| Quarterly Financials | Jun 2018 | Sept 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sept 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sept 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 |
Revenue  | 147 | 164 | 195 | 205 | 198 | 231 | 239 | 235 | 234 | 271 | 310 | 291 | 272 | 326 | 343 | 365 | 353 | 395 | 412 | 450 | 467 | 498 | 509 | 547 | 543 |
| Expenses | 45 | 42 | 48 | 53 | 51 | 50 | 59 | 66 | 54 | 67 | 78 | 76 | 80 | 86 | 97 | 89 | 98 | 110 | 117 | 118 | 132 | 129 | 134 | 139 | 138 |
| EBITDA | 103 | 122 | 147 | 152 | 147 | 181 | 181 | 169 | 180 | 204 | 233 | 215 | 192 | 240 | 246 | 277 | 255 | 286 | 295 | 332 | 335 | 369 | 375 | 408 | 405 |
| Operating Profit % | 70 % | 74 % | 75 % | 74 % | 74 % | 78 % | 75 % | 72 % | 77 % | 75 % | 75 % | 74 % | 70 % | 74 % | 72 % | 76 % | 72 % | 72 % | 72 % | 74 % | 72 % | 74 % | 74 % | 75 % | 75 % |
| Depreciation | 2 | 2 | 3 | 3 | 2 | 7 | 5 | 6 | 5 | 5 | 5 | 5 | 5 | 6 | 6 | 7 | 6 | 7 | 7 | 9 | 7 | 8 | 9 | 9 | 9 |
| Interest | 58 | 63 | 63 | 72 | 80 | 83 | 95 | 97 | 112 | 114 | 117 | 115 | 113 | 116 | 125 | 124 | 135 | 141 | 150 | 165 | 187 | 204 | 217 | 222 | 235 |
| Profit Before Tax | 43 | 57 | 81 | 77 | 64 | 91 | 80 | 66 | 63 | 84 | 110 | 95 | 74 | 118 | 115 | 146 | 114 | 138 | 138 | 159 | 141 | 157 | 150 | 177 | 161 |
| Tax | 13 | 22 | 25 | 23 | 19 | 15 | 13 | 6 | 13 | 18 | 25 | 7 | 15 | 26 | 26 | 30 | 25 | 31 | 31 | 32 | 31 | 36 | 33 | 35 | 35 |
| Net Profit | 30 | 35 | 56 | 54 | 45 | 76 | 68 | 60 | 50 | 66 | 86 | 87 | 59 | 92 | 89 | 116 | 89 | 107 | 107 | 127 | 110 | 122 | 117 | 143 | 126 |
| EPS in ₹ | 4.32 | 4.91 | 7.22 | 6.96 | 5.81 | 9.73 | 8.68 | 7.63 | 6.38 | 8.43 | 10.90 | 11.15 | 7.52 | 11.69 | 11.25 | 14.63 | 11.28 | 13.51 | 13.56 | 16.05 | 13.89 | 15.38 | 14.75 | 18.00 | 15.93 |
Aavas Financiers
Aavas Financiers
1,623.90
-45.70
(-2.74%)
Q1 Quarterly Results are out. Check out the updated financials12 hours ago
Show All
Key Fundamentals
Market Cap
12,855.01 Cr
EPS
62.03
PE Ratio
26.38
Dividend Yield
0.00 %
Industry
Financial Services 52 Week High
2,234.00
52 Week Low
1,516.90
PB Ratio
3.43
Debt to Equity
3.16
Sector
Housing Finance Analyst Rating and Forecast
- By Refinitiv from21 analysts
Actual
Company News
View All News
Aavas Financiers Allots 12,699 Equity Shares Under Employee Stock Option Plan17 hours ago
Aavas Financiers Limited allotted 12,699 equity shares of Rs. 10 each following the exercise of stock options under its Performance Stock Option Plan-2023. The allotment increased the company's paid-up share capital from Rs. 79,16,68,120 to Rs. 79,17,95,110, with the new shares ranking equally with existing equity shares.
Aavas Financiers delivered net profit of Rs 1.64 billion for Q2FY26, up 11% year-on-year, driven by 18% growth in net interest income and NIM expansion to 8.04%. The company achieved 36% sequential and 21% year-on-year disbursement growth while maintaining strong asset quality with 1DPD at 3.99% and GNPA stable at 1.24%.
Aavas Financiers reported Assets Under Management (AUM) of ₹17,887 crores in Q2FY26, marking a 19% year-over-year growth. The company posted a Profit After Tax (PAT) of ₹347 crores, representing a 14% increase compared to the previous year. The housing finance company is targeting a 20-22% AUM compound annual growth rate with continued focus on affordable housing in Tier-3 and Tier-4 cities. Aavas maintained strong asset quality metrics with Gross Non-Performing Assets below 1% and Net Non-Performing Assets below 0.6%. The company plans to expand its branch network to over 470 branches by FY27 while strengthening digital lending capabilities, co-lending partnerships, and AI-based underwriting systems. Management emphasized focus on cost efficiency and margin preservation amid the high interest rate environment.
View more
Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
105.21 | #1 87,664.49 | 37.58 | 9,576.00 | 25.71 | 2,163 | 17.85 | 31.85 | |
547.85 | 30,135.20 | #1 5.53 | #1 28,110.70 | 3.05 | #1 5,443 | 1.63 | 29.78 | |
876.55 | 22,834.88 | 10.98 | 7,691.60 | 8.99 | 1,936 | 23.82 | 39.10 | |
487.45 | 21,111.11 | 21.31 | 3,108.90 | 20.17 | 912 | 17.14 | 35.30 | |
281.30 | 14,082.95 | 16.66 | 1,798.40 | 27.62 | 751 | 24.51 | 40.87 | |
1,623.90 | #6 12,855.01 | #8 26.38 | #7 2,020.70 | #5 25.46 | #7 491 | #9 14.85 | 52.35 | |
151.21 | 12,525.60 | 10.25 | 8,683.30 | 0.68 | -1,808 | #1 111.17 | 33.17 | |
881.95 | 11,743.53 | 12.74 | 3,879.60 | 10.07 | 857 | 18.87 | 60.73 | |
1,126.90 | 11,670.24 | 27.15 | 1,539.20 | 33.09 | 382 | 43.06 | 39.60 | |
868.25 | 9,396.73 | 21.77 | 1,175.90 | #1 36.51 | 378 | 35.41 | 49.22 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
25.46 %
Net Income Growth
14.22 %
Cash Flow Change
-3.25 %
ROE
-1.07 %
ROCE
3.82 %
EBITDA Margin (Avg.)
1.42 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Total Assets | 4,040 | 5,627 | 7,657 | 8,959 | 11,018 | 13,410 | 16,520 |
| Fixed Assets | 18 | 23 | 60 | 58 | 66 | 78 | 116 |
| Current Assets | 688 | 880 | 1,416 | 1,377 | 1,843 | 1,724 | 2,206 |
| Capital Work in Progress | 0 | 0 | 1 | 0 | 2 | 20 | 11 |
| Investments | 0 | 0 | 0 | 0 | 53 | 111 | 182 |
| Other Assets | 4,022 | 5,604 | 7,596 | 8,901 | 10,897 | 13,200 | 16,210 |
| Total Liabilities | 4,040 | 5,627 | 7,657 | 8,959 | 11,018 | 13,410 | 16,520 |
| Current Liabilities | 101 | 94 | 145 | 152 | 165 | 203 | 288 |
| Non Current Liabilities | 2,749 | 3,696 | 5,414 | 6,406 | 8,047 | 9,937 | 12,459 |
| Total Equity | 1,190 | 1,837 | 2,098 | 2,401 | 2,806 | 3,270 | 3,773 |
| Reserve & Surplus | 1,120 | 1,759 | 2,020 | 2,322 | 2,727 | 3,191 | 3,694 |
| Share Capital | 69 | 78 | 78 | 79 | 79 | 79 | 79 |
Cash Flow
| Cash Flow | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Net Cash Flow | 90 | -199 | 191 | -329 | 26 | 130 | -157 |
| Investing Activities | -218 | -327 | -342 | -265 | -463 | 196 | -648 |
| Operating Activities | -933 | -1,276 | -1,172 | -1,071 | -1,135 | -1,924 | -1,987 |
| Financing Activities | 1,240 | 1,404 | 1,705 | 1,008 | 1,623 | 1,858 | 2,477 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 50.08 % | 50.07 % | 39.22 % | 39.21 % | 39.20 % | 39.19 % | 39.16 % | 39.15 % | 39.14 % | 39.13 % | 39.11 % | 39.10 % | 26.47 % | 26.47 % | 26.47 % | 26.47 % | 26.47 % | 48.96 % | 48.96 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.04 % | 0.04 % | 0.00 % | 35.50 % | 0.00 % | 34.79 % | 35.88 % | 35.50 % | 33.97 % | 29.67 % | 29.77 % | 25.88 % |
| DIIs | 6.97 % | 6.51 % | 8.25 % | 8.42 % | 8.30 % | 8.40 % | 9.00 % | 10.92 % | 10.95 % | 14.35 % | 14.15 % | 13.85 % | 24.00 % | 24.40 % | 25.56 % | 25.69 % | 10.75 % | 11.51 % | 14.14 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 8.87 % | 8.88 % | 9.79 % | 9.72 % | 9.87 % | 10.29 % | 6.27 % | 6.27 % | 5.71 % | 9.13 % | 8.67 % | 10.36 % | 11.70 % | 10.38 % | 9.86 % | 10.50 % | 8.32 % | 7.53 % | 8.62 % |
| Others | 34.08 % | 34.53 % | 42.74 % | 42.66 % | 42.62 % | 42.11 % | 45.57 % | 43.61 % | 44.16 % | 37.39 % | 2.57 % | 36.68 % | 3.04 % | 2.87 % | 2.61 % | 3.36 % | 24.80 % | 2.22 % | 2.40 % |
| No of Share Holders | 25,935 | 30,154 | 42,335 | 42,777 | 50,248 | 54,261 | 58,409 | 62,631 | 60,388 | 94,788 | 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 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 24 May 2017 |  Change Of Name | NA | 24 May 2017 | 0.00 | 0.00 |
| 07 Aug 2024 |  Annual General Meeting | NA | 07 Aug 2024 | 1,794.85 | 1,630.00 |
| 07 Nov 2024 |  Quarterly Result Announcement | NA | 07 Nov 2024 | 1,731.60 | 1,684.70 |
| 30 Jan 2025 | Quarterly Result Announcement | NA | 30 Jan 2025 | 1,637.10 | 1,689.80 |
| 24 Apr 2025 | Quarterly Result Announcement | NA | 24 Apr 2025 | 2,004.15 | 2,119.40 |
| 12 Aug 2025 | Quarterly Result Announcement | NA | 12 Aug 2025 | 1,804.30 | 1,713.35 |
| 16 Sept 2025 | Annual General Meeting | NA | 16 Sept 2025 | 1,658.00 | 1,670.30 |
| 11 Nov 2025 | Quarterly Result Announcement | NA | 11 Nov 2025 | 1,662.35 | 1,652.90 |
Announcements
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
18 hours ago
18 hours agoAnnouncement under Regulation 30 (LODR)-Earnings Call Transcript8 days ago
8 days agoAsset Liability Management (ALM) statement10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 13, 2025
Nov 13, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 12, 2025
Nov 12, 2025Audio Recording Of Earnings Conference Call For The Quarter And Half Year Ended September 30 2025.Nov 11, 2025
Nov 11, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseNov 11, 2025
Nov 11, 2025Intimation Under Regulation 8(2) Of SEBI (PIT) Regulations 2015Nov 11, 2025
Nov 11, 2025Announcement under Regulation 30 (LODR)-Investor PresentationNov 11, 2025
Nov 11, 2025Financial Results For The Quarter And Half Year Ended September 30 2025Nov 11, 2025
Nov 11, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On Tuesday November 11 2025.Nov 11, 2025
Nov 11, 2025Intimation Under Regulation 30 And 51 Of SEBI (LODR) Regulations 2015Nov 11, 2025
Nov 11, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Oct 29, 2025
Oct 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 29, 2025
Oct 29, 2025Board Meeting Intimation for Regulation 29 And 50 Of Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015 SEBI (LODR) Regulations 2015.Oct 29, 2025
Oct 29, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Oct 20, 2025
Oct 20, 2025Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations 2015- Intimation Of Environmental Social And Governance (ESG) Rating By ESG Risk Assessments And Insights Limited.Oct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateOct 15, 2025
Oct 15, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 08, 2025
Oct 08, 2025Intimation Of Press Release Published By CARE Ratings Limited.Oct 08, 2025
Oct 08, 2025Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations 2015- Intimation Of Environmental Social And Governance Rating By CFC Finlease Private LimitedOct 08, 2025
Oct 08, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 06, 2025
Oct 06, 2025Disclosure Under Regulation 30 Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015- Intimation Of Environmental
Social And Governance (ESG) Rating By Crisil ESG Ratings & Analytics LimitedOct 02, 2025
Oct 02, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Sep 30, 2025
Sep 30, 2025Closure of Trading WindowSep 29, 2025
Sep 29, 2025Announcement under Regulation 30 (LODR)-Credit RatingSep 26, 2025
Sep 26, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Sep 26, 2025
Sep 26, 2025Update Regarding Employee Stock Option Scheme - 2025 Of The Company.Sep 25, 2025
Sep 25, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Sep 25, 2025
Sep 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 24, 2025
Sep 24, 2025Disclosure Under Regulation 30 And 51 Of The SEBI (LODR) Regulations 2015.Sep 17, 2025
Sep 17, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportSep 17, 2025
Sep 17, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 17, 2025
Sep 17, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMSep 16, 2025
Sep 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 10, 2025
Sep 10, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Sep 03, 2025
Sep 03, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 30, 2025
Aug 30, 2025Reg. 34 (1) Annual Report.Aug 27, 2025
Aug 27, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 24, 2025
Aug 24, 2025Disclosure Under Regulation 30 And Regulation 36(1)(B) Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015.Aug 23, 2025
Aug 23, 2025Business Responsibility and Sustainability Reporting (BRSR)Aug 23, 2025
Aug 23, 2025Reg. 34 (1) Annual Report.Aug 23, 2025
Aug 23, 2025Notice Of The 15Th Annual General Meeting Of The Company And Annual Report For The Financial Year 2024-25Aug 23, 2025
Aug 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 22, 2025
Aug 22, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 19, 2025
Aug 19, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 19, 2025
Aug 19, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On Monday August 18 2025.Aug 18, 2025
Aug 18, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 13, 2025
Aug 13, 2025Audio Recording Of Earnings Conference Call For The Quarter Ended June 30 2025.Aug 12, 2025
Aug 12, 2025Mutual Fund Holdings
WhiteOak Capital Banking & Financial Services Fund Direct - Growth 
Sundaram Focused Fund Direct-Growth 
Bandhan Financial Services Fund Direct-Growth 
Nippon India Nifty Smallcap 250 Index Fund Direct - Growth 
JioBlackRock Nifty Smallcap 250 Index Fund Direct - Growth 
Motilal Oswal Nifty Smallcap 250 Index Fund Direct - Growth 
HDFC Nifty Smallcap 250 Index Fund Direct-Growth 
ICICI Prudential Nifty Smallcap 250 Index Fund Direct - Growth 
Navi Nifty Smallcap250 Momentum Quality 100 Index Fund Direct - Growth 
SBI Nifty 500 Index Fund Direct-Growth 
Kotak Nifty Smallcap 250 Index Fund Direct-Growth 
Groww Nifty Total Market Index Fund Direct - Growth 
Axis Nifty 500 Index Fund Direct-Growth 
Edelweiss Nifty Smallcap 250 Index Fund Direct - Growth 
Angel One Nifty Total Market Index Fund Direct - Growth 
Mirae Asset Nifty Total Market Index Fund Direct-Growth Technical Indicators
RSI(14)
Neutral 52.35
ATR(14)
Volatile 54.83
STOCH(9,6)
Neutral 39.79
STOCH RSI(14)
Neutral 47.26
MACD(12,26)
Bearish -1.85
ADX(14)
Weak Trend 23.06
UO(9)
Bearish 48.67
ROC(12)
Uptrend And Accelerating 4.10
WillR(14)
Neutral -48.83
About Aavas Financiers
Aavas Financiers Ltd. is a registered Housing Finance Company in India, focusing on providing affordable housing finance to low and middle-income customers in semi-urban and rural areas. The company offers home loans for purchase, construction, extension, and repair of residential properties, as well as loans against property and MSME loans. Aavas operates through 371 branches across 13 states, including Rajasthan, Maharashtra, Gujarat, and Madhya Pradesh. The company uses technology and data analytics for customer onboarding, underwriting, loan monitoring, and risk management. Aavas sources funding through various means, including term loans, securitization, non-convertible debentures, and refinancing from the National Housing Bank. As of March 31, 2023, Aavas had an Assets under Management (AUM) of Rs 14,167 crore and received a Rs 1,044 crore line of credit from the National Housing Bank in 2022-23.
Listing Date
08 Oct, 2018(7 Years,
17 days)
Website
Chairperson NameSandeep Tandon
we are part of Raise Financial Services
built with love
for indians who love to invest & trade
Market Community
Follow us on
