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Aavas Financiers Ltd. engages in the provision of housing loans to customers belonging to low and middle income segment in semi-urban and rural areas. The company is headquartered in Jaipur, Rajasthan and currently employs 6,034 full-time employees. The company went IPO on 2018-10-08. The firm is engaged in providing the home loans to the customers belonging to low- and middle-income segment in semi urban and rural areas. The Company’s offerings include home loan, plot and home construction loan, home improvement loan, home loan balance transfer, loan against property, micro, small and medium enterprise (MSME) loan, emergency credit line guarantee scheme, and small ticket size (STS) loan. The company offers customers home loans for the purchase or construction of residential properties, and for the extension and repair of existing housing units. The company also offers other mortgage loans, including loans against property. The firm operates in markets, such as Rajasthan, Maharashtra, Gujarat, Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Uttarakhand, Punjab, Himachal Pradesh, Delhi, Odisha and Karnataka.
No significant concerns identified
Nothing flagged for monitoring
“Banking franchise in Housing Finance — Lending.”
Net Interest Income of ₹1,735 Cr on total income of ₹1,738 Cr.
Cost-to-income ratio at 29.0%. Provision coverage at 0.0% of income.
“Our AUM grew by 15 percentage Y o Y to Rupees $222,000,000,000.”
“loan growth guidance for '27? Yeah.”
“AUM grow network growth, 16% to 18% in next couple of years.”
| KPI | Company | Sector Median |
|---|---|---|
| Net Margin | 28.2%▲ | 26.5% |
| Cost To Income | 29.0%▼ | 38.0% |
Historical valuation data not available.
| (₹ Cr) | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Revenue | ₹2,018 Cr 0.0% | ₹2,018 Cr +25.4% | ₹1,609 Cr +23.3% | ₹1,304 Cr +18.2% | ₹1,103 Cr +22.2% | ₹903 Cr +27.1% | ₹710 Cr |
| ₹3 Cr +0.0% | ₹3 Cr +51.8% | ₹2 Cr +53.8% | ₹1 Cr -44.5% | ₹2 Cr +170.1% | ₹0.80 Cr -20.2% | ₹1 Cr | |
| Total Income | ₹2,021 Cr +0.0% | ₹2,021 Cr +25.5% | ₹1,611 Cr +23.4% | ₹1,306 Cr +18.1% | ₹1,106 Cr +22.4% | ₹903 Cr +27.0% | ₹711 Cr |
| ₹1,395 Cr -0.0% | ₹1,395 Cr +31.4% | ₹1,062 Cr +24.5% | ₹853 Cr +13.3% | ₹753 Cr +25.2% | ₹601 Cr +32.7% | ₹453 Cr | |
| Profit Before Tax | ₹625 Cr +0.0% | ₹625 Cr +14.0% | ₹548 Cr +21.1% | ₹453 Cr +28.4% | ₹353 Cr +16.8% | ₹302 Cr +17.1% | ₹258 Cr |
| ₹135 Cr +0.0% | ₹135 Cr +13.4% | ₹119 Cr +21.8% | ₹98 Cr +53.2% | ₹64 Cr +20.3% | ₹53 Cr -35.4% | ₹82 Cr | |
| Net Profit | ₹491 Cr +0.0% | ₹491 Cr +14.2% | ₹430 Cr +21.0% | ₹355 Cr +22.9% | ₹289 Cr +16.0% | ₹249 Cr +41.5% | ₹176 Cr |
| Profit (Owners) | ₹491 Cr +0.0% | ₹491 Cr +14.2% | ₹430 Cr +21.0% | ₹355 Cr +22.9% | ₹289 Cr +16.0% | ₹249 Cr +41.5% | ₹176 Cr |
| Other Comprehensive Income | ₹0.15 Cr 0.0% | ₹0.15 Cr -82.1% | ₹0.85 Cr +19.7% | ₹0.71 Cr -15.0% | ₹0.83 Cr ↑ Recovery | (₹0.05 Cr) ↓ Decline | ₹0.23 Cr |
| EPS | ₹62.02 | ₹62.00 | ₹54.35 | ₹45.00 | ₹36.80 | ₹31.80 | ₹22.54 |
| Diluted Shares | ₹8 Cr | ₹8 Cr | ₹8 Cr | ₹8 Cr | ₹8 Cr | ₹8 Cr | ₹8 Cr |
| Fees And Commission | ₹9 Cr +12.6% | ₹8 Cr -0.2% | ₹8 Cr +32.4% | ₹6 Cr -7.6% | ₹6 Cr +26.2% | ₹5 Cr -0.4% | ₹5 Cr |
| Fees And Commission Income | ₹87 Cr 0.0% | ₹87 Cr +47.8% | ₹59 Cr +26.9% | ₹46 Cr +26.5% | ₹37 Cr +9.9% | ₹33 Cr +27.9% | ₹26 Cr |
| Net Gain On Amortised Derecognition | ₹180 Cr 0.0% | ₹180 Cr +18.3% | ₹152 Cr +22.4% | ₹124 Cr +43.6% | ₹86 Cr +12.8% | ₹77 Cr -2.2% | ₹78 Cr |
| Impairment On Financial Instruments | ₹24 Cr 0.0% | ₹24 Cr +90.2% | ₹12 Cr -45.0% | ₹23 Cr -39.1% | ₹37 Cr +142.1% | ₹15 Cr +72.4% | ₹9 Cr |
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Aavas Financiers Limited has informed the Exchange about Resignation of Director/KMP/SMP
Aavas Financiers Limited has informed the Exchange regarding a press release dated July 31, 2026, titled "AAVAS FINANCIERS LIMITED APPOINTS MR. VELLUR GOPALARAGHAVAN KANNAN AS CHAIRPERSON AND INDEPEND...
Aavas Financiers Limited has informed the Exchange regarding Change in Director(s) of the company.
Aavas Financiers Limited has informed the Exchange regarding Intimation of allotment of Non Convertible Securities by Executive Committee of Board of Directors of the Company.
Aavas Financiers Limited has informed the Exchange about Transcript of the Earnings Call for the Quarter ended June 30, 2026
Aavas Financiers Limited has informed the Exchange about Intimation of Investor(s)/Analyst(s) Meet/Call Scheduled to be held on July 29, 2026 & July 30, 2026.
Aavas Financiers Limited has informed the Exchange about Newspaper Clippings of the Unaudited Financial Results of the Company for the Quarter ended June 30, 2026.
Aavas Financiers Limited has informed the Exchange about Audio recording of Earnings Call for the Quarter ended June 30, 2026
Outcome of Executive Committee Meeting of Board of Directors of the Company and Disclosure under Regulation 30 and 51 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requ...
Outcome of Executive Committee Meeting of Board of Directors of the Company and Disclosure under Regulation 30 and 51 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requ...
Aavas Financiers Limited has informed the Exchange about Investor Presentation
Aavas Financiers Limited has informed the Exchange regarding a press release dated July 21, 2026, titled "Investor Release on the Financial and Operational Performance of the Company for Quarter ended...
Aavas Financiers Limited has submitted to the Exchange, the outcome of the Board Meeting held on Tuesday, July 21, 2026.
Aavas Financiers Limited has informed the Exchange regarding grant of stock options under Equity and Performance stock options plans of the company
Aavas Financiers Limited has informed the Exchange about Intimation of Earnings Call for the Quarter ended June 30, 2026
No dividend history available for this company.