| 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
1,628.60
-41.30
(-2.47%)
There are new updates from the company23 hours ago
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Market Cap
13,218.40 Cr
EPS
62.03
PE Ratio
26.94
Dividend Yield
0.00 %
Industry
Financial Services52 Week High
2,234.00
52 Week Low
1,516.90
PB Ratio
3.50
Debt to Equity
3.16
Sector
Housing Finance
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from20 analysts
Company News
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Aavas Financiers shareholders approved raising up to ₹8,500 crore through non-convertible debentures on a private placement basis over the next year. The housing finance company also appointed five non-executive nominee directors for five-year terms, revised CEO remuneration, appointed new secretarial auditors, and cleared a new ESOP-2025 plan covering up to 23.7 lakh equity shares. The Jaipur-based company focuses on home loans and MSME financing for rural and semi-urban customers. Shares closed at ₹1,649.40, down 11.3% over six months.
Aavas Financiers Stock Gains 7% on Recovery Expectations Despite Subdued Quarterly Results
10 days ago
10 days agoAavas Financiers stock has gained 7% in the past 10 trading sessions, reducing its decline to 5% since August 12 when it reported subdued quarterly numbers. The affordable housing finance company's performance was impacted by a change in disbursement recognition policy and lower asset quality. Reported disbursements fell 5% year-on-year to ₹1,145 crore due to the new recognition method, which would have shown double-digit growth under the previous policy. Assets under management grew 16% to ₹20,739.7 crore, down from 22% growth in the previous year. The company reduced its AUM growth guidance to 18-20% for FY26 from earlier expectations of 20-25%. Gross nonperforming asset ratio increased by 20 basis points to 1.2%, while spread improved by 10 basis points year-on-year to 5.1%. Net interest income rose 17.8% to ₹322.8 crore and net profit grew 10.4% to ₹139.2 crore. The company operates 397 branches across 14 states, with 80% in tier three regions. IDBI Capital upgraded the rating to 'buy' from 'hold' while reducing the target price to ₹2,250 from ₹2,340. The stock traded at ₹1,633.2 on Wednesday.
Aavas Financiers executed a block trade on the National Stock Exchange involving approximately 872,457 shares at a price of Rs. 1,523.10 per share. The total transaction value amounted to Rs. 132.88 crores. Block trades typically involve large institutional transactions executed outside the regular market to minimize price impact.
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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 |
|---|---|---|---|---|---|---|---|---|
111.26 | #1 93,155.50 | 41.10 | 9,576.00 | 25.71 | 2,163 | 20.87 | 41.69 | |
571.40 | 31,944.90 | #1 5.82 | #1 28,110.70 | 3.05 | #1 5,443 | 4.41 | 54.90 | |
526.80 | 23,324.70 | 24.65 | 3,108.90 | 20.17 | 912 | 18.59 | 63.19 | |
907.75 | 23,149.30 | 11.33 | 7,691.60 | 8.99 | 1,936 | 23.27 | 65.70 | |
316.65 | 16,034.60 | 20.11 | 1,798.40 | 27.62 | 751 | 27.65 | 39.25 | |
1,628.60 | #6 13,218.40 | #8 26.94 | #7 2,020.70 | #5 25.46 | #7 491 | #7 14.85 | 53.73 | |
1,228.40 | 13,202.80 | 32.05 | 1,539.20 | 33.09 | 382 | 35.42 | 50.86 | |
136.41 | 11,207.70 | 7.99 | 8,683.30 | -1.16 | -1,808 | 2.29 | 53.26 | |
762.60 | 10,356.10 | 11.75 | 3,879.60 | 10.07 | 857 | 12.17 | 58.19 | |
864.80 | 9,607.80 | 23.27 | 1,175.90 | #1 36.51 | 378 | #1 42.99 | 46.50 |
Forecast
Actual
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 |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 |
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 |
Announcements
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 2 hours ago
2 hours agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation23 hours ago
23 hours agoDisclosure Under Regulation 30 And 51 Of The SEBI (LODR) Regulations 2015.7 days ago
7 days agoShareholder Meeting / Postal Ballot-Scrutinizers Report7 days ago
7 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation8 days ago
8 days agoShareholder Meeting / Postal Ballot-Outcome of AGM9 days ago
9 days agoAnnouncement 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, 2025Announcement under Regulation 30 (LODR)-Investor PresentationAug 12, 2025
Aug 12, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 12, 2025
Aug 12, 2025Financial Results For The Quarter Ended June 30 2025Aug 12, 2025
Aug 12, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On Tuesday August 12 2025.Aug 12, 2025
Aug 12, 2025Intimation Under Regulation 30 And 51 Of SEBI (LODR) Regulations 2015- Grant Of Stock Options Under PSOP 2023 SchemeAug 12, 2025
Aug 12, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 12, 2025
Aug 12, 2025Announcement under Regulation 30 (LODR)-Change in ManagementAug 11, 2025
Aug 11, 2025Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations 2015- Intimation Of Environmental Social And Governance (ESG) Rating By CFC Finlease Private Limited.Aug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 29, 2025
Jul 29, 2025Board Meeting Intimation for Intimation Of Board Meeting Under Regulation 29 And 50 Of Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015 SEBI (LODR) Regulations 2015Jul 29, 2025
Jul 29, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Jul 19, 2025
Jul 19, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 14, 2025
Jul 14, 2025Disclosure Under Regulation 30 And 51 Of SEBI (LODR) Regulations 2015- Intimation Of Regulatory Recognition.Jul 10, 2025
Jul 10, 2025Disclosure Under Regulation 30 Of SEBI (LODR) Regulations 2015- Intimation Of ESG Rating By NSE Sustainability Ratings & Analytics Limited.Jul 09, 2025
Jul 09, 2025Disclosures of reasons for encumbrance by promoter of listed companies under Reg. 31(1) read with Regulation 28(3) of SEBI (SAST) Regulations 2011.Jul 08, 2025
Jul 08, 2025Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations 2011.Jul 08, 2025
Jul 08, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Jul 02, 2025
Jul 02, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 02, 2025
Jul 02, 2025Disclosure Under Regulation 7(2)(B) Of The Securities And Exchange Board Of India (Prohibition Of Insider Trading) Regulations 2015Jul 01, 2025
Jul 01, 2025Disclosure Under Regulation 7(2)(B) Of The Securities And Exchange Board Of India (Prohibition Of Insider Trading) Regulations 2015Jul 01, 2025
Jul 01, 2025Disclosure Under Regulation 7(2)(B) Of The Securities And Exchange Board Of India (Prohibition Of Insider Trading) Regulations 2015Jul 01, 2025
Jul 01, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Jul 01, 2025
Jul 01, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Jul 01, 2025
Jul 01, 2025Disclosure Under Regulation 31A Of The SEBI (LODR) Regulations 2015- Reclassification Of Promoters And Members Of The Promoter Group To Public Category Pursuant To The Open Offer.Jun 30, 2025
Jun 30, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateJun 30, 2025
Jun 30, 2025Intimation Under Regulation 30 And 51 Of The SEBI (LODR) Regulations 2015 For Re-Appointment Of Head Of Internal Audit Of The Company.Jun 30, 2025
Jun 30, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On June 30 2025.Jun 30, 2025
Jun 30, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Jun 30, 2025
Jun 30, 2025Technical Indicators
RSI(14)
Neutral 53.73
ATR(14)
Less Volatile 40.49
STOCH(9,6)
Neutral 70.73
STOCH RSI(14)
Overbought 86.27
MACD(12,26)
Bullish 14.01
ADX(14)
Weak Trend 24.18
UO(9)
Bearish 47.64
ROC(12)
Uptrend And Accelerating 4.81
WillR(14)
Neutral -23.78
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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(6 Years,
48 days)
Website
Chairperson NameSandeep Tandon
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