ALFA Finder| Management target | Revenue 17.5% FY27 |
|---|
| Revenue growth | 41% YoY disbursement growth; 18% NII growth. |
|---|---|
| Margins | NIM expanded 22 bps YoY to 7.70%; spread moderated to 5.06%. |
| Demand visibility | Strong momentum in customer acquisition; monthly AUM addition improved 50%. |
| Management confidence | High confidence in strategic initiatives and execution sharpness. |
Growth
AUM grew 15.4% YoY to Rs. 239.3B; Net Profit grew 23% to Rs. 1.71B.
Outlook
Guided 17-18% AUM growth for FY27; aiming for sustainable 20% growth over the medium term.
Risks
Potential spread compression due to competition and focus on lower-yield home loans; macro geopolitical risks.
Last quarter's promises, checked
Delivered
- Guided credit costs <25 bps → delivered 13 bps (= BEAT)
- Guided spread >5% → delivered 5.20% (= BEAT)
- Guided AUM growth 20%+ → delivered 15.4% (= MISS)
Partly delivered
- Guided opex/AUM <3% (2-3yr) → delivered 43.7% C/I ratio (= PARTIAL)
Missed
- Guided AUM growth 20%+ → delivered 15.4% (= MISS)
Investor Presentation filed with BSE, NSE: AAVAS. Summary written with AI assistance from the document.
Aavas Financiers Ltd: key numbers
- Share price
- ₹1,119.60
- Market cap
- ₹8,878 Cr
- Revenue (annual)
- ₹2,683 Cr
- Net profit (annual)
- ₹654.9 Cr
- P/E (TTM)
- 12.6×Sector 20.8×
- 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