Overview

Detailed Summary

Aavas Financiers Ltd. is a NHB-registered housing finance company focused on affordable housing and MSME loans, operating a branch-led model across 15 states with 404 branches, predominantly in Tier-3+ towns and an average ticket size around ₹1.0 million, serving mainly self-employed retail borrowers with emphasis on EWS/LIG segments.
Financially, Aavas reported AUM of ₹222.04 billion (+15% YoY), 9MFY26 disbursements of ₹44.3 billion, PAT of ₹4,739 million (9M) and robust profitability metrics with NIM at 7.82% and ROE ~14.29%, supported by a strong capital base (net worth ~₹48.6 billion) and CRAR of 46.4%.
Asset quality remains best-in-class with GNPA/NNPA at 1.19%/0.79% and 1+ DPD at 3.80%; lifetime write-offs remain negligible, and total ECL provisioning stands at ₹1.27 billion, reinforcing a credit-first strategy that the management emphasizes as core to sustainable scaling.
Aavas has completed a major technology transformation (Salesforce LOS, Oracle FLEXCUBE LMS, Oracle Fusion ERP) with AI-enabled KYC and collections, yielding faster login-to-sanction TAT (~54% reduction) and digital-led business growth (~2.9x), which management cites as a core enabler for improving productivity and lowering opex-to-asset ratio.
Liquidity and liabilities are diversified: borrowings ₹193 billion with 33+ lenders, long average tenor, AA/Positive ratings from CARE and AA/Stable from ICRA, and a documented liquidity buffer of ~₹44 billion, enabling confident near-term funding for the branch expansion and product growth initiatives.

Sector: Finance
Industry: Housing Finance Company
Market Cap: 11,023 Cr
Volatility: Low Risk
P/E Ratio: 22.5
Industry P/E: 19.0
PEG Ratio: 0.8
P/B Ratio: 2.9
52W High: 1,856.00
52W Low: 1,050.25

Sales CAGR

1Y: 25.43%
3Y: 21.76%
5Y: 21.15%
10Y: 31.74%

Profit CAGR

1Y: 14.21%
3Y: 17.18%
5Y: 18.17%
10Y: 37.79%

ROE

TTM: 13.00%
3Y: 13.11%
5Y: 12.89%
10Y: 12.21%

ROCE

TTM: 8.96%
3Y: 9.06%
5Y: 9.01%
10Y: 9.04%

Technicals

Oscillators

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Bullish

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Analyst Target, Price, EPS and Revenue Projections
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Peers

Financial Services Financial Services Finance Housing Finance Company

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
SAMMAANCAP		164.90	19,154 Cr	-2.68	1.01	0.00	-3.42	4.68	-9.62
APTUS		279.85	13,977 Cr	14.82	2.77	1.61	18.64	14.34	7.23
HOMEFIRST		1187.00	12,366 Cr	22.88	2.84	0.44	12.40	10.03	3.56
AAVAS		1390.00	11,023 Cr	22.46	2.92	0.00	13.00	8.96	2.97
CANFINHOME		816.00	10,821 Cr	9.58	1.81	1.85	18.16	8.74	2.55
INDIASHLTR		727.40	7,945 Cr	15.79	2.48	1.37	15.73	11.59	5.23
REPCOHOME		392.05	2,451 Cr	5.15	0.61	1.91	11.77	9.64	2.73
Median: 7 Co.	—	727.40	11,023 Cr	14.82	2.48	1.37	13.00	9.64	2.97

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Revenue	343	365	353	395	411	450	467	497	508	546
Expenses	97	89	98	110	117	118	132	129	134	139
Interest	125	124	135	141	150	165	187	204	217	222
Financing Profit	121	153	121	144	144	167	148	164	157	186
Financing Margin %	35.18	41.86	34.17	36.51	35.00	37.05	31.71	33.05	30.96	34.01
Other Income	0.29	0.22	0.09	0.33	0.71	0.71	0.04	0.78	1.19	0.78
Depreciation	5.74	7.25	6.23	6.92	6.90	8.68	7.28	7.63	8.65	9.10
Profit Before Tax	115	146	114	138	138	159	141	157	150	177
Tax %	22.86	20.81	22.19	22.47	22.24	20.07	22.02	22.69	22.09	19.67
Net Profit	89	115	89	107	107	127	110	122	117	142
EPS in Rs	11.14	14.51	11.19	13.42	13.48	15.96	13.83	15.34	14.70	17.95
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	1.00	0.00	0.00	0.94
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.73	0.00	0.00	0.67

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Revenue	494	710	903	1,103	1,304	1,609	2,018
Expenses	162	188	226	274	352	442	534
Interest	193	255	356	458	478	591	828
Financing Profit	139	267	321	371	475	575	655
Financing Margin %	28.16	37.54	35.53	33.62	36.43	35.76	32.47
Other Income	0.91	1.00	0.80	2.16	1.20	1.84	2.80
Depreciation	5.63	9.72	20	21	24	29	33
Profit Before Tax	134	258	302	353	453	548	625
Tax %	30.70	31.73	17.52	18.05	21.54	21.66	21.54
Net Profit	93	176	249	289	355	430	491
EPS in Rs	—	22.80	31.19	36.22	44.58	54.05	61.82
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	69	78	78	79	79	79	79
Reserves	1,121	1,759	2,020	2,322	2,727	3,191	3,694
Borrowings	2,738	3,653	5,352	6,345	7,972	9,841	12,336
Other Liabilities	113	137	207	213	239	299	410
Total Liabilities	4,040	5,627	7,657	8,959	11,017	13,410	16,519
Fixed Assets	18	23	60	58	66	78	116
CWIP	0.03	0.09	0.71	0.41	2.10	20	11
Investments	0.00	0.00	0.00	0.00	53	111	182
Other Assets	4,022	5,604	7,596	8,901	10,897	13,200	16,210
Total Assets	4,040	5,627	7,657	8,959	11,017	13,410	16,519

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity	-933	-1,276	-1,172	-1,071	-1,135	-1,924	-1,987
Cash from Investing Activity	-218	-327	-342	-265	-463	196	-648
Cash from Financing Activity	1,240	1,404	1,705	1,008	1,623	1,858	2,477
Net Cash Flow	90	-199	191	-328	26	130	-157

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	39.11%	39.10%	26.47%	26.47%	26.47%	26.47%	26.47%	48.96%	48.96%	48.95%	48.88%	48.88%
FIIs	35.50%	32.32%	34.79%	35.88%	35.50%	33.97%	29.67%	29.77%	25.88%	24.72%	16.74%	16.27%
DIIs	14.15%	15.30%	24.00%	24.40%	25.56%	25.69%	10.75%	11.51%	14.14%	14.29%	22.14%	22.15%
Public	11.24%	13.27%	14.74%	13.25%	12.47%	13.87%	33.11%	9.75%	11.02%	12.04%	12.24%	12.69%
Total Shareholders	1,07,718	1,32,644	1,51,680	1,44,395	1,44,452	1,47,894	1,32,792	1,21,862	1,22,052	1,20,695	1,17,980	1,13,498

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q1 FY27

Investor Presentation

Q4 FY26

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Showing 1 - 8 of 36

Actions

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Announcements

Last 7 days

Sentiment

Earnings Call/Transcript

14 hours ago

AAVAS Q1 FY27 Earnings Call Transcript

AAVAS Financiers Ltd filed the transcript of its Q1 FY27 earnings call held on 2026-07-21 (call commenced 18:45 IST). Audio recording is available on the company website.

Earnings Call/Transcript

14 hours ago

AAVAS Financiers Q1 FY27 Earnings Call Transcript

AAVAS Financiers published the transcript of its Q1 FY27 earnings call held on July 21, 2026 (commenced 18:45 IST). The company states the audio recording is available on its investor relations website.

Regulatory/Compliance Filing

3 days ago

AAVAS Financiers: Investor/Analyst Meets Jul 29-30

AAVAS Financiers Ltd intimated one-on-one investor/analyst meetings in Mumbai on July 29, 2026 (09:00-11:00 IST) and July 30, 2026 (15:00-18:00 IST). Company will use only publicly available information; presentation uploaded online.

Investor Presentation

3 days ago

AAVAS: Investor/Analyst Meets on July 29-30, 2026

AAVAS Financiers Ltd will hold one-on-one physical investor/analyst meetings in Mumbai on July 29 and July 30, 2026. The investor presentation is uploaded on the company's website; no unpublished price-sensitive information will be shared.

Financial Results

5 days ago

AAVAS Financiers Ltd Q1 FY27 Results Publication

AAVAS Financiers Ltd published newspaper clippings of its unaudited financial results for the quarter ended June 30, 2026; total income ₹70,871.77 lakh and PAT ₹17,126.81 lakh; published July 22, 2026.

Financial Results

5 days ago

AAVAS Financiers Q1 FY2026 Results Publication

AAVAS Financiers published newspaper clippings of unaudited financial results for quarter ended June 30, 2026. Total income Rs70,871.77 lakh; profit after tax Rs17,126.81 lakh. Publication dated July 22, 2026.

Showing 1 - 6 of 20

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Frequently Asked Questions about AAVAS Financiers Ltd

AAVAS Financiers Ltd (AAVAS) is currently trading at 1,390.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Aavas Financiers Ltd. is a NHB-registered housing finance company focused on affordable housing and MSME loans, operating a branch-led model across 15 states with 404 branches, predominantly in Tier-3+ towns and an average ticket size around ₹1.0 million, serving mainly self-employed retail borrowers with emphasis on EWS/LIG segments. Financially, Aavas reported AUM of ₹222.04 billion (+15% YoY), 9MFY26 disbursements of ₹44.3 billion, PAT of ₹4,739 million (9M) and robust profitability metrics with NIM at 7.82% and ROE ~14.29%, supported by a strong capital base (net worth ~₹48.6 billion) and CRAR of 46.4%. Asset quality remains best-in-class with GNPA/NNPA at 1.19%/0.79% and 1+ DPD at 3.80%; lifetime write-offs remain negligible, and total ECL provisioning stands at ₹1.27 billion, reinforcing a credit-first strategy that the management emphasizes as core to sustainable scaling. Aavas has completed a major technology transformation (Salesforce LOS, Oracle FLEXCUBE LMS, Oracle Fusion ERP) with AI-enabled KYC and collections, yielding faster login-to-sanction TAT (~54% reduction) and digital-led business growth (~2.9x), which management cites as a core enabler for improving productivity and lowering opex-to-asset ratio. Liquidity and liabilities are diversified: borrowings ₹193 billion with 33+ lenders, long average tenor, AA/Positive ratings from CARE and AA/Stable from ICRA, and a documented liquidity buffer of ~₹44 billion, enabling confident near-term funding for the branch expansion and product growth initiatives.

Over the past 52 weeks, AAVAS Financiers Ltd has traded between a low of ₹1,050.25 and a high of ₹1,856.00. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

AAVAS Financiers Ltd has a market capitalization of approximately 11,023.30. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

AAVAS Financiers Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 22.46 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 11,023.30 Cr, AAVAS Financiers Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

AAVAS Financiers Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of AAVAS Financiers Ltd is 22.46. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

The stock fell after reports alleged loan classification discrepancies tied to NHB refinance eligibility and pointed to an ongoing NHB inspection, alongside senior management changes.

The stock fell after reports alleged discrepancies in classifying certain loans and raised the possibility of NHB action on refinancing, alongside news of CFO and CRO resignations.

Aavas Financiers reported AUM of ₹22,204 crore as of December 2025, reflecting 15.4% year-on-year growth.

He steps down from the close of business hours on April 20, 2026, as per the company’s stock exchange filing.

Aavas Financiers Ltd

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

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Announcements

AAVAS Q1 FY27 Earnings Call Transcript

AAVAS Financiers Q1 FY27 Earnings Call Transcript

AAVAS Financiers: Investor/Analyst Meets Jul 29-30

AAVAS: Investor/Analyst Meets on July 29-30, 2026

AAVAS Financiers Ltd Q1 FY27 Results Publication

AAVAS Financiers Q1 FY2026 Results Publication

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

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Shareholdings

Shareholding History

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Frequently Asked Questions about AAVAS Financiers Ltd