AAVAS · Aavas Financiers Ltd · Consumer Financial Services
AAVAS · Aavas Financiers Ltd · Consumer Financial Services
As of 05 Nov close
52-week range
36.0% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 29 Oct 2026
Revenue (latest Q)
₹649 Cr
Revenue YoY
PAT YoY
+23.0%
Operating margin
Revenue, last 5 quarters
P/E (TTM)
P/B
1.9
P/S (TTM)
Not available from data source
Sector P/E
Not available from data source
Dividend yield
Not available from data source
Source: Yahoo Finance, as of 29 Oct 2026
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| AAVAS (this stock) | 12.6 | 1.9 | +27.6% | +13.6% | 3.11 | Not available from data source |
| Bajaj Finance * | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance * | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Tata Capital * | 28.7 | 3.3 | +17.0% | +11.8% | 5.15 | +0.2% |
* Net margin, ROE, D/E and dividend yield for these companies come from RedixFi fundamentals; the data vendor had no values for them.
Promoter
stable
FII
falling 3q
MF
17.85% (+0.70pp)
rising 1q
Insider trades
| Date | Insider | Type | Qty | Value |
|---|---|---|---|---|
| 30 Mar 2026 | GHANSHYAM RAWAT | SELL | 4,000 | ₹43.19 lakh |
| 01 Dec 2025 | GHANSHYAM RAWAT | SELL | 25,000 | — |
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
- lowbusiness-standard.com· 26 Oct 2026, 10:16 amQ2 results: Paytm, REC, Tata Consumer Products among 98 firms on October 26
- loweconomictimes.indiatimes.com· 22 Jul 2026, 08:42 pmAhead of Market: 10 things that will decide stock market action on Thursday
Concalls & investor presentations
AI-generatedKey takeaway: Aavas Financiers Limited reported strong financial and operational performance for Q2FY27 and H1FY27, with a 30% YoY growth in loan disbursements to ₹35.1 billion, driven by improved productivity and demand in affordable housing markets. AUM grew by 16.1% YoY to ₹248.0 billion, reflecting successful customer acquisition and execution. Net profit increased by 16.4% YoY to ₹3.5 billion, supported by a 17% growth in Net Interest Income and 18% growth in Operating Profit. The company maintained a stable Cost of Borrowing (CoB) at 7.64% despite a 25-bps repo rate increase, with confidence in maintaining spreads above 5%. Productivity per RO improved to 1.3 files/month in September, with a target of 1.5 files/month by FY27 end. The company emphasized disciplined cost management, improved operating leverage, and a focus on sustainable growth through technology and governance. Branch expansion to 443 locations across 15 states and 21,500+ new customers added in H1FY27 were highlighted. Asset quality metrics, including 1+ DPD at 3.81% and Net Stage 3 at 0.70%, remained within guided ranges. The company also discussed strategic initiatives to enhance productivity, expand distribution, and manage risk, while maintaining a customer-first approach.
The document highlights strong financial performance, growth in key metrics, and confidence in future prospects, reflecting a positive tone.
Sourced from an exchange-filed transcript, dated 02 Nov 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Aavas Financiers Limited held its Q1FY27 earnings conference call on July 21, 2026, where management reported a strong quarter with a 41% year-on-year growth in loan disbursements, totaling Rs. 16.1 billion. The company achieved a 15.4% year-on-year increase in assets under management (AUM), reaching Rs. 239.3 billion. Net profits grew by 23% year-on-year, supported by an 18% increase in net interest income (NII) and improved operating efficiencies. Management highlighted a focus on customer acquisition and productivity, with plans to enhance branch profitability and leverage technology. The company also reported improvements in asset quality, with a decrease in gross non-performing assets (NPAs). Aavas expanded its branch network to 440 across 15 states and emphasized a commitment to compliance and governance. Management expressed confidence in sustaining growth and delivering long-term value.
Management emphasized strong performance and growth initiatives during the quarter.
Sourced from an exchange-filed transcript, dated 27 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The investor presentation by Aavas Financiers Limited for the quarter ended June 30, 2026, reported a strong start to the fiscal year, with loan disbursements reaching ₹16.1 billion, reflecting a 41% year-over-year growth. The company's assets under management (AUM) grew by 15.4% year-over-year to ₹239.3 billion. Net profit increased by 23% year-over-year to ₹1.71 billion, supported by an 18% growth in net interest income. The presentation highlighted improvements in operational efficiency, with a cost-to-income ratio of 43.7%, and maintained strong asset quality, with gross non-performing assets (GNPA) at 1.11%. Management emphasized a commitment to sustainable housing, having funded over 700 green homes. The company expanded its branch network to 440 locations and focused on enhancing customer acquisition and productivity. The presentation also outlined the management's strategic priorities and the importance of governance and operational excellence.
Management highlighted strong growth and operational improvements.
Sourced from an exchange-filed presentation, dated 21 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The earnings conference call for Aavas Financiers Limited on May 5, 2026, highlighted the company's financial and operational performance for Q4 and FY26. Management reported a net profit growth of 18% to Rs. 1.82 billion, driven by a 17% year-on-year increase in net interest income. The company achieved a total asset under management (AUM) of Rs. 234.5 billion, reflecting a 15% year-on-year growth. Aavas expanded its branch network to 435 across 15 states, with a focus on high-potential markets like Tamil Nadu and Uttar Pradesh. The management emphasized a commitment to maintaining asset quality, with gross non-performing assets (GNPA) improving to 1.05%. The call also discussed strategic priorities, including enhancing operational efficiency and leveraging digital platforms for growth. Overall, management expressed optimism about future opportunities while maintaining a disciplined approach to growth and risk management.
Management expressed optimism about growth opportunities and highlighted strong financial performance.
Sourced from an exchange-filed transcript, dated 12 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The investor presentation by Aavas Financiers Limited detailed the audited financial results for the quarter and financial year ended March 31, 2026. Management highlighted significant milestones, including a change of promoter to CVC Capital Partners, a balance sheet exceeding ₹200 billion, and a net worth surpassing ₹50 billion. The company reported a net profit increase of 18% year-over-year to ₹1.82 billion for Q4FY26, driven by a 17% rise in net interest income. Disbursements for the quarter reached ₹23.5 billion, reflecting a 16% year-over-year growth. The presentation also noted improvements in asset quality, with gross non-performing assets (GNPA) and net non-performing assets (NNPA) at 1.05% and 0.68%, respectively. Additionally, the company expanded its branch network to 435 across 15 states, emphasizing its commitment to sustainable housing by adding over 300 certified Green Homes during the year.
Management emphasized significant growth and improvements in financial performance.
Sourced from an exchange-filed presentation, dated 05 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Aavas Financiers Limited held its earnings conference call on February 5, 2026, to discuss its financial and operational performance for the quarter and nine months ended December 31, 2025. Management highlighted encouraging macroeconomic developments, including the Atmanirbhar Union Budget and structural reforms, which are anticipated to support credit growth. The company reported a balance sheet size exceeding Rs. 20,000 crore and raised approximately Rs. 975 crore from a multilateral financial institution. Aavas's AUM grew by 15% year-on-year to Rs. 222 billion, with a 10% quarter-on-quarter increase in disbursements. The net profit for Q3 FY26 rose by 16% year-on-year to Rs. 1.70 billion. Management emphasized a focus on maintaining asset quality, with a GNPA of 1.19%. The company plans to add 50 branches in FY27 and aims for a 25%+ growth in disbursements, while continuing to enhance operational efficiency and governance.
Management emphasized strong growth and operational improvements.
Sourced from an exchange-filed transcript, dated 12 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedAavas Financiers Limited's FY2025-26 annual report highlights disciplined growth, strong governance, and a focus on credit quality and sustainable expansion. The company expanded its branch network, achieved upgrades in credit ratings, and emphasized its commitment to financial inclusion and responsible lending. Management underscored the importance of perseverance, risk discipline, and stakeholder value, while noting the challenges of macroeconomic uncertainties and geopolitical tensions.
- Emphasis on stakeholder value and strong governance as core pillars of operations.
- Focus on asset quality and risk discipline to ensure long-term stability.
- Expansion into Tier 2/3 markets to build brand trust and drive profitable growth.
- Commitment to employee development and diversity, with internal promotions and gender inclusion initiatives.
Key takeaway: Aavas Financiers Limited prioritizes disciplined growth, credit quality, and stakeholder value, with a strong focus on expanding its presence in underserved markets while maintaining robust governance and risk management practices.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Auditor Qualification (1 item); Regulatory Action (3 items); Default / Covenant Breach (4 items)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Auditor Qualification
1 occurrenceEarlier (1-3 years ago)
The statutory auditor's report includes qualifications or emphasis of matter indicating an overstatement of net profit.
Regulatory Action
3 occurrencesRecent (last 12 months)
The company has established a Code of Conduct for Prohibition of Insider Trading in compliance with SEBI regulations and has implemented a Structured Digital Database as required. The Audit Committee confirmed that internal controls regarding Insider Trading Regulations are adequate and operating effectively.
Earlier (1-3 years ago)
BSE Limited imposed a penalty of ₹10,000 (excluding GST) on the company for delayed submission of intimation related to Reco under SEBI circular dated July 29, 2022.
BSE Limited levied a penalty of Rs. 10,000 (excluding GST) on Aavas Financiers Limited in July 2022 for a delay in submitting the intimation of Record Date as per SEBI Regulation 60(2). The company paid the fine to the Stock Exchange.
Default / Covenant Breach
4 occurrencesRecent (last 12 months)
As of March 31, 2026, the total amount of loans/advances overdue for more than ninety days is ₹19,376.32 lakhs.
Earlier (1-3 years ago)
As of March 31, 2025, the total amount of loans/advances overdue for more than ninety days is ₹17,633.90 lakhs.
As of 31 March 2024, the company has overdue loans aggregating ₹13,110.85 lakh for 90 days or more, with 2,781 cases, and has taken reasonable steps for recovery.
Older (3+ years ago)
The audit committee is looking into the reasons for substantial defaults in the payment to Depositors, Debenture Holders, Shareholders (in case of non-payment of declared dividends) and creditors.
Routine disclosures
Contingent Liability
4 occurrencesRecent (last 12 months)
The company has provided an Expected Credit Loss (ECL) of ₹0.05 lakh as at March 31, 2026 on a secured loan of ₹50 lakhs given to Mr. Saurabh Sharma under the employee home loan policy.
Earlier (1-3 years ago)
The company has provided Expected Credit Loss (ECL) of ₹0.02 lakh as at March 31, 2025 on a fully secured loan of ₹30.50 lakhs granted to Mr. Sharad Pathak under the employee home loan policy.
The company has pending litigations comprising claims against it primarily by customers, and has disclosed contingent liabilities in its financial statements as of March 31, 2024.
Older (3+ years ago)
The Company has given cash collateral for securitisation transactions, which may constitute a contingent liability.
Related-Party Transaction
5 occurrencesRecent (last 12 months)
Aavas Financiers Limited made purchases of ₹12.18 lakh from Perfios Software Solutions Pvt. Ltd., a related party up to June 30, 2025, as disclosed in Note 35 of the audited financial statements.
Earlier (1-3 years ago)
The company has paid ₹521.06 lakh for CSR expenditure which is disclosed as a related party transaction.
The group has paid ₹429.10 lakh for CSR expenditure to Aavas Foundation, a public trust registered under section 12A and 80G of Income Tax Act 1961, established by the group singly for the purpose of CSR.
Older (3+ years ago)
The company has paid ₹393.60 lakh for CSR expenditure to Aavas Foundation, a public trust established by the company, which is a related party.
The company paid 351.17 lakh for CSR expenditure to Aavas Foundation, a public trust established by the company singly for the purpose of CSR.
Management & Board Governance
1 occurrenceOlder (3+ years ago)
Mr. Sushil Kumar Agarwal resigned as Managing Director w.e.f. May 03, 2023.