ALFA Finder| Management target | Revenue 18.0% FY27 |
|---|
| Revenue growth | AUM growth target high-teens; NII grew 18% YoY. |
|---|---|
| Margins | NIM improved to 7.70%; Spread at 5.06%. |
| Order book | Active loan count at 2,75,869; disbursements ₹16.1 bn. |
| Demand visibility | Strong monthly AUM additions; focus on affordable housing EWS/LIG segments. |
| Management confidence | High; emphasis on 'People, Performance, Perseverance' strategy and execution. |
Growth
AUM grew 15.4% YoY to ₹239.3 bn. Net profit increased 23% YoY to ₹1.71 bn. Disbursements rose 41% YoY.
Outlook
Targeting high-teens AUM growth. Expanding reach with 440 branches and focusing on digital/AI-led operational efficiencies.
Risks
Potential interest rate fluctuations and macro-geopolitical issues; focus remains on maintaining pristine asset quality amidst growth.
Last quarter's promises, checked
Delivered
- Credit cost guide <25 bps → delivered 13 bps (= BEAT)
- Spread guide 5%+ → delivered 5.06% (= BEAT)
- NIM expansion target → delivered 7.70% (vs 8.45% Q4 peak) (= BEAT)
Partly delivered
- Opex/AUM guide <3% → delivered 43.7% C/I (improving but high) (= PARTIAL)
Missed
- AUM growth guide 20%+ → delivered 15.4% (= MISS)
Investor Presentation filed with NSE, NSE: AAVAS. Summary written with AI assistance from the document.
Aavas Financiers Ltd: key numbers
- Share price
- ₹1,123.50
- Market cap
- ₹8,909 Cr
- Revenue (annual)
- ₹2,683 Cr
- Net profit (annual)
- ₹654.9 Cr
- P/E (TTM)
- 12.7×Sector 21.0×
- Promoter holding
- 48.88%+0.00% QoQ
- FII holding
- 15.20%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 Other Announcement
AAVAS Financiers disclosed that Morningstar Sustainalytics improved its ESG risk score to 21.4 from 23.9. The rating was assigned voluntarily without company engagement.
Aavas Financiers Credit Rating
AAVAS Financiers received a rating watch with developing implications from India Ratings on its Rs. 100 crore short-term debt, with IND A1+ retained. The rating action is a credit rating event for investors to track.
Aavas Financiers Management Change
Aavas Financiers re-designated its CEO Manu Yeshpal Singh as Executive Director (MD) and Sanjeev Srinivasan as Non-Executive Nominee Director. Both changes effective 19-Sep-2026.
Aavas Financiers Annual General Meeting
AAVAS Financiers shareholders approved, via postal ballot, Manu Yeshpal Singh as Director and Managing Director and Sanjeev Srinivasan as Nominee Director. All resolutions passed.
Aavas Financiers Business Update
AAVAS Financiers crossed Rs. 25,000 Crore in Assets Under Management, a milestone with 443 branches and over 3.8 lakh families served. The filing is a press release with no new transaction or financial figures.
Aavas Financiers Debt & Borrowing: ₹22.3 Cr
Aavas Financiers certified timely half-yearly interest payment of ₹22.30 Crore on its NCDs (ISIN INE216P07241). No redemption payment was made during the period.
- Value
- ₹22.30 Cr