Key Financial Results (Q4 FY 25 and YTD Mar 2025):

• Disbursements at ₹ 26,417 Cr for the quarter (Up by 7%) and ₹ 1,00,869 Cr for FY 24-25 (Up by 14% YoY)
•  Total AUM at ₹ 1,99,876 Cr (Up by 30% YoY)
• Net Income for the quarter was at ₹ 3,758 Cr (Up by 29% YoY) and ₹ 13,570 Cr for FY 24-25 (Up by 36% YoY)
• PAT at ₹ 1,267 Cr for the quarter (Up by 20% YoY) and ₹ 4,259 Cr for FY 24-25 (Up by 24%)

Chennai, April 25^th, 2025: The Board of Directors of CIFCL today approved the audited financial results for the quarter and year ended 31^st March 2025. 

Performance Highlights: 

·         Aggregate disbursements in Q4 FY 25 were at ₹ 26,417 Cr as against ₹ 24,784 Cr in Q4 FY 24 registering a growth of 7%. Disbursements for FY 24-25 were at ₹ 1,00,869 Cr as against ₹ 88,725 Cr registering a growth of 14% on a Y-o-Y basis. 

·         Vehicle Finance (VF) disbursements were at ₹ 14,430 Cr in Q4 FY 25 as against ₹ 12,962 Cr in Q4 FY24, registering a growth of 11%. Disbursements for FY 24-25, were at ₹ 53,922 Cr as against ₹ 48,348 Cr in the previous year, registering a growth of 12% Y-o-Y. 

·         Loan Against Property (LAP) business disbursed ₹ 5,539 Cr in Q4 FY 25, as against ₹ 4,273 Cr in Q4 FY24, registering a growth rate of 30%. Disbursements for FY 24-25, were at ₹ 17,913 Cr as against ₹ 13,554 Cr in the previous year, registering a growth of 32% Y-o-Y. 

·         Home Loan business disbursed ₹ 1,983 Cr in Q4 FY 25, as against ₹ 1,747 Cr in Q4 FY24 registering a growth of 14%. The Disbursements for FY 24-25 were at ₹ 7,404 Cr as against ₹ 6,362 Cr in the previous year, registering a growth of 16% Y-o-Y. 

·         Small and Medium Enterprises Loan (SME) business disbursed ₹ 1,733 Cr in Q4 FY 25, as against ₹ 2,136 Cr in Q4 FY24. The disbursements for FY 24-25 were at ₹ 7,763 Cr, as against ₹ 8,106 Cr in FY 23-24. The drop in disbursement in this segment is due to the concious decision to slow down on low ROTA products such as Supply Chain Finance. 

·         Consumer and Small Enterprise Loans (CSEL) disbursed ₹ 2,328 Cr in Q4 FY 25, as against ₹ 3,301 Cr in Q4 FY24. The disbursements for FY 24-25 were at ₹ 12,552 Cr, as against ₹ 11,281 Cr in the previous year, registering a growth of 11% Y-o-Y. The drop in disbursement in CSEL in Q4 is due to the concious decision to progressively exit from Fintech partnership led volumes. 

·         Secured Business and Personal Loan (SBPL) disbursed ₹ 404 Cr in Q4 FY 25, as against ₹ 366 Cr in Q4 FY24 registering a growth of 10%. The disbursements for FY 24-25 were at ₹ 1,316 Cr, registering 23% growth over ₹ 1074 Cr in FY 23-24. 

·         Assets under management as of 31^st March 2025, stood at ₹ 1,99,876 Cr as compared to ₹ 1,53,718 Cr as of 31^st March 2024, clocking a growth of 30% Y-O-Y. 

·         PBT Growth in Q4 was at 19% and for FY 24-25 was at 25%. 

·         PBT-ROA for Q4 FY 25 was at 3.6% and for FY 24-25 was at 3.3%. 

·         ROE for Q4 FY 25 was at 22.2% and for FY 24-25 was at 19.8%. 

·     The Company continues to hold a strong liquidity position with ₹ 15,267 Cr as cash balance as at the end of Mar’2025 (including Rs 5866 held as HQLA for LCR purposes and shown under investments). The total liquidity position was ₹ 15,712 Cr (including undrawn Consortium sanctioned lines).  The ALM is comfortable with no negative cumulative mismatches across all-time buckets. 

·         Consolidated Profit Before Tax (PBT) for Q4 FY 25 was at ₹ 1,698 Cr as against ₹ 1,428 Cr in Q4 FY 24 registering a growth of 19% and for FY 24-25 was at ₹ 5,741 Cr as against ₹ 4,605 Cr in FY 23-24 registering a growth of 25%. 

·         We are launching Gold Loan business in select geographies.