Aavas Financiers Limited has announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The company presented an investor presentation detailing its financial performance and operational highlights. For the third quarter of FY26, Aavas Financiers reported a Profit After Tax (PAT) of ₹1,700.5 million, marking a 16.1% increase year-on-year from ₹1,464.2 million in Q3 FY25. Net Interest Income (NII) for the quarter grew by 18.2% to ₹3,978.5 million, compared to ₹3,366.7 million in the prior year period. Operating expenses saw a rise of 20.0% to ₹1,706.8 million, while credit costs increased by 29.3% to ₹78.5 million. For the nine months ended December 31, 2025, the company's PAT stood at ₹4,732.1 million, an increase of 12.6% from ₹4,204.3 million in the same period last year. NII for the nine-month period grew by 17.3% to ₹11,411.7 million. Operating expenses increased by 22.0% to ₹5,044.2 million, and credit costs rose by 38.9% to ₹270.7 million. The company's Assets Under Management (AUM) reached ₹222.04 billion as of December 31, 2025. The Net Worth stood at ₹48.6 billion, and the Capital to Risk Asset Ratio (CRAR) was 46.39%. The company served 2,62,443 active loan counts and maintained an average Loan to Value (LTV) of 55.33%. Retail loans constituted 99.5% of the portfolio.
