| Metric | Value (₹ Cr) | vs Q4 FY25 |
|---|---|---|
| Revenue | 4.71 | 9.6% |
| Total Income | 4.71 | 9.6% |
| Expenditure | 0.72 | 73.4% |
| PBT | 3.99 | 149.8% |
| Net Profit | 2.99 | 1090.0% |
| OPM | 96.89% | 46.39pp |
| NPM | 63.42% | 57.58pp |
| EPS | 1.92 | 1100.0% |
Aastamangalam Finance Ltd. Reports 70% CAGR Loan Book Growth in Q1 FY 2025-26, Improves Asset Quality
14 Aug 2025 · 14 Aug 2025, 08:22 pm
Summary
Aastamangalam Finance Ltd., a non-deposit-taking NBFC based in Chennai, Tamil Nadu, has reported a 70% CAGR loan book growth in Q1 FY 2025-26. The company has also improved its asset quality, with gross NPA reducing to 1.57% and net NPA at zero. The company has a strong focus on the construction sector, with over 55% of the loan book concentrated in this sector. The company has maintained healthy spreads and cost efficiency, with a cost-to-income ratio of approximately 47.6% in FY25.
Key Highlights
- 1
Loan book stood at approximately INR 114 crore as of June 30, 2025
- 2
Gross NPA reduced to 1.57%
- 3
Net NPA stood at zero
- 4
Provision coverage ratio remains in the range of 95 - 100%
- 5
Company successfully raised INR 28 crore through a rights issue
- 6
Healthy spreads with the company borrowing funds at an average cost of 4.5 to 7.5% and lending at around 12%
- 7
Cost efficiency with a cost-to-income ratio of approximately 47.6% in FY25
- 8
Over 55% of the loan book is concentrated in the construction sector
Management Comments
Rekha M. Jain
Bhavika M. Jain, and Khushbu M. Jain
Since transition, the company has focused on building a scalable and sustainable lending business, supported by disciplined credit underwriting and targeted sector expertise. With over four decades of experience in financial services brought in by the promoter family, it has strengthened its position through improved asset quality, conservative risk management, and regionally concentrated lending.
Informational and educational content only. Not investment advice.