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Aptus Value Housing Finance India Results: Latest Quarterly Results & Analysis

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Aptus Value Housing Finance India Ltd. 31 Oct 2025 14:46 PM
Result PDF

Q2FY26 Quarterly Result Announced for Aptus Value Housing Finance India Ltd.

Housing Finance company Aptus Value Housing Finance India announced Q2FY26 results

  • AUM as of Q2FY26 at Rs 11,767 crore, growth of 22% YoY and 4% QoQ.
  • Total Income for Q2FY26 at Rs 554 crore, growth of 27% YoY and 4% QoQ.
  • Net Income Margin for Q2FY26 at Rs 389 crore, growth of 27% YoY and 5% QoQ.
  • Net Profit for Q2FY26 at Rs 227 crore, growth of 24% YoY and 3% QoQ.
  • Net Profit for H1FY26 at Rs 446 crore, growth of 26% YoY.
  • The RoA/RoE for Q2FY26 came in at 7.9%/20.0%, amongst the best in the industry.
  • Our long-term credit rating was upgraded to [ICRA]AA (Stable), with both ICRA and CARE now rating us AA (Stable).
  • The Board of Directors have declared an interim dividend of Rs 2 per equity share.

P. Balaji, Managing Director, said: “Q2FY26 was a resilient quarter for Aptus, driven by consistent growth, strong profitability, and effective portfolio management. Disbursements grew 24% QoQ to Rs 963 crore in Q2FY26, supported by steady demand. AUM increased 22% YoY to Rs 11,767 crore.

We expanded our network to 321 branches, adding 20 new locations during the quarter. Our focus remains on scaling in Maharashtra and Odisha, while deepening presence in select under-penetrated pockets within our existing states, and sustaining steady growth in established geographies.

On asset quality side, we saw a marginal rise in delinquency, leading to a 6 bps rise in GNPAs to 1.55%, while NNPA stood at 1.17%. However, 30 delinquency improved to 6.34%, reflecting better collection efficiency & proactive early-stage portfolio management.

On the profitability side, the total income growth for the quarter came in at 27% YoY to Rs 554 crore. Our spreads improved to 8.9%, while the Opex remained flattish to 2.7%, leading to an operating profit growth of 27% YoY to Rs 312 crore.

Profits for the quarter came in at Rs 227 crore, growing at 24% YoY. The profit for the half year came in at Rs 446 crore, growing at 26% YoY. The RoA/RoE for the quarter came in at 7.9%/20.0% respectively, among the best in the industry. Our sustainable RoAs are backed by a well-diversified product mix and customer base with varied income profiles, ensuring stability across market cycles.

Our strong tech and analytics capabilities enabled safe, scalable operations across regions. We continued to lead in digital adoption, achieving >90% digital agreements and >95% digital collections. Enhanced usage of account aggregator framework, bureau inputs is strengthening underwriting and enabling higher value & better-quality customer segments.

Our long-term credit rating was upgraded to [ICRA]AA (Stable), recognizing the company’s robust asset quality, prudent risk management, and strong capitalization. Following this upgrade, both ICRA and CARE now rate our long-term credit profile at AA (Stable).

During the year, we broadened our shareholders base and further diversified our institutional shareholding, enhancing market liquidity and strengthening participation from long-term investors.

With a vision to reach Rs 25,000 crore AUM in the medium term, we aim to build on current momentum and move towards sustaining 25% growth.”

Result PDF

Result PDF

Housing Finance company Aptus Value Housing Finance India announced Q1FY26 results

  • AUM: Rs 11,267 crore compared to Rs 9,072 crore during Q1FY25, change 4%.
  • PAT: Rs 219 crore compared to Rs 172 crore during Q1FY25, change 6%.
  • Spread: 8.73% for Q1FY26.
  • Gross NPA: 1.49% for Q1FY26.
  • ROA: 7.93% for Q1FY26.
  • ROE: 20.09% for Q1FY26.

P. Balaji, Managing Director, said: “Q1FY26 was a stable quarter for Aptus, driven by continued focus on consistent growth and profitability. Despite some seasonal headwinds, disbursements rose to Rs 775 crore, up 15% YoY, while AUM grew 24% to Rs 11,267 crore. Our customer base grew 20% YoY to 1.65L customers, while our branch presence reached 301.

On the profitability side, our spreads continue to hold up strongly at 8.7%. The Opex continues to remain lower at 2.7%, leading to an operating PAT growth of 31% YoY to Rs 296 crore.

On the asset quality side, we saw slight increase in delinquency, driven by seasonality, leading to 19 bps sequential rise in our GNPAs to 1.49%. The credit cost was sequentially up by 8 bps but remain under our 45–50 bps credit cost guidance.

Net profit for the quarter came in at Rs 219 crore, translating to an RoA/RoE of 7.9%/20.1% respectively—among the best in the industry. Our sustainable RoAs are backed by a well-diversified product mix and a customer base with varied income profiles, ensuring stability across market cycles.

We continued to lead in digital adoption, achieving >90% digital agreements and 94% digital collections. Our strong tech and analytics capabilities enabled safe, scalable operations across regions.

Our long-term credit rating was upgraded to CARE AA; Stable from CARE AA-; Positive, reflecting strong asset quality, healthy profitability, and robust capitalization.

"We have a strong presence in the southern geographies, and we've begun expanding into states like Maharashtra and Odisha — the initial experience has been encouraging, setting the stage for accelerated growth in these markets. With this momentum, we are confident that Aptus is well-positioned to reach an AUM of Rs 25,000 crore by FY29."

Result PDF

Housing Finance company Aptus Value Housing Finance India announced Q4FY25 & FY25 results

Q4FY25 Financial Highlights:

  • AUM as of FY25 at Rs.10,865 crore, growth of 25% Y-o-Y
  • PAT: Rs 207 crore vs Rs 164 crore in Q4FY24; up 26%
  • Spread: 8.71% in Q4FY24; flat YoY
  • Gross NPA: 1.19% vs 1.07% in Q4FY24; up 12 bps
  • Opex %: 2.69% vs 2.70% in Q4FY24; down 1 bps
  • RoA: 7.85% vs 8.00% in Q4FY24; down 15 bps
  • RoE: 19.66% vs 17.25% in Q4FY24; up 241 bps

FY25 Financial Highlights:

  • AUM: Rs 10,865 crore vs Rs 8,722 crore in FY24; up 25%
  • Disbursement at Rs 3,604 crore for FY25, growth of 15% YoY
  • Distribution network of 300 branches (38 new branches became operational in FY25)
  • PAT at Rs 751 crore for FY25, growth of 23% Y-o-Y
  • RoA at 7.73%
  • RoE at 18.76%

Commenting on the results, P. Balaji, Managing Director, said, “It gives me great pleasure to share that FY25 has been a successful year for Aptus, highlighted by remarkable progress and strong growth in AUM. During FY25, we expanded our footprint by opening 38 new branches, increasing our network to 300 locations and reinforcing our commitment to delivering exceptional service to over 160,000 customers. In FY25, we disbursed Rs 3,604 crore, achieving a 15% year-on-year growth. This reflects the strength of our operational execution and strategic focus, which also enabled us to grow our AUM by 25% year-on-year.

The Company posted a 23% year-on-year growth in net profit, reaching Rs 751 crore in the financial year FY25, supported by business expansion, stable asset quality, and continued focus on improving productivity.

Aptus has developed strong internal competencies in underwriting, customer onboarding, digital collections, and analytics, enabling it to scale profitably and safely across diverse regions. Technology is a key differentiator for Aptus, enhancing every aspect of our operations—from customer acquisition to collections. Looking ahead, the adoption of AI will further strengthen our capabilities.

During this period, the Company attained a 92% adoption rate for digital agreements. Our digital collections remained strong at 96%, and the penetration of account aggregators increased to 57%.

Our asset quality remains robust, with net credit costs including ECL provisions at 0.29% which is at the same levels of previous financial year. The slight uptick in NPAs compared to the last quarter is primarily attributable to macroeconomic conditions and seasonal factors. We remain committed to prioritizing soft collections and managing NPAs in the new financial year. We continue to maintain a conservative credit cost guidance of around 40 to 45 basis points.

For the year, we achieved a Return on Assets (ROA) of 7.73% and a Return on Equity (ROE) of 18.76% (19.66% for Q4FY25), among the best in the industry, highlighting our commitment to sustainable growth, pristine asset quality, and operational efficiencies.

As part of our funding strategy, we diversified our borrowings by issuing non-convertible debentures amounting to Rs 900 crore to mutual funds during the year. As on March 31, 2025, we maintained sufficient liquidity of around Rs 1,155 crore including undrawn sanctions of Rs 678 crore. The Company is well capitalized with a net worth of over Rs 4,317 crore and the capital adequacy as on March 31, 2025 was 70%.

Our unwavering commitment to financial inclusion, particularly in underserved markets, continues to be a key driver of our growth. While we scale responsibly, we remain focused on maintaining asset quality and operational excellence. The affordable housing finance sector holds immense long-term potential, and with strong fundamentals and a clear growth strategy, Aptus is well-positioned to achieve its ambitious vision of Rs 25,000 crore AUM by FY28, supported by strategic geographic expansion, process strengthening, and prudent capital management.”

Result PDF

Housing Finance company Aptus Value Housing Finance India announced Q3FY25 results

  • AUM crosses Rs 10,000 crore milestone, number of customers crosses 1,50,000.
  • AUM stands at Rs 10,226 crore with a 27% YoY growth and 6% QoQ growth.
  • PAT at Rs 191 crore with a 22% YoY growth and 5% QoQ growth.
  • RoA at 7.70%, one of the best in the Industry.
  • RoE at 18.54% is making steady progress, up by 144 bps YoY and by 24 bps QoQ.
  • Borrowings further diversified – Additional funding through issuance of NCDs to MFs.
  • Received Corporate Agency license from IRDAI.

P. Balaji, Managing Director, Aptus Value Housing Finance India, said: “We are pleased to announce that the Company delivered strong performance in the third quarter of FY25. The Company reported a 22% YoY increase in net profit, reaching Rs 191 crore in the third quarter of FY25, driven by business growth, stable asset quality and a sustained focus on enhancing productivity. AUM growth was strong at 27% year-on-year driven by the addition of 36 branches in the first nine months of FY25 across both existing and new states, including Maharashtra and Odisha. The branch network spanning 6 states and 1 Union Territory has grown up to 300.

Our diversified product offerings have significantly contributed to a robust and resilient income stream, positioning the company for sustained growth.

Our Opex for the quarter, despite investments in new branches, Information Technology and HR continues to be good at 2.61%. As a productivity-driven organization, we are committed to maintaining the lowest cost-to-asset and cost-to-income ratios in the affordable housing finance sector.

Digital adoption continues to be a key focus area as we drive growth.Our robust digital infrastructure, enabling seamless omnichannel lead generation, has played a significant role, contributing around 21% of our business through leads from our customer referral app, eco-partners app, and social media channels.

During this period, the Company achieved an 88% adoption rate for digital agreements. Additionally, our digital collections were maintained at 97%, and account aggregator penetration rose to 48%.

Our asset quality continues to be strong with net credit costs reducing to 32 bps from 38 bps in the previous quarter. The marginal increase in our NPA compared to the previous quarter is mainly due to macro environment and seasonality in the quarter. We will have our continued focus on soft collections and NPAs in the ensuing quarter. We continue to maintain our conservative credit cost guidance of around 35 to 40 bps.

We achieved a ROA and ROE of 7.70% and 18.54% respectively, one of the best in the industry, underscoring our focus on sustainable growth, strong credit quality and operational efficiencies.

As part of our funding plan, we diversified our borrowings by issuing non-convertible debentures aggregating to Rs 325 crore to Mutual Funds during Q3FY25. As on December 31, 2024, we maintained sufficient liquidity of around Rs 1,000 crore including undrawn sanctions of Rs 570 crore. The Company is well capitalized with a net worth of over Rs 4,108 crore.

As part of our strategic expansion, we have broadened our geographical reach beyond south by opening 10 new branches in Maharashtra and Odisha. At the same time, we continue to reinforce our strong presence in South India, with a consolidated network of 290 branches. Moving forward, we are focused on consistent growth, aiming for an AUM increase to Rs 25,000 crore by FY 2028. Our strategy of expanding into underserved regions while maintaining strong asset quality has been key to our solid financial performance. We remain confident in the long-term potential of the affordable housing sector and will continue to expand our reach, product and service offerings to meet the evolving needs of our customers.

Result PDF

Housing Finance company Aptus Value Housing Finance India announced Q2FY25 results

  • AUM stands at Rs 9,679 crore with a 27% YoY growth and 7% QoQ growth.
  • PAT at Rs 182 crore with a 22% YoY growth and 6% QoQ growth.
  • RoA at 7.77%, one of the best in the Industry.
  • RoE at 18.30% is making steady progress, up by 130 bps YoY and by 17 bps QoQ.
  • Borrowings further diversified – Additional funding through the issuance of NCDs to MFs.
  • Gross NPA 1.25% for Q2FY25.

P. Balaji, Managing Director, Aptus Value Housing Finance India, said: “ We are happy to share that Aptus achieved strong results for the second quarter of FY25. The Company posted a 22% YoY increase in net profit at Rs 182 crore in the second quarter of FY25 supported by business growth, stable asset quality, and continuous focus on higher productivity. We sustained consistent growth and achieved an AUM growth of 27% YoY supported by an addition of 24 branches over June 2024, both in existing states and new states of Odisha and Maharashtra.

Our Opex for the quarter was at 2.65%. We will remain a productivity-focused organization and will continue to achieve the lowest cost-to-asset and cost-to-income ratios in the affordable housing finance sector.

Digital adoption remains robust and is a key area of focus as we continue to grow. Our digital infrastructure for seamless omnichannel lead generation has remained strong, contributing approximately 20% of our business through leads generated from our customer referral app, ecopartners app, and social media channels. As of Sep’24, 99% of our customers are registered on our mobile application. During this period, the Company achieved an 83% adoption rate for digital agreements. Also, our digital collections improved to 98% and account aggregator penetration increased to 43% during the period.

Our GNPA has improved as compared to the previous quarter. This positive trend reflects our effective collection mechanism and diligent credit underwriting processes

The planned growth is expected to come out of additional borrowings leading to improved leverage from the current level.

We achieved an ROA and ROE of 7.77% and 18.30% respectively, one of the best in the industry, reflecting our commitment to operational efficiency and prudent financial management.

As part of our funding plan, we diversified our borrowings by issuing non-convertible debentures aggregating to Rs 400 crore during Q2FY25. As on September 30, 2024, we have maintained sufficient liquidity of Rs 1,239 crore including undrawn sanctions of Rs 550 crore from various banks. The Company is well capitalized with a net worth of over Rs 4,014 crore.

We are pleased with our performance this quarter, which reflects our commitment to sustainable growth and financial inclusion. Our focus on expanding in under-served geographies and maintaining robust asset quality has contributed to our strong financial performance. As a result, our AUM has shown consistent growth, further reinforcing our position in the market. We remain optimistic about the long-term potential of the affordable housing segment and will continue to enhance our reach and service offerings to meet the evolving needs of our customers".

Result PDF

Housing Finance company Aptus Value Housing Finance India announced Q1FY25 results:

  • PAT is Rs 172 crore with a 21% YoY growth
  • AUM stands at Rs 9,072 crore with a 27% YoY growth
  • RoA at 7.73%
  • RoE at 18.13%

Commenting on the results, P. Balaji, Managing Director, said, “I am pleased to report a solid performance for the first quarter of FY25. The Company posted a 21% y-o-y increase in net profit at Rs 172 crore in the first quarter of FY25 supported by business growth, stable asset quality and continuous focus on higher productivity.

We sustained consistent growth and achieved an AUM growth of 27% YoY supported by branch addition of 36 over June 2023, both in existing states and new states of Odisha and Maharashtra, improvement in productivity and increase in ATS. We are confident to pursue an AUM growth of about 30% in the coming quarters/years.

During the quarter, we moved to Mobile first lead management software system, which impacted our disbursements in the month of April 2024. In the months of May and June 2024, disbursements were back to normalcy clocking 35% growth over the corresponding comparable two month period. The implementation of this system marks a major advancement in our operations, streamlining our processes, service delivery, lesser bounce, collection productivity, regulatory compliance and improving overall efficiency.

Our Opex for the quarter was at 2.67% and we will continue to be a productivity driven organization with clear focus on expenses and will continue to have the lowest cost to income/assets in the affordable housing finance industry.

The planned growth stated above is expected to come out of additional borrowings, leading to improved leverage from the current level. As a result of this, the RoA which is currently at 7.73% is likely to come down to around 7% but the RoE which is currently at 18.13% is likely to go above 21%, which is the best in the affordable housing finance industry.

As on June 30, 2024, we have maintained a sufficient liquidity of Rs 907 crore including undrawn sanctions of Rs 520 crore from various banks. The Company is well capitalized with a net worth of over Rs 3,818 crore.”

Result PDF

Housing Finance company Aptus Value Housing Finance India announced FY24 results:

Financial Highlights:

  • AUM as of FY24 at Rs 8,722 crore, growth of 29% YoY
  • Disbursement at Rs 3,127 crore for FY24, growth of 31% YoY
  • Distribution network of 262 branches (opened 31 new branches during FY24)
  • PAT at Rs 612 crore for FY24, growth of 22% YoY
  • RoA at 8.00%
  • RoE at 17.25% 

Commenting on the results, P. Balaji, Managing Director, said, “I am delighted to announce that FY24 has proven to be a good year for Aptus, marked by significant accomplishments and strong growth. During FY24, we expanded our presence by opening 31 branches, thereby strengthening our network to 262 branches, assuring excellent service to our 1,33,000 customers We disbursed 3,127 crore registering a growth of 31% YoY. We sustained consistent growth and achieved an AUM growth of 29% YoY.

The adoption of digital technologies has remained robust, with a consistent enhancement in business generation through leads originating from our customer referral app, eco-partners app, and social media channels. Our customer-centric digital platform, coupled with an AI/ML-driven credit evaluation process, guarantees prompt loan disbursements to our customers To take the Company to the next level of growth, middle management viz. sales, credit, collections and IT have been strengthened.

Throughout the year, we've consistently maintained low levels of NPAs and remain committed to focus on high quality of assets with Gross NPA at 1.07% as on March 31, 2024.

PAT for FY24 stood at Rs 612 crore with an increase of 22% YoY. Our ROA and ROE remained solid at 8.00% and 17.25% respectively.

As on March 31, 2024, we have maintained a sufficient liquidity of Rs 1,022 crore including undrawn sanctions of Rs 620 crore from various banks. The Company is well capitalized with a net worth of over Rs 3,700 crore.

Going forward, we will continue to prioritize responsible lending and risk management, ensure sustainable growth and asset quality, focus on expanding and retaining customer base both in existing and new geographies and building a strong workforce to further strengthen our position as a leading affordable housing finance company in the country.”

Result PDF

Aptus Value Housing Finance India announced 9MFY24 results:

Financial Overview
- Net Asset Under Management (AUM): Increased to Rs 8,072 crore, marking a YoY growth of 28% from Rs 6,307 crore.
- Profit After Tax (PAT): Grew by 22%, reaching Rs 448 crore compared to Rs 368 crore in the same period last year.
- Gross Non-Performing Assets (NPA): Improved, decreasing by 25 basis points to 1.19%.
- Return on Assets (ROA): Maintained a solid performance above 8%, specifically at 8.06%.
- Return on Equity (ROE): Demonstrated an increase of 108 basis points to 17.10%.

Operational Highlights
- Disbursements: Saw an increase of 25% year-over-year with a total of Rs 2,159 crore being disbursed.
- Branch Network Expansion: Added 12 new branches in Q3FY24 and 31 branches in the year to date, expanding the total to 262 branches.
- Net Worth: Reported to be over Rs 3,700 crore.
- Liquidity Position: A strong liquidity status was noted with Rs 961 crore in funds, inclusive of undrawn sanctions from the NHB and various banks.

Commenting on the results, P. Balaji, Managing Director, said, “During the 9 months FY24, we opened 31 branches and have widened our presence through a strong network of 262 branches assuring the best service to all our customers. We disbursed 2,159 crore registering a growth of 25% year on year. We continued to grow consistently and delivered an AUM growth of 28% year on year.

Digital adoption has been strong with steady improvement in business generation through leads generated from customer referral apps, eco partners apps, and social media channels. Our customer-centric digital platform and AI/ML-supported credit evaluation process ensure timely loans to our customers.

We consistently maintained low levels of NPAs over the years and continue to focus on good quality assets with a Gross NPA of 1.19% as of December 31, 2023.

PAT has grown by 22% on YoY and 6% on a QoQ basis. Our ROA and ROE remained solid at 8.06% and 17.10% respectively.

As of December 31, 2023, we have maintained a sufficient liquidity of Rs 961 crore including undrawn sanctions of Rs 300 crore from NHB and Rs 310 crore from various banks. The Company is well capitalized with a net worth of over Rs 3,700 crore.

In order to take the Company to the next level of growth, middle management viz. sales, credit, collections and IT has been strengthened.

As we move forward, we will remain focused on expanding our customer base both in existing and new geographies and further strengthen our position as a leading affordable housing finance company in the country.”

 

 

Result PDF

Aptus Value Housing Finance India announced Q2FY24 & H1FY24 results:

1. Financial Performance:
- Aptus Value Housing Finance India reported a 28% YoY increase in Assets Under Management (AUM), reaching Rs 7,604 crore for H1FY24.
- The Profit After Tax (PAT) for H1FY24 stood at Rs 290 crore, representing a 20% growth compared to the previous year.
- The Gross Non-Performing Assets (NPA) reduced by 28 basis points to 1.19% in line with RBI guidelines.
- Return on Assets (ROA) remained above 8% and Return on Equity (ROE) increased by 117 basis points to 17%.

2. Operational Highlights:
- Disbursements for H1FY24 amounted to Rs 1,391 crore, marking a 23% YoY increase.
- Net worth of around Rs 3,540 crore
- The company expanded its network by opening 20 new branches in Q2FY24, bringing the total branch count to 250.
- Aptus Value Housing Finance India has a diversified borrowing pattern, securing funds from various sources including NHB, DFIs, and large financial institutions and banks.
- Digital adoption and customer referrals have contributed to steady improvement in business generation.

Commenting on the results, M Anandan, Executive Chairman, said, “The Company's performance for the current quarter demonstrates a sustained trajectory of stability, growth and diversified income stream. In alignment with our strategic objective of expanding deeper into existing markets and contiguous expansion to newer markets, we have successfully commenced operations in 20 new branches during this period. This business expansion initiative has reinforced our commitment to augment investments in human resources, technological advancements and data analytics, all with the overall goal of ensuring sustainable future growth.

Digital adoption continues to be strong with steady improvement in business generation through our customer referral app and social media campaign.

Underpinned by our mission to empower underserved communities at large, we witnessed a robust disbursement of Rs 1,391 crore in this half year, marking a 23% YoY increase and resulting in a 28% YoY growth in AUM to reach Rs 7,604 crore as on September 30, 2023.

Our asset quality with focus on early delinquencies has helped us to reduce our 30 DPD by 51 bps to 5.99% on YoY basis.

The company is well capitalised with a net worth of Rs 3,540 crore as on Sep 30, 2023. We have diligently maintained a healthy balance sheet liquidity of Rs 974 crore which includes undrawn sanction of Rs 300 crore from NHB and Rs 290 crore from various banks. With strong capital base and prudent borrowing practices, we have been able to maintain positive ALM across tenors.

During this quarter the Company’s ROA and ROE has remained resilient at 8.10% and 17.00% respectively.

As we move forward, we shall continue to pursue our strategic objectives diligently, aiming for sustained growth and continued excellence across all our operations”.

 

Result PDF

Aptus Value Housing Finance India announced Q1FY24 results:

  • AUM at Rs 7,123 crore (up 29% YoY)
  • Disbursements at Rs 646 crore (up 23% YoY)
  • PAT at Rs 142 crore (up 20% YoY)
  • Gross NPA at 1.29%/Net NPA at 0.97%
  • Spread at 13.29%
  • Net worth of around Rs 3,400 crore
  • Diversified borrowings from DFIs, NHB, Private and Public Sector Banks.
  • Network of 231 branches as on 30 June 2023

Commenting on the results, M Anandan, Executive Chairman, said, “Our sharp business focus, deep penetration in served markets, and customer centricity along with appropriate tech support have enabled us to achieve good growth. Digital adoption continues to be strong and about 14% of our business in Q1FY24 has come from the construction eco system app, customer referral app, and social media leads. Going forward our focus shall be to increase the leads through these channels. Coupled with this we have built a strong branch network of 231 branches to support growth and deliver quality service to our customers.

The Company is well capitalised with a net worth of around Rs 3,400 crore. As on June 30, 2023, we have maintained sufficient on-balance sheet liquidity of over Rs 497 crore without including undrawn sanctions of Rs 400 crore from various banks. With a strong capital base and prudent borrowing practices, we have positive ALM across tenors.

Collection efficiencies dropped marginally by around 0.50% and our 30 DPD and NPAs have gone up marginally by 0.37% and 0.14% respectively which is somewhat seasonal in the first quarter of the financial year. This will be improved and restored to the collection levels of around 100% in the ensuing quarters.

We continued to grow consistently and our ROA and ROE are one of the best in the Industry.

With on-ground strong demand for both Home Loans and Small Business Loans, we are confident of pursuing 30 % to 35% growth in disbursements along with good quality of loan book and collection efficiencies resulting in sustained profitability."

 

Result PDF

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