Investor Presentation

**Financial Highlights:** Aavas Financiers reported a strong performance for FY25. The company achieved a net profit of ₹5,741.1 million, reflecting a 17% increase from the previous fiscal year, with interest income on loans rising by 18% to ₹20,410.3 million.

The net interest margin (NIM) improved to 7.64%, demonstrating efficient asset management.

Total disbursements also increased by 10% to ₹61,230 million, indicating solid growth in lending. **Strategic Initiatives and Growth Drivers:** Aavas has undertaken significant technological transformations, including the implementation of a new digital loan origination platform and a loan management system that enhances scalability and operational efficiency.

The company aims to scale operations while focusing on customer experience through technology-driven solutions. **Business Developments:** Aavas expanded its branch network to 397 locations, with strategic openings enhancing its geographical reach.

The company successfully raised ₹15,765 million through NCDs at competitive rates, ensuring robust funding for growth initiatives. **Market Position and Competitive Advantage:** Aavas maintains a strong market presence in affordable housing finance with a diversified product portfolio and an in-house execution model promoting efficiency in lead generation, risk management, and collections. **Investor Implications:** The company's positive financial trajectory and expansion plans underline a constructive outlook for investors, emphasizing potential growth driven by technological advancements and improved financial metrics.