Earnings Review
Aavas Financiers' PAT rises 18% YoY as disbursements surge
This story was originally published at 19:21 IST on 5 May 2026
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--Aavas Financiers Jan-Mar net profit INR 1.82 bln
--Analysts saw Aavas Financiers Jan-Mar net profit INR 1.78 bln
--Aavas Financiers Jan-Mar revenue INR 7.15 bln
--Analysts saw Aavas Financiers Jan-Mar revenue INR 3.43 bln
--Aavas Financiers Jan-Mar net profit INR 1.82 bln vs INR 1.54 bln year ago
--Aavas Financiers Jan-Mar revenue INR 7.15 bln vs INR 6.36 bln year ago
--Aavas Financiers to issue NCDs of up to INR 90 bln in one or more tranches
--Aavas Financiers FY26 net profit INR 6.55 bln vs INR 5.74 bln year ago
--Aavas Financiers FY26 revenue INR 26.83 bln vs INR 23.55 bln year ago
By Kabir Sharma
MUMBAI – Aavas Financiers Ltd. reported a healthy increase in its net profit for the quarter ended March on the back of a sharp rise in loan disbursements, leading to higher interest income. A sharp increase in margins also supported the lender's bottom line.
The non-bank lender reported a net profit of INR 1.82 billion for the March quarter, up over 18% on year and almost 7% on quarter. "Q4FY26 (Jan-Mar) marked a strong finish to the year, with disbursements of INR 23.5 billion, up 16% YoY (on year) and 36% QoQ (on quarter), reflecting improved operating momentum in the business," the company said in its investor presentation. The assets under management of the financier was INR 234.5 billion as of Mar. 31, sharply up from INR 204.2 billion a year ago.
Growth in the company's bottom line was also supported by a 17% on-year growth in net interest income to INR 4.39 billion and a 44-basis-point improvement in net interest margin compared to the previous quarter. Net interest margin rose to 8.45% in the quarter ended March.
In terms of asset quality, gross stage three assets ratio fell to 1.05% in the March quarter from 1.19% a quarter ago. Net stage three assets ratio also improved, easing to 0.68% from 0.79% a quarter ago.
Credit costs improved to 13 bps for the reporting quarter, driven by lower one-plus-day past due flow and improvement across buckets, the company said. "We continue to maintain our guidance to keep credit costs < 25 bps on a sustainable basis," it said.
For 2025-26 (Apr-Mar), the lender reported a net profit of INR 6.55 billion, up 14% on year. Revenue for the full year rose to INR 26.83 billion, up 14% on year. Earnings were announced after market hours. Shares of the lender ended almost 5% higher to INR 1,445.80 on the National Stock Exchange on Tuesday. End
Edited by Tanima Banerjee
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