Finance company Northern Arc Capital announced Q3FY25 results Pre-provision operating profit (PPoP) grew by 9% YoY to Rs 176 crore for Q3FY25 Profit after tax was Rs 76 crore for Q3FY25 Lending Assets Under Management (AUM) grew by 16% YoY to Rs 12,250 crore Gross NPA and Net NPA ratio was 0.90% and 0.37% respectively as on December 31, 2024 Networth grew by 55% YoY to Rs 3,405 crore Gross Transaction Volume for Q3FY25 was Rs 7,523 crore Of which, Disbursements grew by 31% YoY to {NR 4,780 crore Net Interest Income grew by 10% YoY to Rs 267 crore for Q3FY25 Fee & Other income was Rs 21 crore for Q3FY25 PPoP grew by 9% YoY to Rs 176 crore for Q3FY25 Credit cost was Rs 81 crore for Q3FY25 compared to Rs 53 crore for Q3FY24 Profit after tax was Rs 76 crore for Q3FY25 compared to Rs 75 crore for Q3FY24 Return on Assets was stable at 2.4% for Q3FY25 Commenting on the Q3FY25 & 9MFY25 results MD & CEO Ashish Mehrotra said, “The first nine months of this financial year have presented considerable challenges for the lending industry. In these dynamic times, our business model has demonstrated its resilience, enabling us to effectively manage our sectoral exposure. This agility allows us to adjust our focus by strategically ramping up or scaling down sectors in response to changing market conditions. Despite these headwinds, we have achieved a 16% YoY growth in AUM, reaching Rs 12,250 crore, with 52% of our portfolio consisting of a granular, direct-to-customer segment. Our disciplined approach to risk management and targeted expansion has also led to a 22% YoY increase in PAT to Rs 267 crore, with a ROA of 2.9% in 9MFY25" Result PDF