A major housing finance lender reported a 42.79% rise in its net consolidated profit for the quarter ended December 31, 2025. The profit after tax stood at ?483.27 crore in Q3 FY25, compared to ?338.44 crore in the same quarter of the previous fiscal, according to its regulatory filing.

The lender’s net consolidated total income rose to ?1,943.11 crore in Q3 FY25, marking a 10.66% increase from ?1,756 crore recorded in the corresponding period last year.

According to the company, the affordable housing segment performed strongly, delivering a robust 127% year-on-year growth in disbursements to ?920 crore during the quarter. Asset quality also continued to improve, with Gross NPA declining to 1.19% as of December 31, 2024.

The lender received a refinance sanction of ?5,000 crore and an external commercial borrowing (ECB) sanction of USD 100 million during the quarter.

Retail disbursements grew 31% year-on-year to ?5,380 crore in Q3 FY25, with the affordable and emerging market segments contributing 38% of total retail disbursements.

Gross NPA dropped by 54 bps to 1.19% as of December 31, 2024, compared to 1.73% a year earlier. The cost of borrowing stood at 7.83%, spread on loans at 2.29%, and yield at 10.12% in Q3 FY25.

Overall disbursements increased 29.9% year-on-year to ?5,380 crore, while loan assets grew 15.4% and assets under management (AUM) rose 12.1% during the quarter.

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