Usha Financial Services has disclosed 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 per cent 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 per cent to Rs. 21,115.09 lakh. The Capital Adequacy Ratio (CRAR) improved to 49.78 per cent, up from 33.03 per cent in FY24, indicating a stronger capital position. Loan disbursements for the year totaled Rs. 47,352.02 lakh, registering a 51.50 per cent increase from Rs. 31,255.43 lakh reported in FY24.
In the second half of FY2024- 25, the company reported a 6.70 per cent 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 per cent YoY to Rs. 1,154.93 lakh, while Profit After Tax (PAT) stood at Rs. 875.95 lakh, growing 35.30 per cent over the corresponding period last year.
PAT margin also improved significantly to 25.91 per cent from 20.43 per cent 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 per cent increase YoY.
Speaking about the performance and recent updates, Geeta Goswami, CEO and Director of Usha Financial Services 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 per cent 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 capitalise on emerging opportunities in the NBFC sector.
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