Gurugram, 10th Might 2025: The Board of Administrators of Bharat Refuge Finance Company at its assembly held as of late, authorized the audited monetary effects for quarter and whole era ended March 31, 2025.
Key Efficiency Metrics:
Commenting at the efficiency, Mr. Rupinder Singh, Managing Director and CEO of Bharat Refuge Finance Company mentioned: We’re happy to file but any other quarter and era of constant efficiency. We stay dedicated to resilience and disciplined execution, making sure robust monetary and operational efficiency.
Call for for reasonably priced housing finance continues to boost up throughout Tier II, Tier III, and fast-growing micro-markets. Construction in this momentum, with deep marketplace penetration, a robust branch-led distribution type, and a digital-first engagement method, we’re last credit score gaps and enabling households to understand their homeownership goals.
Throughout FY25, we persevered to scale our operations and building up our distribution succeed in by way of including 43 untouched branches around the family totaling our department presence to 266 as of FY25. We delivered an AUM expansion of 35% YoY to Rs. 8,189 Crs supported by way of a disbursement expansion of 25% YoY to Rs. 933 Crs. We proceed to preserve robust on profitability, with PAT attaining Rs. 108 Crs for the quarter registering a expansion of 39% YoY. Our go back ratios had been on an bettering pattern with RoA bettering to five.8% and RoE attaining 16.3% for the primary hour put up the IPO in Dec’23. We now have been a success in lowering our Price of Finances by way of 10 bps to eight.7% with spreads bettering to six.2%, making sure sustained profitability.
As we stay dedicated in opposition to sustainable finance, we’ve offered our ESG Coverage, in the course of the implementation of this coverage, we search to succeed in a sustainable year for our stakeholders and year generations.
Profitability:
● Benefit nearest tax grew by way of 38% YoY to Rs. 108 Crs in Q4FY25
● RoA progressed to five.8% in Q4FY25
● RoE progressed to 16.3% in Q4FY25
Borrowings & Liquidity:
● Networth is at Rs. 2,709 Crs as of March’25. The corporate continues to hold a liquidity of Rs. 1,480 Crs as of March’25
● In Q4FY25, the price of price range progressed by way of 10bps to eight.7%
Asset Detail & Provisions:
● Rude Level 3 and Web Level 3 had been at 1.0% and zero.8% as of March’25
● 30+ DPD stood at 3.1% as of March’25
● Credit score Price for the quarter got here in at 0.2%
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