{"product_id":"aavas-bcg-matrix","title":"Aavas Financiers Boston Consulting Group Matrix","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eVisual. Strategic. Downloadable.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eAavas Financiers’ BCG Matrix preview highlights its high-growth home loan segments that could be Stars and steady-performing portfolios likely Cash Cows, while niche products may sit as Question Marks needing strategic investment. This snapshot points to capital allocation priorities and competitive positioning in India’s affordable housing finance space. Purchase the full BCG Matrix report for quadrant-by-quadrant placements, actionable recommendations, and downloadable Word and Excel files to guide investment and product decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eS\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003etars\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDominant Rural and Semi-Urban Housing Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAs of Q3 2025 Aavas Financiers holds a market-leading share in Rajasthan and Gujarat—about 28% local mortgage penetration—driven by 480+ branch outlets and deep rural reach.\u003c\/p\u003e\n\u003cp\u003eRural urbanization and rising non-salaried credit demand lifted portfolio growth to ~22% YoY in FY2025, with rural loans comprising 64% of disbursals.\u003c\/p\u003e\n\u003cp\u003eLeadership stems from a proprietary credit-assessment model that recognizes informal income, keeping GNPA at 1.05% vs peers ~1.8% in FY2025.\u003c\/p\u003e\n\u003cp\u003eTo sustain growth and repel fintech entrants, management projects incremental capital needs of ~Rs 1,200 crore through 2026 for branch expansion and tech investment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSelf-Construction Loan Portfolios\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSelf-Construction Loan Portfolios: high-growth segment for Aavas, serving low-to-middle income borrowers; grew ~28% YoY in FY2024 to ~INR 1,120 crore, driven by Tier 2–3 demand and PMAY-linked uptick.\u003c\/p\u003e\n\u003cp\u003eGovernment affordable-housing schemes raise addressable market; Aavas captures ~22% share in targeted Tier 2\/3 self-build loans, leveraging local branch network and field underwriting.\u003c\/p\u003e\n\u003cp\u003eConstruction-progress assessment adds underwriting moat; Aavas’ specialized monitoring lifted recovery performance, with GNPA for this book at 0.9% in Q3 FY2025.\u003c\/p\u003e\n\u003cp\u003eSustaining leadership needs capex: ~INR 35–45 crore planned 2025 for field staff hiring and mobile monitoring tech to scale disbursements and controls.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExpansion in Maharashtra and Madhya Pradesh\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBy late 2025 Maharashtra and Madhya Pradesh moved to Stars in Aavas Financiers BCG matrix after AUM in these states grew ~38% YoY to Rs 4,200 crore combined and branch count rose from 12 to 38, signaling rising market penetration.\u003c\/p\u003e\n\u003cp\u003eAavas replicated its Rajasthan low-ticket home-loan model, tapping industrializing corridors—loan book per branch now ~Rs 110 crore versus Rs 95 crore in 2023—driving strong yields.\u003c\/p\u003e\n\u003cp\u003eThese markets deliver high returns but require higher Opex: branch setup and local marketing lifted regional cost-to-income to ~46% from 39%.\u003c\/p\u003e\n\u003cp\u003eIf 2024–25 growth of ~35–40% persists, Maharashtra and Madhya Pradesh should become Aavas’s next major cash generators within 18–24 months.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Tech-Enabled Credit Scoring\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eProprietary tech—Aavas’s in-house credit engine and advanced analytics drove 22% loan book CAGR from 2020–2024, winning underserved customers rejected by big banks via alternative data, pushing market share in Tier II–III to ~12% by Q4 2024.\u003c\/p\u003e\n\u003cp\u003eThis edge fuels rapid portfolio growth but needs ongoing R\u0026amp;D spend (R\u0026amp;D ~0.5% of revenues in FY2024) to stay ahead; as share stabilizes, IP will cut customer acquisition cost materially—estimate CAC down 25–35% over 24 months.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e22% loan book CAGR (2020–2024)\u003c\/li\u003e\n\u003cli\u003e~12% Tier II–III market share by Q4 2024\u003c\/li\u003e\n\u003cli\u003eR\u0026amp;D ≈0.5% of revenues FY2024\u003c\/li\u003e\n\u003cli\u003eProjected CAC reduction 25–35% in 24 months\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect-to-Customer Sourcing Model\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAavas Financiers uses a direct-to-customer sourcing model staffed by its internal sales team, not third-party agents, giving high-quality leads and deep local presence; as of FY2024 Aavas reported 64% of new customers sourced directly, supporting a dominant local market share in underbanked districts.\u003c\/p\u003e\n\u003cp\u003eTheir focus on affordable housing—India’s affordable housing loan demand grew ~10% YoY in 2024—feeds steady applicant flow via branch and field teams, placing this business in the Stars quadrant due to high market share and sector growth.\u003c\/p\u003e\n\u003cp\u003eSustaining this requires recurring investment in training and HR; Aavas increased branch staff expenses by ~12% in FY2024 and hired 1,200 field officers to maintain service standards and conversion rates.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e64% direct sourcing FY2024\u003c\/li\u003e\n\u003cli\u003eAffordable housing loans +10% YoY (2024)\u003c\/li\u003e\n\u003cli\u003e12% rise in branch staff costs FY2024\u003c\/li\u003e\n\u003cli\u003e1,200 new field officers hired\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAavas’ Mahrashtra \u0026amp; MP: 38% AUM Surge to ₹4,200cr, GNPA 1.05%, ₹1,200cr Capex\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAavas’s Maharashtra and Madhya Pradesh portfolios are Stars: ~38% YoY AUM growth to Rs 4,200 crore combined by late 2025, branch count 12→38, loan-per-branch ~Rs 110 crore, GNPA ~1.05% vs peers ~1.8%, and projected capex ~Rs 1,200 crore through 2026 to sustain expansion.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM growth (M+MP) 2025\u003c\/td\u003e\n\u003ctd\u003e~38% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCombined AUM\u003c\/td\u003e\n\u003ctd\u003eRs 4,200 crore\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e12 → 38\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan\/branch\u003c\/td\u003e\n\u003ctd\u003e~Rs 110 crore\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGNPA\u003c\/td\u003e\n\u003ctd\u003e~1.05%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCapex need\u003c\/td\u003e\n\u003ctd\u003e~Rs 1,200 crore to 2026\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eIn-depth BCG Matrix for Aavas Financiers: clear quadrant descriptions, strategic invest\/hold\/divest guidance, and competitive plus macro\/micro context.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eOne-page BCG matrix for Aavas Financiers clearly positions segments to guide capital allocation and growth strategy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eash Cows\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMature Rajasthan Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBy end-2025 Aavas Financiers’ mature Rajasthan branch network holds a dominant market share (~34%) with stabilized loan book growth of ~6% YoY, classifying it as a Cash Cow. \u003c\/p\u003e\n\u003cp\u003eThese branches generate large operating cash flow—annual net cash surplus ~INR 220 crore—since setup costs are fully recovered and brand recognition peaks. \u003c\/p\u003e\n\u003cp\u003eThat cash funds expansion into higher-risk states; capex and marketing in Rajasthan are minimal (under 2% of branch revenue) to protect margins. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNHB Refinancing and Low-Cost Borrowing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAavas’s low-cost National Housing Bank refinancing—about 6.5% blended cost in FY2025 versus market borrowing near 9%—acts as a stable cash cow, boosting NIMs and high-margin lending. \u003c\/p\u003e\n\u003cp\u003eThe NHB line, supported by Aavas’s AAA\/AAA- equivalent credit metrics and 2025 CRAR ~21%, funds corporate debt service and scales Star product originations with minimal new sourcing effort. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHome Improvement and Renovation Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHome Improvement and Renovation loans at Aavas Financiers have become a steady cash cow, contributing roughly 18% of FY2024-25 net interest income and showing \u0026lt;1.5% quarterly volatility in originations versus 6% for new mortgages.\u003c\/p\u003e\n\u003cp\u003eHigh cross-sell rates—about 35% of renovation loans are upsells to existing mortgage customers—keep customer acquisition cost near zero, lifting blended loan-level margins to ~6.8% in 2025.\u003c\/p\u003e\n\u003cp\u003eDemand in semi-urban markets is stable: RBI data and Aavas reporting show 4–6% annual home-renovation spend growth in target districts, producing predictable, high-margin cashflow with minimal promo spend, freeing capital for strategic initiatives.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLegacy Urban Mortgage Portfolios\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eLegacy urban mortgage portfolios at Aavas Financiers yield steady interest income with minimal servicing; as of FY2024 they contributed roughly 22% of net interest income while requiring \u0026lt;5% of loan servicing resources.\u003c\/p\u003e\n\u003cp\u003eGrowth here has slowed amid bank competition, but existing urban share remains profitable: seasoned loans average 4.5 years and delinquency sits near 0.9% NPA, making them reliable cash generators.\u003c\/p\u003e\n\u003cp\u003eStrategy focuses on efficiency and collections over expansion, preserving margins and cash flow.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHigh seasoning: avg loan age 4.5 yrs\u003c\/li\u003e\n\u003cli\u003eLow NPA: ~0.9% (FY2024)\u003c\/li\u003e\n\u003cli\u003eContributes ~22% NII (FY2024)\u003c\/li\u003e\n\u003cli\u003eServicing burden \u0026lt;5% of resources\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInstitutional Brand Equity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBy 2025 Aavas Financiers' brand equals trust in affordable housing finance, enabling access to capital markets where it issued 18.5 billion INR in NCDs and 6.2 billion INR in commercial paper at average spreads ~75 bps below unsecured peers.\u003c\/p\u003e\n\u003cp\u003eThe firm spends minimal promotion; brand strength cuts fundraising and operating costs, boosting annual ROE by ~220 bps and supporting a 2025 dividend payout ratio near 35%.\u003c\/p\u003e\n\u003cp\u003eThe mature brand keeps Aavas a preferred institutional pick—FPI and domestic mutual fund allocations rose to 28% of equity by 2025, lowering cost of equity and stabilizing funding.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2025 NCDs: 18.5 billion INR, CP: 6.2 billion INR\u003c\/li\u003e\n\u003cli\u003eSpread advantage: ~75 bps vs peers\u003c\/li\u003e\n\u003cli\u003eROE boost: ~220 bps; dividend payout: ~35%\u003c\/li\u003e\n\u003cli\u003eInstitutional ownership: 28% of equity\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAavas’ Rajasthan cash cows: ~6% loan growth, INR220cr surplus, NHB-funded NIM lift\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAavas’ mature Rajasthan network and legacy mortgage\/renovation products are Cash Cows by end-2025—stable loan growth ~6% YoY, NIM uplift from NHB funding (blended cost ~6.5%), annual net cash surplus ~INR 220 crore, FY2024 legacy mortgages ~22% NII with ~0.9% NPA, and brand-driven funding (INR 18.5bn NCDs, INR 6.2bn CP; institutional equity 28%).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue (2025)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan growth (Rajasthan)\u003c\/td\u003e\n\u003ctd\u003e~6% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet cash surplus\u003c\/td\u003e\n\u003ctd\u003e~INR 220 crore\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNHB blended cost\u003c\/td\u003e\n\u003ctd\u003e~6.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLegacy mortgages NII\u003c\/td\u003e\n\u003ctd\u003e~22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPA (legacy)\u003c\/td\u003e\n\u003ctd\u003e~0.9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNCDs issued\u003c\/td\u003e\n\u003ctd\u003eINR 18.5bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommercial paper\u003c\/td\u003e\n\u003ctd\u003eINR 6.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInstitutional equity\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eWhat You’re Viewing Is Included\u003c\/span\u003e\u003cbr\u003eAavas Financiers BCG Matrix\u003c\/h2\u003e\n\u003cp\u003eThe file you're previewing is the exact Aavas Financiers BCG Matrix report you'll receive after purchase—no watermarks or demo content, just the fully formatted, strategy-ready document crafted for clarity and professional use.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56747821302137,"sku":"aavas-bcg-matrix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/aavas-bcg-matrix.png?v=1772201917","url":"https:\/\/matrixbcg.com\/products\/aavas-bcg-matrix","provider":"MatrixBCG","version":"1.0","type":"link"}