| Margins | NIMs expanded to 8.45% in Q4; spreads stabilized at 5.20%. |
|---|---|
| Demand visibility | Strong tailwinds in affordable housing; expanding in South India, UP, Gujarat. |
| Management confidence | High; focusing on 20%+ AUM growth and sharp execution. |
Growth
AUM grew 15% Y-o-Y; disbursements rose 11% to ₹67.8 billion in FY26. Q4 disbursements surged 36% Q-o-Q.
Outlook
Targets 20%+ AUM growth; guidance for credit costs below 25 bps; long-term opex/AUM target of 2.75%.
Risks
Rising competition from large HFCs in Tier 2/3 markets; potential impact of geopolitical tensions on inflation.
Earnings Call filed with BSE, NSE: AAVAS. Summary written with AI assistance from the document.
Aavas Financiers Ltd: key numbers
- Share price
- ₹1,267.70
- Market cap
- ₹10,052 Cr
- Revenue (annual)
- ₹2,683 Cr
- Net profit (annual)
- ₹654.9 Cr
- P/E (TTM)
- 14.6×Sector 22.0×
- Promoter holding
- 48.88%+0.00% QoQ
- FII holding
- 16.28%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Aavas Financiers Ltd
All →Aavas Financiers Debt & Borrowing: ₹3.25 Cr
AAVAS Financiers paid interest of ₹3.25 Crore on its NCDs (ISINs: INE216P07225, INE216P07290). This fulfills the company's scheduled debt servicing obligations.
- Value
- ₹3.25 Cr
Aavas Financiers Debt & Borrowing: ₹15 Cr
Aavas Financiers made scheduled interest and part-redemption payments of ₹15 Crore on its NCDs. This fulfills the company's debt obligation under SEBI LODR regulations.
- Value
- ₹15.00 Cr
Aavas Financiers Credit Rating
CARE Ratings has assigned and affirmed credit ratings of CARE AA(RWD) for Aavas Financiers Limited's various debt instruments and bank facilities.
Aavas Financiers Other Announcement
Aavas Financiers received an ESG rating of 69 (Strong) from ESG Risk Assessments and Insights Limited, assigned voluntarily based on public information.
Aavas Financiers Legal & Regulatory
Aavas Financiers faces a penalty of ₹1.09 Crore and must repay a ₹12.24 Crore refinance facility as per National Housing Bank's directive.
- Value
- ₹13.33 Cr
Aavas Financiers Regulatory Approval
Aavas Financiers received RBI approval for the appointment of Mr. Manu Yeshpal Singh as Managing Director for a five-year term, subject to subsequent Board approval.