Manu Singh — CEO Promise Tracker & Credibility Score

Promise Delivery Record

50% delivery rate

2 of 4 tracked promises delivered across 1 company.

2 met 1 close 1 missed

Spread to remain around 5.20-5.25%

Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.

Aavas Financiers · Q4 FY26

✗ MISSED

Full-year AUM growth of ~18%

Current-quarter results and commentary indicate the prior promise was delivered or materially on track.

Aavas Financiers · Q3 FY26

✓ MET

20-25 new branches in H2 FY26

Current-quarter results and commentary indicate the prior promise was delivered or materially on track.

Aavas Financiers · Q3 FY26

✓ MET

Credit cost below 25 bps on sustainable basis

Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.

Aavas Financiers · Q3 FY26

~ CLOSE

Increase of yield by no manner suggests increase of risk.

Manu Singh · Aavas Financiers Q4 FY26

We are not going to get into more riskier segments. We continue to maintain our guidance on credit costs.

Manu Singh · Aavas Financiers Q4 FY26

Our aspiration clearly is to consistently deliver 20% plus AUM growth largely to outperform industry.

Manu Singh · Aavas Financiers Q4 FY26