Aavas Financiers to hold 15th AGM on Sep 16, 2025; reports strong FY25 performance with 18% AUM growth
The announcement provides comprehensive financial results for the full fiscal year, outlines the company's strategic direction, digital transformation initiatives, and future growth plans. It also includes the date of the AGM, where these results and future strategies will be discussed with shareholders.
The company reported strong financial performance for FY 2024-25, including significant growth in AUM and PAT, healthy asset quality metrics, a strong capital adequacy ratio, and an improved operating expense ratio. The management's outlook also indicates a clear strategy for future growth and digital transformation.
Aavas Financiers Limited announced that its 15th Annual General Meeting (AGM) will be held on Tuesday, September 16, 2025, at 03:30 P.M. (IST) through Video Conferencing (VC) / Other Audio Visual Means (OAVM). The company also enclosed its Annual Report for the Financial Year 2024-25.
Key highlights from the Annual Report 2024-25: * Financial Performance: * Total revenue stood at ₹2,358 crore. * Profit After Tax (PAT) grew 17% year-on-year to ₹574 crore. * Disbursements increased by 10% to ₹6,123 crore. * Assets Under Management (AUM) crossed ₹20,000 crore, growing 18% to ₹20,420 crore. * Net Interest Margin (NIM) was 7.64% and Spread was 4.89% as of March 31, 2025. * Earnings Per Share (EPS) was ₹72.54. * Asset Quality: * Gross Non-Performing Assets (GNPA) stood at 1.08%. * 1+ Days Past Due (DPD) was 3.39%. * Credit costs improved to 15 basis points from 16 basis points in the previous fiscal. * Capital & Liquidity: * Net worth increased 16% to ₹4,361 crore. * Capital Adequacy Ratio (CRAR) was 44.5%, significantly exceeding regulatory requirements. * Maintained 'AA Stable' long-term credit rating. * Total borrowings stood at ₹17,847 crore. * Operational Efficiency: * Opex-to-assets ratio improved by 26 basis points to 3.32%. * Operates 397 branches across 14 states, serving 2.08 lakh live customers.
Management Commentary: * Chairperson Sandeep Tandon highlighted the company's evolution to Aavas 3.0, focusing on digital transformation and sustainable growth, expecting significant value creation. * MD & CEO Sachinder Bhinder emphasized the company's purpose-driven approach, customer centricity, and strong credit quality. He noted the company's digital transformation efforts, including the rollout of Salesforce, Oracle Flexcube, and Oracle Fusion Cloud. He also mentioned the Green Home Finance Program and welcomed CVC Capital Partners as new Promoters. * Future Guidance: The company plans to deepen its geographic footprint in high-potential markets, optimize channel and product mix, accelerate operational momentum, and expand into newer geographies in South India. Further improvement in the opex-to-assets ratio is expected.
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