Usha Financial Services Reports 33.80% AUM Growth in FY 2024-25

Usha Financial Services Limited, a leading non-banking financial company (NBFC), announced its audited financial results for the half year and year ended on 31st March 2025. This marks the company’s first financial disclosure since its listing on the NSE. Usha Financial delivered a strong performance with a 33.80% year-on-year growth, achieving Rs. 41,070.17 lakh in its assets under management. The results reflect the company’s consistent focus on expanding its loan portfolio, improving margins, and driving operational efficiency.

For the full financial year FY 2024-25, the company reported Profit Before Tax (PBT) of Rs. 1817.00 Lakhs. While the Net Worth nearly doubled, rising 99.15% to Rs. 21,115.09 lakh. The Capital Adequacy Ratio (CRAR) improved to 49.78%, up from 33.03% in FY24, indicating a stronger capital position. Loan disbursements for the year totaled Rs. 47,352.02 lakh, registering a 51.50% increase from Rs. 31,255.43 lakh reported in FY24.

In the second half of FY2024- 25, the company reported a 6.70% year-on-year (YoY) increase in total income at Rs. 3,381.08 lakh, compared to Rs. 3,168.78 lakh in H2 FY24. Profit Before Tax (PBT) rose sharply by 31.09% YoY to Rs. 1,154.93 lakh, while Profit After Tax (PAT) stood at Rs. 875.95 lakh, growing 35.30% over the corresponding period last year. PAT margin also improved significantly to 25.91% from 20.43% in H2 FY24. Loan disbursements for the period surged to an all-time high of Rs. 28,542.75 lakh, marking a robust 59.04% increase YoY.

Speaking about the performance and recent updates, Mrs. Geeta Goswami, CEO and Director of Usha Financial Services Ltd. said: “Announcing our first financial results post-listing is a significant milestone for Usha Financial Ltd. With a significant growth in AUM, strong revenue momentum, and improved margins driven by operational efficiency, FY25 has been robust. Our expanding presence across 20 states, 80% women borrower base, and a strong network of 100+ NBFC partners reflect the trust we've built. We remain committed to sustained, long-term growth in the periods ahead.”

As the company continues to build on its strengths and expand its reach, it is well-positioned to capitalize on emerging opportunities in the NBFC sector.