| Revenue growth | NII +17% YoY in H1; PAT +16.4% YoY |
|---|---|
| Margins | Q2 NIM 7.81%, +11bps QoQ; spread 5.02% |
| Demand visibility | Q2 disbursements +21% YoY; healthy demand across markets |
Growth
H1 disbursement ₹35.1bn (+30% YoY). NII ₹6,825mn (+17%), PPoP +17.7%. Q2 disbursement ₹18.9bn (+21%).
Outlook
No numeric guidance given. Next milestone ₹500bn AUM; focus on 20% AUM growth. Borrowing cost held at 7.64%; no capex plan disclosed.
Risks
Credit costs up 36.5% YoY in H1. 1+DPD rose QoQ to 3.81%. Repayment rate normalised to ~17%. Several senior roles held by interim or new executives.
Investor Presentation filed with BSE, NSE: AAVAS. Summary written with AI assistance from the document.
Aavas Financiers Ltd: key numbers
- Share price
- ₹1,117.80
- Market cap
- ₹8,864 Cr
- Revenue (annual)
- ₹2,683 Cr
- Net profit (annual)
- ₹654.9 Cr
- P/E (TTM)
- 12.6×Sector 19.7×
- 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 Regulatory Approval
AAVAS Financiers received an IRDAI Certificate of Registration to act as a Corporate Agent, effective December 8, 2026, and perpetual subject to annual fees. The approval lets the company solicit insurance products to its customers.
- Execution
- Valid from December 08, 2026; perpetual subject to annual fee and compliance
Aavas Financiers Management Change
AAVAS Financiers accepted the resignation of Independent Director Soumya Rajan and HIA Ramachandran Venkatesh, and appointed Anjali Seth as Independent Director and Bharat Thakkar as HIA. A postal ballot for Seth's appointment was also approved.
Aavas Financiers Results Update
AAVAS Financiers released H1FY27 investor highlights, with net profit up 16.4% YoY to ₹3.5 billion. Figures come from a press release, not a full results statement.
Aavas Financiers Q2 FY27 Results: Net Profit ₹181.5 Cr, Up 10.7% YoY
Aavas Financiers Ltd reported revenue from operations of ₹736.3 Cr (+10.4% YoY) and net profit of ₹181.5 Cr (+10.7% YoY) for Q2 FY27.
- Key figure
- Net profit ₹181.5 Cr · +10.7% YoY
Aavas Financiers Employee Stock Options
Aavas Financiers granted 1,32,535 stock options to employees under its ESOP-2025 plan. No exercise price or monetary value is specified in the filing.
Aavas Financiers Debt & Borrowing: ₹7.5 Cr
Aavas Financiers completed a partial face-value redemption of Rs.7.50 Crore for its NCDs. The outstanding amount after this payment stands at Rs.52.50 Crore.
- Value
- ₹7.50 Cr