·            Affordable and Emerging Market segment contributed 40% to the retail disbursement in Q4 FY25.

·         Gross NPA declined by 42 bps to 1.08% as on 31st Mar 2025 as compared to 1.50% as on 31st Mar 2024.

·         Recovery from written-off pool continues with total recovery of INR 336 crore in FY25

·         Profit after Tax for FY25 is at INR 1,936 crore vs INR 1,508 crore ing an increase of 28% YoY

·         Capital Risk Adequacy Ratio stood at 29.38% as on 31st Mar 2025; Tier I stood at 28.39%.

·         The Board of Directors recommended a dividend of INR 5 per equity share having face value of INR 10/- for FY25, subject to the shareholder’s approval at the ensuing Annual General Meeting.

Financial performance (Q4 FY24-25 vs Q4 FY23-24 and Q3 FY24-25) 5k1tw

·         Net profit increased by 25.0% YoY and 14.0% QoQ to INR 550 crore

·         Net Interest Income grew by 16.2% YoY and 5.5% QoQ to INR 734 crore.

·         Operating expenditure grew by 18.2% YoY and 2.6% QoQ to INR 208 crore

·         Pre-provision operating profit grew by 14.1% YoY and 11.5% QoQ to INR 646 crore

·         Yield at 10.03% in Q4 FY25 as compared to 10.12% in Q3 FY25 and 10.08% in Q4 FY24

·         Cost of Borrowing is at 7.84% in Q4 FY25 as compared to 7.83% in Q3 FY25 and 7.98% in Q4 FY24

·         Spread on loans is at 2.19% in Q4 FY25 as compared to 2.29% in Q3 FY25 and 2.10% in Q4 FY24

·         Net Interest Margin stood at 3.75% in Q4 FY25 as compared to 3.70% in Q3 FY25 and 3.65% in Q4 FY24. Gross Margin, net of acquisition cost, stood at 4.27% in Q4 FY25

·         With recovery from write-off pool, Credit Cost was -32 bps in Q4 FY25 as compared to -19 bps in Q3 FY25 and 4 bps in Q4 FY24

Financial performance (FY24-25 vs FY23-24) e1i35

·         Profit after Tax is at INR 1,936 crore vs INR 1,508 crore in FY24 ing an increase of 28.4% YoY.

·         Net Interest Income grew by 9.3% YoY to INR 2,750 crore. The Net Interest Income for Retail segment grew by 15.0% YoY.

·         Operating expenditure increased by 21.3% YoY to INR 799 crore

·         Pre provision operating profit grew by 9.5% YoY to INR 2,328 crore

·         Yield at 10.05% in FY25 as compared to 10.35% in FY24

·         Cost of Borrowing is at 7.86% in FY25 as compared to 8.01% in FY24

·         Spread on loans is at 2.19% in FY25 as compared to 2.34% in FY24

·         Net Interest Margin stood at 3.70% in FY25 as compared to 3.74% in FY24. Gross Margin, net of acquisition cost, stood at 4.11% in FY25

·         With recovery from retail written off pool, Credit Cost was -21 bps in FY25 as compared to 25 bps in FY24

·         ROA improved by 35 bps YoY at 2.55% in FY25 (annualized)

·         ROE is at 12.19% (annualized) for FY25

Business Operations 3x5p8

·         The disbursements during FY25 grew by 25% YoY to INR 21,972 crore. For Q4 FY25, disbursement stood at INR 6,854 crore ing an increase of 23% YoY and by 27% QoQ.

o    Retail disbursement grew by 26% YoY to INR 21,938 during FY25. In Q4 FY25, retail disbursements grew by 24% YoY and by 27% QoQ to INR 6,854 crore.

·         Loan Asset grew by 16% YoY and 5% QoQ to INR 75,765 crore as on 31st Mar 2025

o    Retail loans grew by 18% YoY and 6% QoQ to INR 74,802 crore as on 31st Mar 2025. Within Retail, Affordable Loan Asset grew by 183% YoY to INR 5,070 crore, Emerging Markets Loan Asset grew by 21% YoY to INR 14,125 crore and Prime segment grew by 12% YoY to INR 55,607 crore as on 31st Mar 2025.

o    Corporate loans are at INR 963 crore as on 31st Mar 2025, reduced by 53% YoY

·         Asset under Management (AUM) grew by 13% YoY and 5% QoQ to INR 80,397 crore as on 31st Mar 2025

Distribution and Service Network 2u1yr

·         The Company has 356 branches / outreach locations as on 31st Mar 2025:

o    Affordable business presence in 200 branches

o    Dedicated 60 branches for Emerging Markets Segment

o    96 branches for Prime segment

Asset Quality 6i1n4s

·         Gross Non-Performing Assets stood at 1.08% as on 31st Mar 2025 as compared to 1.19% as on 31st Dec 2024 and 1.50% as on 31st Mar 2024

o    Retail GNPA is 1.09% as on 31st Mar 2025 as compared to 1.21% as on 31st Dec 2024 and 1.45% as on 31st Mar 2024

o    Corporate GNPA stands Nil as on 31st Mar 2025 and 31st Dec 2024 as compared to 3.31% as on 31st Mar 2024

·         Net NPA stood at 0.69% as on 31st Mar 2025. NNPA in Retail segment is at 0.70%

Capital to Risk Asset Ratio (CRAR) 5t6a6d

·         The Company’s CRAR stood at 29.38% as on 31st Mar 2025, of which Tier I capital is 28.39% and Tier II is 0.99% as compared to 29.26% as on 31st Mar 2024, of which Tier I capital is 27.90% and Tier II is 1.36%.

During the Financial Year 2024-25, the Company delivered strong performance across multiple parameters and sured its stated guidance for the year on growth, asset quality and profitability. The Retail Loan Asset grew by 18.2% YoY to INR 74,802 crore as on 31st March 2025, which was ed by growth in the Affordable and Emerging Markets segment. The Affordable segment Loan Asset crossed a significant milestone of INR 5,000 crore during the year. With focus on collections across buckets, the Gross NPA improved to 1.08% as on 31st Mar 2025 as compared to 1.50% as on 31st March 2024. On the back of strong business and financial performance, the RoA increased by 35 bps 2.55% for FY2024-25.

This remarkable progress is a testimony of our unwavering commitment to empowering individuals and families in their journey towards owning a home. As we progress, we will continue to focus on profitable growth while sustaining the Asset Quality.