Arvog Q2 FY27 presentation: AUM up 95.4% to Rs 1,311.5 crore, PAT up 62.2%
Q2 FY27 AUM up 95.4% to Rs 1,311.5 crore, profit after tax up 62.2% to Rs 9.60 crore, but net NPA widened to 2.37% from 0.89%.
By ScoutQuest · · 1 min read
- AUM growth
- AUM up 95.4% to Rs 1,311.5 crore
- PAT growth
- profit after tax up 62.2% to Rs 9.60 crore
- Net NPA
- net NPA widened to 2.37% from 0.89%
- Period
- Q2 FY27
- Positioning
- Presents itself as a gold-loan NBFC running a dual-engine model of asset-backed secured gold lending plus cash-flow based unsecured credit, with 122 branches, 33,019 active gold loan customers and Rs 1,311.5 crore AUM
📉 In the latest quarter, total revenue from operations rose 87.17% year on year to Rs 89.93 crore from Rs 48.05 crore, and profit for the period rose 62.21% to Rs 9.60 crore from Rs 5.92 crore, as printed on the Q2 FY27 profit and loss slide.
📌 AUM stood at Rs 1,311.5 crore, up 95.4% from Rs 671.3 crore a year earlier, alongside 1,162.0 kg of gold under management, 122 branches against 92, and 33,019 active gold loan customers against 22,493.
📉 Asset quality and leverage moved the wrong way: net NPA was 2.37% versus 0.89% a year earlier (up 148 bps), leverage rose to 2.53 from 1.14, capital adequacy fell to 28.7% from 47.1% and return on average loan asset slipped to 3.0% from 3.9%.
🏭 The company says it has entered a co-lending partnership with Godrej Finance and RBL Bank under the RBI co-lending framework, with co-lending at 5.97% of AUM in Q2FY27, and states it will expand through cluster-led branches in high gold-ownership Tier-2/3 markets and digitised origination.
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More numbers
- Revenue from operations, Q2 FY2789.93 (INR Cr)
- Profit for the period, Q2 FY279.60 (INR Cr)
- Profit for the period, YoY growth, Q2 FY2762.21%
- Assets under management, Q2FY271,311.5 (Rs. crore)
- Assets under management, YoY growth, Q2FY2795.4%
- Branches, Q2FY27122
- Active customers (gold loans), Q2FY2733,019
- Net NPA, Q2FY272.37%
- Gold kgs under management, Q2FY271,162.0
- Co-lending contribution to AUM, Q2FY275.97%
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