Aavas Financiers Ltd.
AAVASFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
31 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 31 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20190215 | 2018-12-31 | yes | |
| TRANSCRIPT | 20190516 | 2019-03-31 | yes | |
| TRANSCRIPT | 20190809 | 2019-06-30 | yes | |
| TRANSCRIPT | 20191102 | 2019-09-30 | yes | |
| TRANSCRIPT | 20200128 | 2019-12-31 | yes | |
| TRANSCRIPT | 20200522 | 2020-03-31 | yes | |
| TRANSCRIPT | 20200819 | 2020-06-30 | yes | |
| TRANSCRIPT | 20201105 | 2020-09-30 | yes | |
| TRANSCRIPT | 20210128 | 2020-12-31 | yes | |
| TRANSCRIPT | 20210505 | 2021-03-31 | yes | |
| TRANSCRIPT | 20210805 | 2021-06-30 | yes | |
| TRANSCRIPT | 20211102 | 2021-09-30 | yes | |
| TRANSCRIPT | 20220209 | 2021-12-31 | yes | |
| TRANSCRIPT | 20220511 | 2022-03-31 | yes | |
| TRANSCRIPT | 20220801 | 2022-06-30 | yes | |
| TRANSCRIPT | 20221031 | 2022-09-30 | yes | |
| TRANSCRIPT | 20230209 | 2022-12-31 | yes | |
| TRANSCRIPT | 20230510 | 2023-03-31 | yes | |
| TRANSCRIPT | 20230810 | 2023-06-30 | yes | |
| TRANSCRIPT | 20231102 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240208 | 2023-12-31 | yes | |
| TRANSCRIPT | 20240430 | 2024-03-31 | yes | |
| TRANSCRIPT | 20240730 | 2024-06-30 | yes | |
| TRANSCRIPT | 20241113 | 2024-09-30 | yes | |
| TRANSCRIPT | 20250204 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250430 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250819 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251117 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260212 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260512 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260727 | 2026-06-30 | yes |
AAVAS
files as a non-banking financial company. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | nbfc |
| Scope served | consolidated |
| Panels on this page | 4 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 1,256.40 |
| 52-week range | 1073.9 – 1736.4 |
| Return 1M | -4.33% |
| Return 3M | -15.67% |
| Return 1Y | -24.76% |
| Return 3Y | -25.9% |
| Return 5Y | -51.18% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2024-03-31
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Revenue from operations | 546.00 |
| Other income | 1.00 |
| Total income | 547.00 |
| Cost of materials consumed | 0.00 |
| Purchases of stock-in-trade | 0.00 |
| Changes in inventories | 0.00 |
| Employee benefit expense | 96.00 |
| Finance costs | 222.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.49 | 0.00 |
| institutions foreign | 0.16 | -0.00 |
| institutions domestic | 0.22 | 0.00 |
| mutual funds | 0.17 | -0.00 |
| public | 0.51 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| TRANSCRIPT | 2026-06-30 | 31 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Quarterly results, as filed
| Line | 2020-06-30 | 2020-09-30 | 2020-12-31 | 2021-03-31 | 2021-06-30 | 2021-09-30 | 2021-12-31 | 2022-03-31 | 2022-06-30 | 2022-09-30 | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from operations | 234.00 | 270.00 | 310.00 | 289.00 | 272.00 | 325.00 | 343.00 | 365.00 | 353.00 | 395.00 | 411.00 | 450.00 | 467.00 | 497.00 | 508.00 | 546.00 |
| Other income | 0.00 | 0.00 | 0.00 | 2.00 | 0.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | 1.00 | 0.00 | 1.00 | 1.00 | 1.00 |
| Total income | 234.00 | 270.00 | 310.00 | 291.00 | 272.00 | 325.00 | 343.00 | 365.00 | 353.00 | 395.00 | 412.00 | 450.00 | 467.00 | 498.00 | 509.00 | 547.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 36.00 | 43.00 | 43.00 | 50.00 | 47.00 | 58.00 | 60.00 | 69.00 | 68.00 | 78.00 | 81.00 | 76.00 | 95.00 | 82.00 | 83.00 | 96.00 |
| Finance costs | 112.00 | 114.00 | 117.00 | 115.00 | 113.00 | 116.00 | 125.00 | 124.00 | 135.00 | 141.00 | 150.00 | 165.00 | 187.00 | 204.00 | 217.00 | 222.00 |
| Depreciation and amortisation | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 6.00 | 6.00 | 7.00 | 6.00 | 7.00 | 7.00 | 9.00 | 7.00 | 8.00 | 9.00 | 9.00 |
| Other expenses | 11.00 | 14.00 | 16.00 | 18.00 | 15.00 | 21.00 | 24.00 | 29.00 | 27.00 | 28.00 | 32.00 | 34.00 | 30.00 | 38.00 | 41.00 | 37.00 |
| Total expenses | 171.00 | 186.00 | 200.00 | 197.00 | 198.00 | 207.00 | 228.00 | 219.00 | 239.00 | 258.00 | 274.00 | 292.00 | 326.00 | 340.00 | 359.00 | 369.00 |
| Profit before exceptional items and tax | 63.00 | 84.00 | 110.00 | 95.00 | 74.00 | 118.00 | 115.00 | 146.00 | 114.00 | 138.00 | 138.00 | 159.00 | 141.00 | 157.00 | 150.00 | 177.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 63.00 | 84.00 | 110.00 | 95.00 | 74.00 | 118.00 | 115.00 | 146.00 | 114.00 | 138.00 | 138.00 | 159.00 | 141.00 | 157.00 | 150.00 | 177.00 |
| Current tax | 19.00 | 20.00 | 21.00 | 7.00 | 24.00 | 25.00 | 19.00 | 23.00 | 25.00 | 25.00 | 28.00 | 27.00 | 31.00 | 31.00 | 31.00 | 31.00 |
| Deferred tax | -5.00 | -1.00 | 4.00 | -0.00 | -9.00 | 1.00 | 7.00 | 7.00 | 1.00 | 6.00 | 3.00 | 5.00 | 0.00 | 4.00 | 2.00 | 4.00 |
| Tax expense | 13.00 | 18.00 | 25.00 | 7.00 | 15.00 | 26.00 | 26.00 | 30.00 | 25.00 | 31.00 | 31.00 | 32.00 | 31.00 | 36.00 | 33.00 | 35.00 |
| Profit for the period | 50.00 | 66.00 | 85.00 | 87.00 | 59.00 | 92.00 | 89.00 | 115.00 | 89.00 | 107.00 | 107.00 | 127.00 | 110.00 | 122.00 | 117.00 | 142.00 |
| Profit attributable to owners | 0.00 | 0.00 | 0.00 | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit attributable to non-controlling interests | 0.00 | 0.00 | 0.00 | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other comprehensive income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | 0.00 | -0.00 | 0.00 | 0.00 |
| Total comprehensive income | 50.00 | 66.00 | 85.00 | 88.00 | 59.00 | 92.00 | 89.00 | 116.00 | 89.00 | 107.00 | 107.00 | 127.00 | 110.00 | 122.00 | 117.00 | 143.00 |
| Earnings per share, basic | 6.38 | 8.43 | 10.90 | 11.15 | 7.52 | 11.69 | 11.25 | 14.63 | 11.28 | 13.51 | 13.56 | 16.05 | 13.89 | 15.38 | 14.75 | 18.00 |
| Earnings per share, diluted | 6.32 | 8.36 | 10.81 | 11.06 | 7.46 | 11.60 | 11.19 | 14.57 | 11.24 | 13.46 | 13.52 | 16.01 | 13.87 | 15.37 | 14.73 | 17.98 |
| Interest earned | 229.00 | 243.00 | 258.00 | 247.00 | 263.00 | 279.00 | 283.00 | 304.00 | 315.00 | 329.00 | 359.00 | 386.00 | 413.00 | 426.00 | 437.00 | 459.00 |
| Fees and commission income | 4.00 | 8.00 | 11.00 | 14.00 | 7.00 | 12.00 | 12.00 | 14.00 | 14.00 | 14.00 | 15.00 | 16.00 | 17.00 | 20.00 | 21.00 | 28.00 |
| Net gain on fair value changes | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 2.00 | 1.00 | 2.00 | 3.00 | 2.00 | 3.00 | 4.00 | 4.00 | 5.00 | 4.00 |
| Dividend income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rental income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Annual results, as filed
| Line | 2020-03-31 | 2021-03-31 | 2022-03-31 | 2023-03-31 | 2024-03-31 |
|---|---|---|---|---|---|
| Revenue from operations | 903.00 | 1,103.00 | 1,304.00 | 1,609.00 | 2,018.00 |
| Other income | 1.00 | 2.00 | 1.00 | 2.00 | 3.00 |
| Total income | 903.00 | 1,106.00 | 1,306.00 | 1,611.00 | 2,021.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 147.00 | 173.00 | 234.00 | 302.00 | 356.00 |
| Finance costs | 356.00 | 458.00 | 478.00 | 591.00 | 828.00 |
| Depreciation and amortisation | 20.00 | 21.00 | 24.00 | 29.00 | 33.00 |
| Other expenses | 58.00 | 58.00 | 89.00 | 121.00 | 147.00 |
| Total expenses | 601.00 | 753.00 | 853.00 | 1,062.00 | 1,395.00 |
| Profit before exceptional items and tax | 302.00 | 353.00 | 453.00 | 548.00 | 625.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 302.00 | 353.00 | 453.00 | 548.00 | 625.00 |
| Current tax | 64.00 | 67.00 | 91.00 | 104.00 | 124.00 |
| Deferred tax | -11.00 | -3.00 | 6.00 | 15.00 | 11.00 |
| Tax expense | 53.00 | 64.00 | 98.00 | 119.00 | 135.00 |
| Profit for the period | 249.00 | 289.00 | 355.00 | 430.00 | 491.00 |
| Profit attributable to owners | 0.00 | — | 0.00 | 0.00 | 0.00 |
| Profit attributable to non-controlling interests | 0.00 | — | 0.00 | 0.00 | 0.00 |
| Other comprehensive income | -0.00 | 1.00 | 1.00 | 1.00 | 0.00 |
| Total comprehensive income | 249.00 | 290.00 | 356.00 | 430.00 | 491.00 |
| Earnings per share, basic | 31.85 | 36.86 | 45.10 | 54.38 | 62.03 |
| Earnings per share, diluted | 31.48 | 36.54 | 44.81 | 54.26 | 61.93 |
| Interest earned | 787.00 | 977.00 | 1,129.00 | 1,389.00 | 1,735.00 |
| Fees and commission income | 33.00 | 37.00 | 46.00 | 59.00 | 87.00 |
| Net gain on fair value changes | 6.00 | 4.00 | 5.00 | 10.00 | 17.00 |
| Dividend income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rental income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-03-31 | 2023-09-30 | 2024-03-31 |
|---|---|---|---|---|
| Total assets | 11,885.00 | 13,410.00 | 15,038.00 | 16,519.00 |
| Property, plant and equipment | 30.00 | 32.00 | 31.00 | 30.00 |
| Capital work-in-progress | 0.00 | 0.00 | 0.00 | 0.00 |
| Goodwill | 0.00 | 0.00 | 0.00 | 0.00 |
| Other intangible assets | 5.00 | 4.00 | 23.00 | 31.00 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash and cash equivalents | 26.00 | 178.00 | 54.00 | 21.00 |
| Total equity and liabilities | 11,885.00 | 13,410.00 | 15,038.00 | 16,519.00 |
| Equity | 3,029.00 | 3,270.00 | 3,514.00 | 3,773.00 |
| Equity share capital | 79.00 | 79.00 | 79.00 | 79.00 |
| Other equity | 2,950.00 | 3,191.00 | 3,434.00 | 3,694.00 |
| Total liabilities | 8,856.00 | — | — | — |
Cash flow, as filed
| Line | 2021-03-31 | 2021-09-30 | 2022-03-31 | 2022-09-30 | 2023-03-31 | 2023-09-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -1,071.00 | -463.00 | -1,135.00 | -773.00 | -1,915.00 | -629.00 | -1,987.00 |
| Net cash from investing activities | -265.00 | -68.00 | -463.00 | 155.00 | 186.00 | -790.00 | -647.00 |
| Net cash from financing activities | 1,008.00 | 566.00 | 1,623.00 | 596.00 | 1,858.00 | 1,295.00 | 2,477.00 |
| Purchase of property, plant and equipment | 8.00 | 5.00 | 16.00 | 15.00 | 39.00 | 16.00 | 33.00 |
| Net increase in cash | -328.00 | 35.00 | 26.00 | -22.00 | 130.00 | -124.00 | -156.00 |
| con:CFO.BEFORE_TAX | -1,017.00 | -428.00 | -1,060.00 | -736.00 | -1,822.00 | -575.00 | -1,856.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 54.00 | 35.00 | 75.00 | 37.00 | 93.00 | 54.00 | 131.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | 0.00 | 1.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 12.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 39.14 | 39.13 | 39.11 | 39.10 | 26.47 | 26.47 | 26.47 | 26.47 | 26.47 | 48.96 | 0.49 | 0.49 | 0.49 | 0.49 |
| Domestic institutions | 12.51 | 14.35 | 14.15 | 15.30 | 24.00 | 24.40 | 25.56 | 25.69 | 10.75 | 11.51 | 0.14 | 0.14 | 0.22 | 0.22 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 8.44 | 0.09 | 0.10 | 0.17 | 0.17 |
| Insurance companies | 3.77 | 1.91 | 2.08 | 1.80 | 1.29 | 1.61 | 1.52 | 1.18 | 1.64 | 1.84 | 0.04 | 0.04 | 0.04 | 0.04 |
| Foreign institutions | 38.83 | 35.01 | 35.50 | 32.32 | 34.79 | 35.88 | 35.50 | 33.97 | 29.67 | 29.77 | 0.26 | 0.25 | 0.17 | 0.16 |
| Government | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 60.86 | 60.87 | 60.89 | 60.90 | 73.53 | 73.53 | 73.53 | 73.53 | 73.53 | 51.04 | 0.51 | 0.51 | 0.51 | 0.51 |
| Non-institutional | 9.52 | 11.50 | 11.24 | 13.27 | 14.74 | 13.25 | 12.47 | 13.87 | 33.11 | 9.75 | 0.11 | 0.12 | 0.12 | 0.13 |
| Shares outstanding | 79056874 | 79085693 | 79124320 | 79136395 | 79139705 | 79139705 | 79141580 | 79143780 | 79153665 | 79156905 | 79161353 | 79179511 | 79282743 | 79287782 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| Mr. Sachinderpalsingh Jitendrasingh Bhinder | Managing Drector and Chief Executi | Any other transaction, Remuneration | 31,628,000.00 | 2 |
| Aavas Gratuity Trust | Trust | Any other transaction | 30,867,000.00 | 1 |
| Mr. Ghanshyam Rawat | President and Chief Financial Off | Any other transaction, Remuneration | 25,848,000.00 | 2 |
| Mr. Ashutosh Atre | President and Chief Risk Officer | Any other transaction, Remuneration | 20,988,000.00 | 2 |
| Aavas Foundation | Enterprises under significant infl | Any other transaction | 9,300,000.00 | 1 |
| Mr. Sharad Pathak | Company Secretary and Chief Compli | Any other transaction, Interest paid, Remuneration | 6,708,000.00 | 4 |
| Mr. Sandeep Tandon | Chairperson and Independent Direct | Remuneration | 1,635,000.00 | 1 |
| Mrs. Kalpana Kaushik Mazumdar | Independent Director | Remuneration | 1,635,000.00 | 1 |
| Mrs. Soumya Rajan | Independent Director | Remuneration | 1,635,000.00 | 1 |
| Mr. Ramachandra Kasargod Kamath | Non-Executive Nominee Director | Remuneration | 1,635,000.00 | 1 |
| Mr. Vivek Vig | Non-Executive Nominee Director | Remuneration | 1,635,000.00 | 1 |
| Perfios Software Solution Private Limited | Private Company in which director | Purchase of goods or services | 741,000.00 | 1 |
| Aavas Finserv Limited | Wholly owned Subsidiary | Any other transaction | 0.00 | 1 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-27 | Q1FY27 | Rakesh Shinde:, to predict. | Read the call |
| 2026-05-12 | Q4FY26 | *Subject to RBI approval | Read the call |
| 2026-02-12 | Q3FY26 | Read the call | |
| 2025-11-17 | Q2FY26 | them. | Read the call |
| 2025-08-19 | Q1FY26 | them. | Read the call |
| 2025-04-30 | Q4FY25 | Rakesh Shinde:, difficult to predict. | Read the call |
| 2025-02-04 | Q3FY25 | Rakesh Shinde:, difficult to predict., forward. | Read the call |
| 2024-11-13 | Q2FY25 | Rakesh Shinde: | Read the call |
| 2024-07-30 | Q1FY25 | Read the call | |
| 2024-04-30 | Q4FY24 | AND CHIEF EXECUTIVE OFFICER, FINANCIAL OFFICER, OFFICER, STRATEGY AND ANALYTICS | Read the call |
| 2024-02-08 | Q3FY24 | LIMITED, OF INVESTOR | Read the call |
| 2023-11-02 | Q2FY24 | AAVAS FINANCIERS LIMITED, LIMITED | Read the call |
| 2023-08-10 | Q1FY24 | AAVAS FINANCIERS LIMITED, LIMITED | Read the call |
| 2023-05-10 | Q4FY23 | AAVAS FINANCIERS LIMITED, FINANCIERS LIMITED | Read the call |
| 2023-02-09 | Q3FY23 | AAVAS FINANCIERS LIMITED, recorded. | Read the call |
| 2022-10-31 | Q2FY23 | Read the call | |
| 2022-08-01 | Q1FY23 | Read the call | |
| 2022-05-11 | Q4FY22 | Read the call | |
| 2022-02-09 | Q3FY22 | Read the call | |
| 2021-11-02 | Q2FY22 | Read the call | |
| 2021-08-05 | Q1FY22 | Read the call | |
| 2021-05-05 | Q4FY21 | Read the call | |
| 2021-01-28 | Q3FY21 | Read the call | |
| 2020-11-05 | Q2FY21 | Read the call | |
| 2020-08-19 | Q1FY21 | Read the call | |
| 2020-05-22 | Q4FY20 | Read the call | |
| 2020-01-28 | Q3FY20 | Managing, Sushil | Read the call |
| 2019-11-02 | Q2FY20 | Officer | Read the call |
| 2019-08-09 | Q1FY20 | Read the call | |
| 2019-05-16 | Q4FY19 | Read the call | |
| 2019-02-15 | Q3FY19 | - AAVAS FINANCIERS LIMITED, AAVAS FINANCIERS LIMITED, FINANCIERS LIMITED | Read the call |
What they said about it, quarter by quarter
| Topic | Q4FY19 | Q4FY20 | Q4FY21 | Q4FY22 | Q4FY23 | Q4FY24 | Q4FY25 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | — | Sir just to follow-up on this sir in the current states where you are there leading apart the four states which have recently entered in last four yea… | — | — | — | — | — |
| Capital allocation | — | — | — | So, just wanted to understand on HL and LAP, what are the acquisition yields that we have had for both Q4 and FY22. | — | — | — | — |
| Costs | In last six months because of increase in borrowing cost, it has decreased but on the other side you see opex has reduced from 4.81% to 3.8% so 100 ba… | If you will appreciate this thing, in our industry, major raw material is funding, whatever you borrow, we deploy that same amount of fund in the asse… | — | — | — | — | — | Yes, what we've invested, it will need some small investment every year like AI, GenAI, need to further sharpen our underwriting, acquisitions, collec… |
| Debt and cash | — | — | Yes, so Abhijit first that 5% we have said that it will take two to three quarters after December quarter earnings and we have improved by 2% this qua… | What kind of changes in cash flow are we seeing on the households due to inflation? | — | — | — | — |
| Demand | — | So based on the existing pipeline and the new customer request, we have the mix as a normal business which we were running. | Sir after a long time we have opened branches in Rajasthan I think 7 or 8 branches so what is the purpose have we expanded into new locations which we… | What kind of challenges are you seeing on housing demand or on the under-construction properties of our customers? | So there is always demand, some gap on the translation on the new business than the cost of borrowing on funds we borrow from the market. | We have seen a strong uptick in logins led by diversified omni-channel lead generation funnel, including digital, eMitra, RRO and Mitra, resulting in … | — | — |
| Guidance | Our guidance was 30% disbursement growth for FY19 which we were able to achieve even with a Y-o-Y growth of 18% in Q4 disbursements while maintaining … | I mean, is it like should we expect normal numbers in June or September? | We have continuous guidance that every year we can improve our Opex to AUM by 30 to 35 bps; last year also despite that difficult situation we have im… | So, another 2-3% saving we can do with improved algorithm in the next 12-18 months’ time, but not much of BT-out impact its 2 3% higher from the norm… | So some of your peers who are actually smaller in size, they have been growing and they are kind of guiding AUM growth in the vicinity of 30%. | We have been able to maintain our spread around 5% in line with our guidance, despite competitive pricing pressure. | It reflects our unwavering support, guidance and valuable feedback. | I do understand you might have spent only 10-15 days, but if you can just broadly guide us, how do you think about the sector's medium-term growth and… |
| Margin | We get this funding at very low rate (sub 5%) with the condition that margin has to be capped at 3.5%. | — | Two questions from my side firstly what is the difference in the yield between your salaried portion and your self employed portion and given increase… | At the same time, it will help us in transforming the customer journey and the employee journey and experience and also significant impact on reducing… | And on the technology side, I think implementation, once again, we'll see the real jump in the productivity and the other metrics, operating leverage … | Our margin, NIM as a percentage of total assets during FY’24 stood at 7.91%. | As of 31st March 2025, we maintained sufficient liquidity in the form of cash and cash equivalents and unavailed CC limit of INR 16.52 bn and document… | — |
| People | — | — | — | In the current year, as you see, there was a large attrition across the industry, and to sustain that, the salary increased, incentive, bonus, as it w… | May 04, 2023 attrition hits, actually we are really safeguarded, because we have at least the buffer and the bench strength, which is already availabl… | — | — | — |
| Pricing | For future it depends how and at what pricing the NHB will get funding, so we cannot comment on that side. | — | So that is also a very good property, we charge extra rate because we believe in the risk adjusted pricing matrix, we don’t believe in one homogeneous… | It's a combination of cost of borrowing, opex, risk-based pricing, etc., and accordingly, ALCO and Board advises for this rate. | So can you explain what kind of pricing pressure or competition are we witnessing in our home loan segment, if at all? | So, it is not a state-based pricing metrics, it’s more of a product, more of a customer, more of an assets quality product basically. | And also, as you have been highlighting since past many quarters about change in sourcing strategy with more focus on small ticket loan moving to risk… | When I mean sharp execution, I mean the following which is: getting the product and customer suite along with its pricing right; second, looking at th… |
| Revenue growth | — | — | So on a prudent and let us say conservative accounting policy which we adopted in this quarter which has a impact on topline of interest income. | My second question, Sushilji, is if I were to just look at your AUM growth of 20% and if I were to dissect it further, the AUM per branch has actually… | That gives us confidence, that we're able to feed our increased growth at a very competitive price. | Let me now take you through the “Key Highlights of our Performance”: In FY’24, we delivered robust growth of 22% Y-o-Y in AUM at Rs. | We have delivered AuM growth of 18% Y-o-Y, reaching an AuM of INR 204 bn. In Q4FY25, we disbursed loans worth around INR 20 bn, whereas in FY25, we ha… | — |
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
| Date | Quarter | Who | What they said |
|---|---|---|---|
| 2020-01-28 | Q3FY20 | Sushil | So, I think from concentration risk side we should see incremental business wise how each branch is performing so I have told in my last question and answer also, now we have 245 branches and almost average monthly business per branch is Rs.1.25 to Rs.1.5 Crores and that is how we should see the concentration risk. |
| 2020-01-28 | Q3FY20 | Sushil | We should see number from the perspective that in a quarter maybe 15 days here, 15 days there, some festival here, some festival there, some holidays here, there, but overall basis if you will see nine months we are consistent 15-16% growth and that is what will lead us to whatever AUM growth we are planning. |