Earnings Review
Aavas Financiers Q2 net profit up on rise in top line
This story was originally published at 18:23 IST on 11 November 2025
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--Aavas Financiers Jul-Sept net profit INR 1.64 bln
--Analysts saw Aavas Financiers Jul-Sept net profit INR 1.50 bln
--Aavas Financiers Jul-Sept net profit INR 1.64 bln vs INR 1.48 bln year ago
--Aavas Financiers Jul-Sept revenue INR 6.67 bln vs INR 5.79 bln year ago
--Aavas Financiers Apr-Sept net profit INR 3.03 bln vs INR 2.74 bln year ago
--Aavas Financiers Apr-Sept revenue INR 12.95 bln vs INR 11.22 bln year ago
By Janwee Prajapati
MUMBAI – Aavas Financiers Ltd. reported a rise in its net profit for the September quarter, thanks to healthy growth in revenue from operations. A sharp rise in total expenditure, however, ate into the bottom line for the quarter. The company reported a net profit of INR 1.64 billion for the September quarter, up amost 18% on quarter and 11% on year. The net profit exceeded analysts' estimate of INR 1.50 billion for the September quarter.
The company reported total revenue from operations of INR 6.67 billion, up over 6% on quarter and 15% on year. The non-banking finance company reported an on-year rise of almost 15% in interest income at INR 5.64 billion, which was up only 3% sequentially. The company's total income rose 15% on year and 6% on quarter to INR 6.67 billion.
Total expenses were INR 4.56 billion, up almost 17% on year and almost 2% on quarter. The rise in total expenditure was driven by higher employee benefit costs and finance costs. The company's finance costs for the reporting quarter rose almost 11% on year to INR 2.76 billion. Employee benefit costs jumped 35% on year to INR 1.13 billion during the quarter.
As on Sept. 30, the company's assets under management were up 16% on year at INR 213.57 billion. The company reported a rise in its disbursements at INR 15.60 billion, up 21% from the year-ago quarter.
The company's net interest margin expanded 26 basis points on year to 8.04% for the reporting quarter. Its cost of borrowing for the reporting quarter declined by 17 bps sequentially to 7.85%.
For Apr-Sept, the company reported a net profit of INR 3.03 billion, up almost 11% on year. Its total income stood at INR 12.95 billion for the half year, a rise of almost 15% on year.
On Tuesday, shares of the company ended at INR 1,619.20 on the National Stock Exchange, down 2.1%. The company announced its financial results after market hours. End
IST, or Indian Standard Time, is five-and-a-half hours ahead of GMT
Edited by Avishek Dutta
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