20%+ AUM growth aspiration
Management targets consistent 20%+ AUM growth to outperform industry, driven by sharper execution and geographic expansion.
AAVASFINANCIERS / guidance tracker
Keep management guidance in view.
Aavas Financiers · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
growth
Credit cost below 25bps sustainable
Management reiterated guidance to keep credit costs under 25bps on a sustainable basis, supported by strong underwriting.
Opex to AUM ratio below 3% in 2-3 years
CFO guided that opex to AUM ratio will trend below 3% as balance sheet doubles, driven by operating leverage.
Spread to remain above 5%
Management expressed confidence in maintaining spread above 5% through risk-adjusted pricing and stable cost of funds.