Gurugram, 10th Might 2025: The Board of Administrators of Bharat Safe haven Finance Company at its assembly held lately, licensed the audited monetary effects for quarter and entire time ended March 31, 2025.
Key Efficiency Metrics:
Commenting at the efficiency, Mr. Rupinder Singh, Managing Director and CEO of Bharat Safe haven Finance Company stated: We’re happy to record but any other quarter and time of constant efficiency. We stay dedicated to resilience and disciplined execution, making sure robust monetary and operational efficiency.
Call for for inexpensive housing finance continues to boost up throughout Tier II, Tier III, and fast-growing micro-markets. Development in this momentum, with deep marketplace penetration, a robust branch-led distribution style, and a digital-first engagement way, we’re utmost credit score gaps and enabling households to understand their homeownership desires.
Throughout FY25, we endured to scale our operations and building up our distribution succeed in by way of including 43 untouched branches around the public totaling our department presence to 266 as of FY25. We delivered an AUM enlargement of 35% YoY to Rs. 8,189 Crs supported by way of a disbursement enlargement of 25% YoY to Rs. 933 Crs. We proceed to conserve robust on profitability, with PAT attaining Rs. 108 Crs for the quarter registering a enlargement of 39% YoY. Our go back ratios were on an making improvements to development with RoA making improvements to to five.8% and RoE attaining 16.3% for the primary day publish the IPO in Dec’23. Now we have been a hit in decreasing our Value of Price range by way of 10 bps to eight.7% with spreads making improvements to to six.2%, making sure sustained profitability.
As we stay dedicated in opposition to sustainable finance, we have now offered our ESG Coverage, in the course of the implementation of this coverage, we search to succeed in a sustainable presen for our stakeholders and presen generations.
Profitability:
● Benefit next tax grew by way of 38% YoY to Rs. 108 Crs in Q4FY25
● RoA advanced to five.8% in Q4FY25
● RoE advanced 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 advanced by way of 10bps to eight.7%
Asset Attribute & Provisions:
● Rude Level 3 and Web Level 3 have been at 1.0% and zero.8% as of March’25
● 30+ DPD stood at 3.1% as of March’25
● Credit score Value for the quarter got here in at 0.2%
Put up Perspectives: 12
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