Apollo Cash to contribute 5-10% of AUM in 12 months
Management expects the direct lending app to account for 5-10% of total AUM within the next year, with partnership business remaining at 90-95%.
APOLLOFINVEST / guidance tracker
Keep management guidance in view.
Apollo Finvest · forward-looking guidance across the available source record.
Research layer active
Guidance tracker
What management said would happen.
growth
Employee expenses to increase due to hiring
The company plans to hire experienced talent from the fintech industry, which will raise employee costs and impact near-term profits.
Debt-to-equity to increase from near zero
Management indicated plans to take on debt to scale up, targeting industry-standard leverage of 2.5-3x debt-to-equity.
Apollo Cash first-year disbursement target of ₹50 crore
Total disbursements for Apollo Cash in the first year (FY27) are expected to be around ₹50 crore, with AUM of ₹10-15 crore due to churn.
Apollo Cash to reach 15-20% of total loan book by year-end
By end of FY27, Apollo Cash is expected to constitute 15-20% of the total loan book.
Retail book proportion to increase further
Management expects the retail book (Apollo Cash + co-lending) to become the vast majority of AUM, with term loans reducing.
No external fundraise planned
Given low debt-to-equity, the company does not expect any external fundraise in the near term.