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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.
Finance
Housing Finance Company
10,748 Cr
Moderate Risk
19.5
19.3
0.7
2.9
2,238.35
1,050.25
Sales CAGR
Profit CAGR
ROE
ROCE
Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.
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AAVAS Financiers Ltd (AAVAS) is currently trading at 1,400.00 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 ₹2,238.35. 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 10,747.57. 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 19.54 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 10,747.57 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 19.54. 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.
He steps down from the close of business hours on April 20, 2026, as per the company’s stock exchange filing.
Prabhudas Lilladher has maintained a 'BUY' rating on Aavas Financiers with a target price of Rs. 1,700, based on a December 2027 valuation.
Prabhudas Lilladher has set a target price of Rs 1,500 for AAVAS Financiers, maintaining a 'BUY' rating on the stock as of their March 2026 report.
Bearish
7
Neutral
2
Bullish
5
Bearish
11
Neutral
2
Bullish
33
Bearish
4
Neutral
0
Bullish
28
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
147.45 | 17,618 Cr | 13.01 | 0.65 | 0.94 | 5.67 | 9.51 | 1.80 | ||
199.50 | 12,271 Cr | 11.23 | 2.63 | 1.83 | 18.11 | 14.31 | 7.39 | ||
975.00 | 11,719 Cr | 20.76 | 2.92 | 0.28 | 11.28 | 10.11 | 3.59 | ||
815.00 | 11,594 Cr | 11.14 | 2.12 | 1.38 | 16.87 | 8.93 | 2.33 | ||
1207.85 | 10,748 Cr | 19.54 | 2.85 | 0.00 | 13.00 | 8.96 | 2.97 | ||
758.55 | 8,739 Cr | 18.00 | 3.00 | 0.62 | 15.29 | 11.72 | 5.52 | ||
377.45 | 2,523 Cr | 5.12 | 0.70 | 0.99 | 12.70 | 10.36 | 2.84 | ||
| Median: 7 Co. | — | 758.55 | 11,594 Cr | 13.01 | 2.63 | 0.94 | 13.00 | 10.11 | 2.97 |
Leadership Appointment
Aavas Financiers' Board approved the appointment of Manu Yeshpal Singh as Managing Director & CEO effective April 21, 2026 subject to RBI and shareholder approvals; outgoing MD Sachinder Bhinder to serve as senior advisor.
Leadership Appointment
Aavas Financiers announced the Board-approved appointment of Mr. Manu Yeshpal Singh as Managing Director & CEO, effective upon RBI and shareholder approvals; he joins from Kotak Mahindra Bank and succeeds Sachinder Bhinder (to become senior advisor).
Management Change
Board accepted resignation of MD & CEO Sachinderpalsingh J. Bhinder effective Apr 20, 2026 and approved appointment of Manu Y. Singh as MD & CEO effective Apr 21, 2026, subject to RBI and shareholder approvals; outgoing MD to be senior advisor.
Management Change
Aavas Financiers' Board accepted MD & CEO Sachinderpalsingh J. Bhinder's resignation effective Apr 20, 2026; appointed Manu Yeshpal Singh as MD & CEO effective Apr 21, 2026 subject to RBI and shareholder approvals; Bhinder to serve as senior advisor.
Leadership Change
Board accepted resignation of MD & CEO Sachinderpalsingh Jitendrasingh Bhinder effective close of business Apr 20, 2026; approved appointment of Manu Yeshpal Singh as MD & CEO effective Apr 21, 2026 subject to RBI and shareholder approvals; outgoing MD to serve as senior advisor.
MD/CEO change
Board accepted resignation of MD & CEO Sachinderpalsingh Jitendrasingh Bhinder effective COB Apr 20, 2026; approved appointment of Manu Yeshpal Singh as MD & CEO effective Apr 21, 2026 subject to RBI and shareholders' approvals; outgoing MD to serve as senior advisor.
