Avanse Financial Services Ltd

India's Second Largest Education Focused NBFC by AUM and Disbursements, and Operating in a Large and Growing Addressable Market in India.

Pan-India, Multi-Channel Distribution Presence, Enabling Widespread Coverage with Limited Reliance on Branches.

Data-Analytics Driven Underwriting backed by a Robust Enterprise Risk Management and Collections Framework, Leading to a Healthy Asset Quality.

Technology and Analytics-Driven Business, with Scalable Operating Model.

Its Erstwhile Promoters are subject to certain ongoing regulatory investigations by enforcement agencies including the Enforcement Directorate and the outcome of such investigations may adversely impact it and the Equity Shares of face value of 5 each held by its Promoter and the market price of its Equity Shares.

The company requires substantial capital for its business and any disruption in the cost and availability of capital, including the company sources of financing, could have an adverse effect on its business, results of operations, financial condition and cash flows.

The company relies on counsellors, aggregators and direct selling agents for the origination of its loans. Any disruption, negligence, fraud or inefficiency in the services provided by counsellors and aggregators could adversely affect its business, results of operation, financial condition and cash flows.

Our student loans - international business is largely concentrated in the United States, Canada and the United Kingdom. This exposes it to political and macro-economic risks in these geographies, which could adversely affect its business, results of operations and cash flows.