Highlights:

. The company has posted strong 50% surge in the overall AUM to Rs 62252 crore end March 2018 over March 2017. The loan portfolio of the company increased 48% to Rs 57014 crore, while the loans sold outstanding jumped 77% to Rs 5238 crore end March 2018 over March 2017.

. As per the company, the securitized loan book would constitute 8-10% of AUM, going forward.

. Within the loan portfolio, the home loan segment accounted for 71% of the overall loan book and non home loan segment had a share of 30% in the loan book. In the home loan book, the individual housing loans accounted for 59% and construction finance for 12%.

. The disbursements increased 45% to Rs 8739 crore in the quarter ended March 2018.

. As per the company, about 22% of disbursements were in below Rs 25 lakh category in 9MFY18.

. Gross NPA ratio eased to 0.33% at end March 2018 from 0.42% a quarter ago, while rose from 0.22% a year ago. Meanwhile, Net NPA ratio also eased to 0.25% at end March 2018 from 0.33% a quarter ago. The GNPA ratio for housing loans stood at 0.35% and non-housing loans at 0.27% end March 2018.

. The value of repossessed properties stood at Rs 179 crore end March 2018 compared with Rs 155 crore end March 2017.

. An incremental yield on home loan stood at 8.60%, construction finance at 11.86% and others at 10.08% and overall at 9.53%.

. The company expects maintain spreads in the range of 200-220 bps. The company has raised lending rates by 20 bps in April 2018.

. Deposits mix in borrowings is expected to increase to 23-25% in near term.

. With regard to capital raising, the company expects raising around 11-12x leverage and most likely in FY2020.

. The company has added new 21 branches and 8 new locations in FY18, while proposes to add 24 branches in 17 new locations in FY2019, after that the branch openings will be slower.

. The company has further reduced the opex to average asset ratio to 68 bps in FY2018 from 73 bps in FY2017, while expects to further reduce to 55 bps in the medium term.

. With regards to PMAY subsidy, the company has received subsidy of Rs 23 crore for 892 accounts.