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Aavas Financiers Ltd

Aavas Financiers Ltd

AAVAS Share Price

NSE
1,304.200.48% (+6.20)
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1M
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Max
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With a market cap of ₹10,746 cr, stock is ranked 588

Stock is 2.30x as volatile as Nifty

AAVAS Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Avg

The stock has a moderate number of red flags

How to use scorecard? Learn more

With a market cap of ₹10,746 cr, stock is ranked 588

Stock is 2.30x as volatile as Nifty

AAVAS Performance & Key Metrics

AAVAS Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
15.642.13
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.632.141.30%

AAVAS Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
68%
Analysts have suggested that investors can buy this stock

from 19 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

AAVAS Company Profile

Aavas Financiers is a housing finance company, engaged in providing home loans to the customers belonging to low and middle income segment in semi urban and rural areas

Investor Presentation

View older View older 

Jul 21, 2026

PDF
View Older Presentations

AAVAS Similar Stocks (Peers)

Compare with peers Compare with peers 

AAVAS Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
13.31
13.31
1Y Return
48.86%
48.86%
Buy Reco %
92.31
92.31
PE Ratio
4.88
4.88
1Y Return
2.16%
2.16%
Buy Reco %
52.00
52.00
PE Ratio
-2.41
-2.41
1Y Return
15.38%
15.38%
Buy Reco %
0.00
0.00
PE Ratio
13.69
13.69
1Y Return
21.31%
21.31%
Buy Reco %
94.12
94.12
PE Ratio
23.09
23.09
1Y Return
3.27%
3.27%
Buy Reco %
90.91
90.91
Compare with Peers

AAVAS Sentiment Analysis

AAVAS Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

AAVAS Stock Summary · May 2026

Management emphasized solid growth and balance-sheet strengthening, reporting AUM of Rs.234.5 billion and Q4 net profit of Rs.1.82 billion as anchors for the quarter. Leadership conveyed a constructive yet disciplined tone, prioritizing execution of branch-led expansion and a deliberate rebuild of direct sourcing while preserving underwriting standards and boosting productivity; branch additions and southern-market entry were cited as drivers of improving disbursement momentum. They highlighted improving margins and funding credibility—including a large NCD placement and a committed facility—alongside an active liability repricing strategy, while acknowledging trade-offs as branch ramp-up and retention programs raised opex-to-AUM in the near term. Management pointed to resilient asset quality and low credit costs backed by stress testing, but also flagged yield pressure from a recent 15 bps PLR cut and the risk of further near-term compression if another 10 bps cut occurs in H1FY27. Near term, they reiterated targets of sustained AUM growth above 20%, net interest spreads above 5%, credit costs below 25 bps and opex-to-AUM falling below 3% over a 2–3 year horizon.

AAVAS Stock Growth Drivers
AAVAS Stock Growth Drivers
6
  • Industry-leading asset quality and disciplined risk management

    The company reports consistently pristine portfolio metrics driven by rigorous underwriting, proactive monitoring and stress

  • Strengthened funding profile and lower cost of funds

    Liability repricing and diversification have materially improved funding economics and resilience during FY26: the company

AAVAS Stock Challenges
AAVAS Stock Challenges
4
  • Margin compression from rate cuts and heightened competitive underwriting

    Sequential and quarter-level evidence shows material yield pressure: a 15-basis-point PLR cut effective March 1

  • Rising operating expenses and impaired opex efficiency

    Operating-efficiency gains of the prior two years reversed in FY26 as cost-to-AUM rose, driven by

AAVAS Forecast

AAVAS Forecasts

Price

Revenue

Earnings

AAVAS

AAVAS

Income

Balance Sheet

Cash Flow

AAVAS Income Statement

AAVAS Income Statement

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Quartermar 2024jun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026
Total Revenue546.80542.56580.45597.92637.49627.93667.45674.62714.83709.10
Operating & Other expensessubtract360.21373.09381.50400.30434.47439.46445.51444.18472.12477.94
Depreciation/Amortizationsubtract9.108.518.939.229.799.3410.7111.1111.9511.05
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract34.8834.8542.1141.9739.5539.8947.2949.2749.1048.84
EPS18.0215.9318.6918.5019.4217.5920.7121.4822.9421.60

AAVAS Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2027FY 2027

Annual Report Pending

Investor Presentation

Jul 21PDF
FY 2026FY 2026

Annual report

PDF

Investor Presentation

May 5PDF
Nov 11PDF
Aug 12PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

Apr 24PDF
Jan 30PDF
Nov 7PDF
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Aug 3PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

May 3PDF
Feb 3PDF
FY 2022FY 2022

Annual report

PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
 

AAVAS Stock Peers

AAVAS Past Performance & Peer Comparison

AAVAS Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsHome Financing

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Aavas Financiers Ltd16.412.13
PNB Housing Finance Ltd13.311.590.68%
LIC Housing Finance Ltd4.880.662.01%
Sammaan Capital Ltd-2.410.79

AAVAS Stock Price Comparison

Compare AAVAS with any stock or ETF
Compare AAVAS with any stock or ETF
AAVAS
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AAVAS Holdings

AAVAS Shareholdings

AAVAS Promoter Holdings Trend

AAVAS Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

High Pledged Promoter Holding
Lower pledged promoter holdings is considered better

A significant proportion of promoter holdings is pledged

AAVAS Institutional Holdings Trend

AAVAS Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

AAVAS Shareholding Pattern

AAVAS Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding48.88%17.15%5.00%16.27%12.69%

Sep 2025

Dec 2025

Mar 2026

Jun 2026

AAVAS Shareholding History

AAVAS Shareholding History

MarJunSepDec '25MarJun29.67%29.77%25.88%24.72%16.74%16.27%

Mutual Funds Invested in AAVAS

Mutual Funds Invested in AAVAS

No mutual funds holding trends are available

Top 5 Mutual Funds holding Aavas Financiers Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
2.5372%0.25%-0.01%235/343 (-168)
1.6231%0.72%-0.07%23/66 (-1)
1.5835%0.22%-0.02%102/273 (+49)

Compare 3-month MF holding change on Screener

AAVAS Insider Trades & Bulk Stock Deals

AAVAS Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing AAVAS stock

smallcases containing AAVAS stock

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have Aavas Financiers Ltd

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Banking Privately Theme

Banking Privately Theme

Created by Windmill Capital

AAVAS's Wtg.
8.90%
8.90%
CAGR
7.51%

AAVAS Events

AAVAS Events

AAVAS Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

AAVAS has not given any dividends in last 5 years

Dividends

Corp. Actions

Announcements

Legal Orders

AAVAS Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

AAVAS has not given any dividends in last 5 years

AAVAS Dividends

AAVAS Dividends

Hmm, looks like data is unavailable here. Please come back after some time

AAVAS Stock News & Opinions

AAVAS Stock News & Opinions

Corporate
Corporate
Aavas Financiers approved issuance of up to Rs 10,00,00,000 in debentures with a 60-month tenor

Aavas Financiers Limited announced that its Executive Committee of the Board of Directors approved the issuance of up to 10,000 Senior, Secured, Rated, Listed, Transferable, Redeemable Non-Convertible Debentures having a face value of Rs 1,00,000 each, with an aggregate nominal value of up to Rs 1,00,00,00,000 on a private placement basis. The debentures will be listed on the Wholesale Debt Market (WDM) segment of BSE Limited and have a tenor of 60 months.

4 days agoCapital Market - Live
Spotlight
Spotlight
Aavas Financiers approves Rs 100 crore NCD issuance via private placement

Aavas Financiers Limited has approved the issuance of up to Rs 100 crore through a private placement of 10,000 Senior, Secured, Rated, Listed, Transferable, Redeemable Non-Convertible Debentures (NCDs), each with a face value of Rs 1,00,000, as authorized by a special resolution passed at the company’s 15th Annual General Meeting on September 16, 2025; the NCDs will be listed on the Wholesale Debt Market (WDM) segment of BSE Limited and will have a tenor of 60 months, with interest payments scheduled quarterly and principal repayment through 20 equal quarterly installments of Rs 5,000 per debenture.

4 days agoCapital Market - Live
Corporate
Corporate
Aavas Financiers Limited’s committee approved equity share allotment under stock option plans

Aavas Financiers Limited announced that its Nomination and Remuneration Committee approved the allotment of 4,301 equity shares of Rs 10 each, pursuant to the exercise of Employee Stock Options under the Performance Stock Option Plan -2023 (“PSOP -2023”) and Performance Stock Option Plan -2024 (“PSOP -2024”) schemes, increasing the company's paid-up equity share capital from Rs 79,29,00,260 to Rs 79,29,43,270.

2 weeks agoCapital Market - Live
Corporate
Corporate
Aavas Financiers appoints Vellur Gopalaraghavan Kannan as Chairperson, succeeding Sandeep Tandon

Aavas Financiers Limited appointed Mr. Vellur Gopalaraghavan Kannan as an Additional Director and Chairperson of the Board, effective August 1, 2026, succeeding Mr. Sandeep Tandon, for a term of one year, subject to shareholder approval; Mr. Kannan brings over 40 years of experience in the banking, financial services, and insurance sector, including a prior role as Managing Director at State Bank of India, and his appointment was welcomed by Aavas Chief Executive Officer Mr. Manu Singh.

1 month agoCapital Market - Live
Corporate
Corporate
Aavas Financiers Limited allotted Rs 200 crore in debentures via private placement to investors

Aavas Financiers Limited announced the allotment of 20,000 Senior, Secured, Rated, Listed, Transferable, Redeemable Non-Convertible Debentures with a face value of Rs 100,000 each, aggregating to Rs 200 crore, following a private placement. The Executive Committee of the Board of Directors approved the allotment on July 30, 2026, with 6,000 debentures allocated to anchor investors and 14,000 to non-anchor investors, receiving a total settlement amount of Rs 200.2240 crore, including Rs 22.40 crore as premium. The debentures, with a coupon rate of 7.80% per annum, will mature on July 30, 2029, and are proposed to be listed on the Wholesale Debt Market of the BSE Limited.

1 month agoCapital Market - Live
Earnings
Earnings
AAVAS Financiers standalone net profit rises 23.01% in the June 2026 quarter

Net profit of AAVAS Financiers rose 23.01% to Rs 171.27 crore in the quarter ended June 2026 as against Rs 139.23 crore during the previous quarter ended June 2025. Sales rose 12.93% to Rs 708.72 crore in the quarter ended June 2026 as against Rs 627.56 crore during the previous quarter ended June 2025. ParticularsQuarter EndedJun. 2026Jun. 2025% Var. Sales708.72627.56 13 OPM %73.8573.21 - PBDT231.16188.46 23 PBT220.11179.12 23 NP171.27139.23 23 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Corporate
AAVAS Financiers schedules board meeting

AAVAS Financiers will hold a meeting of the Board of Directors of the Company on 21 July 2026.

1 month agoCapital Market - Live
Corporate
Corporate
AAVAS Financiers allots 5,039 equity shares under ESOP

AAVAS Financiers has allotted 5,039 equity shares under ESOP on 26 May 2026. With this allotment, the paid up equity share capital has increased to 79,28,77,820 consisting of 7,92,87,782 equity shares having a face value of Rs.10/- each.

3 months agoCapital Market - Live
Earnings
Earnings
AAVAS Financiers standalone net profit rises 18.21% in the March 2026 quarter

Net profit of AAVAS Financiers rose 18.21% to Rs 181.67 crore in the quarter ended March 2026 as against Rs 153.68 crore during the previous quarter ended March 2025. Sales rose 12.33% to Rs 714.68 crore in the quarter ended March 2026 as against Rs 636.21 crore during the previous quarter ended March 2025. For the full year,net profit rose 14.07% to Rs 654.88 crore in the year ended March 2026 as against Rs 574.11 crore during the previous year ended March 2025. Sales rose 13.97% to Rs 2683.46 crore in the year ended March 2026 as against Rs 2354.51 crore during the previous year ended March 2025. ParticularsQuarter EndedYear EndedMar. 2026Mar. 2025% Var.Mar. 2026Mar. 2025% Var. Sales714.68636.21 12 2683.462354.51 14 OPM %72.2073.32 -73.6775.29 - PBDT242.72203.02 20 883.55769.04 15 PBT230.77193.23 19 840.44732.59 15 NP181.67153.68 18 654.88574.11 14 Powered by Capital Market - Live

4 months agoCapital Market - Live
Corporate
Corporate
AAVAS Financiers to convene board meeting

AAVAS Financiers will hold a meeting of the Board of Directors of the Company on 5 May 2026.

4 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. The share price of AAVAS as on 4th September 2026 is ₹1304.20. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. The past returns of Aavas Financiers Ltd (AAVAS) share are
    • Past 1 week: 2.94%
    • Past 1 month: -9.25%
    • Past 3 months: 0.51%
    • Past 6 months: 5.98%
    • Past 1 year: -16.97%
    • Past 3 years: -20.57%
    • Past 5 years: -46.04%

  3. Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Aavas Financiers Ltd (AAVAS) is ₹10746.76 Cr as of 4th September 2026.

  4. The 52-week high of Aavas Financiers Ltd (AAVAS) is ₹1771.90 and the 52-week low is ₹1060.40.

  5. The P/E (price-to-earnings) ratio of Aavas Financiers Ltd (AAVAS) is 16.41. The P/B (price-to-book) ratio is 2.13.

  6. Aavas Financiers Ltd (AAVAS) belongs to the Financials sector & Home Financing sub-sector.

  7. You can directly buy Aavas Financiers Ltd (AAVAS) shares on Tickertape. Simply sign up, connect your demat account and place your order.