MAS Financial Services Reports Strong Q3 FY25 Results, Net Profit at ₹78.11 Crores

Ahmedabad, January 29, 2025 – MAS Financial Services Limited (NSE: MASFIN, BSE: 540749) has announced robust financial performance for the third quarter and nine months ended December 31, 2024. This performance reflects strong growth and profitability in assets under management (AUM).

Key Financial Highlights (Q3 FY25 - Consolidated)​

• Assets Under Management (AUM): ₹11,677.38 crores, a 20.73% YoY growth.
• Total Income: ₹390.09 crores (vs. ₹327.92 crores in Q3 FY24), up 27.17% YoY.
• Profit Before Tax (PBT): ₹105.10 crores, up 24.36% YoY.
• Net Profit (PAT): ₹78.11 crores, marking a 25.09% YoY growth.
• Basic EPS: ₹4.31 (vs. ₹3.88 in Q3 FY24).
• Capital Adequacy Ratio: 25.34%, with Tier-1 Capital at 23.13%.

Nine-Month Financial Overview (9MFY25)​

• Total Income: ₹1,103.54 crores, reflecting a 22.81% YoY increase.
• Net Profit: ₹225.11 crores (vs. ₹179.70 crores in 9MFY24), showing 25.27% YoY growth.
• Total Comprehensive Income: ₹227.91 crores, driven by operational efficiency and market expansion.

Segment-Wise AUM Performance​

• Micro-Enterprise Loans: ₹4,704.52 crores (+8.28% YoY).
• SME Loans: ₹4,272.64 crores (+23.83% YoY).
• Two-Wheeler Loans: ₹808.84 crores (+20.56% YoY).
• Commercial Vehicle Loans: ₹969.47 crores (+46.57% YoY).
• Salaried Personal Loans: ₹921.91 crores (+69.33% YoY).

Regulatory & Corporate Updates​

• Interim Dividend: ₹1.00 per share (10% of face value of ₹10 per share).
• Investment: Approved ₹15 crore investment in MAS Rural Housing & Mortgage Limited.
• Debt-Equity Ratio: 3.22 times, maintaining strong financial stability.
• Gross Stage 3 Assets: 2.41%, while Net Stage 3 Assets: 1.62%.

Market Outlook & Growth Strategy​

MAS Financial Services continues to expand its market presence in the MSME financing sector, with steady AUM growth and a focus on risk management. The company remains committed to sustainable profitability and long-term financial stability.