Investor Presentaiton
Superior in-house Processes leading to Pristine Asset Quality
Aavas
FINANCIERS LTD
SAPNE AAPKE, SAATH HAMAARA
Testimony of Underwriting Performance
Behaviour of cases disbursed in last 2 financial year (FY21 - FY23)
0.66% 0.66%
0.16% 0.12%
INR cr.
22,000
87k
7,745
571
135
51
9.5
Disbursement of fresh cases
# of cases
1+ DPD
Amount (INR cr.)
90+ DPD
Cumulative Disbursement
% of fresh disbursement
84k
Behaviour of cases declined by Credit¹
24k
30+ DPD
Life time write-off/Life-
time disbursal: 0.11%
25
Cumulative write-offs
Average credit costs (FY20-FY23) on Avg. AUM: 0.23%
Performance of new geographies (entered in last 5 yrs)
2.07%
5.14%
Rejected customers
performed 5 times worse
0.97%
# of cases rejected
# of customers who
Rejected Customers
Aavas
FINANCIERS LTD
got mortgage loan
SAPNE AAPKE, SAATH HAMAARA
from other lenders
Note: 1. Rejected cases were analyzed between May-20 to Dec-21 and performance of 12 months captured till Dec-22
0.38%
1+ DPD
90+ DPD
26View entire presentation