AAVAS · NSE
Aavas Financiers Limited
₹1,284.6
-0.56% (-₹7.2)
Prev. close
₹1,291.8
Volume
1,64,549
Delivery %
63.1%
As of
18 Sept 2026
Price history
Analyst sentiment
Analysts lean bullish
1 analyst stance · last 90 days · one per analyst
Trackable
none in window
Long-Horizon
none in window
Commentary
1 · 1 bull / 0 neutral / 0 bear
Trackable = verdict-bearing calls · Long-Horizon = 1yr+ horizon, verdict pending · Commentary = context, not graded
Analyst opinions
Market commentary · 1 · levels, conditionals, previews, macro & hedged views — context, not graded
| Call | Analyst | Instrument | Verdict | Actions |
|---|---|---|---|---|
| “Bullish on Aavas Financiers with a target price of ₹1,650, indicating a potential upside of 9.6% from its current market…” | InCred Equities AnalysisInCred Equities | Aavas Financiers | NOT GRADED |
Fundamentals
About Aavas Financiers Limited
Aavas Financiers Limited provides housing finance services to low- and middle-income customers in semi-urban and rural areas in India. The company offers home loans for flats, houses, and bungalows; home construction loans for residential houses; resale property purchase loans, and home improvement loans, including loans for tiling or flooring, plaster or painting, etc. It also provides loans against property; micro, small, and medium enterprise loans; and home loan balance transfer, as well as cash salaried plus loans and small ticket size loans. The company was formerly known as AU Housing Finance Limited and changed its name to Aavas Financiers Limited in May 2017. Aavas Financiers Limited was incorporated in 2011 and is based in Jaipur, India.
Details
Sector
Financial Services
Industry
Mortgage Finance
CEO
Mr. Manu Yeshpal Singh
Headquarters
Jaipur
Employees
7,649
Website
aavas.inExchange
View on NSE ↗Key stats
Market cap
₹10,186.15 Cr
P/E ratio (TTM)
14.9
EPS (TTM)
₹86.16
Beta (1Y · daily vs NIFTY 50)
0.88
Beta (5Y · monthly vs NIFTY 50)
1.20
Shares float
3.92 Cr
EPS · quarter ended Jun 2026
₹21.51
Upcoming earnings
21 Oct 2026
Financial Performance
01 · Financials
FY21 growth needs FY20 filings, which the data source doesn't provide. EBITDA is omitted from this chart: coverage begins inside the plotted window, and every plotted period must carry a complete point set — the P&L table below has the available figures.
02 · Earnings Per Share (EPS)
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹1,103.36 Cr | ₹1,304.45 Cr | ₹1,355.52 Cr | ₹1,679.98 Cr | ₹1,987.52 Cr | ₹2,272.65 Cr | |
| EBITDA | ₹831.41 Cr | ₹953.95 Cr | ₹581.05 Cr | ₹662.56 Cr | — | — |
| ₹289.00 Cr | ₹355.18 Cr | ₹429.64 Cr | ₹490.69 Cr | ₹574.11 Cr | ₹654.88 Cr | |
| Diluted EPS | ₹36.54 | ₹44.81 | ₹54.26 | ₹61.93 | ₹71.97 | ₹82.14 |
Total expenses (as filed), Employee benefit expense, Other expenses, EBITDA, Interest expense, Other income have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹8,959.00 Cr | ₹11,017.00 Cr | ₹13,410.00 Cr | ₹16,519.00 Cr | ₹18,618.47 Cr | ₹21,212.50 Cr | |
| — | ₹7,912.15 Cr | ₹9,887.28 Cr | ₹12,411.92 Cr | ₹13,918.48 Cr | ₹15,685.57 Cr | |
| Stockholders' equity | — | — | ₹3,269.66 Cr | ₹3,773.32 Cr | ₹4,360.83 Cr | ₹5,050.85 Cr |
Current assets, Inventory, Trade receivables, Cash & equivalents, Non-current assets, CWIP, Others, Total debt, Long-term debt, Current (short-term) debt, Stockholders' equity have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹-1,071.17 Cr | ₹-1,135.11 Cr | ₹-1,914.00 Cr | ₹-1,987.00 Cr | ₹-1,660.13 Cr | ₹-1,386.42 Cr | |
| Investing cash flow | ₹-264.92 Cr | ₹-462.61 Cr | ₹195.70 Cr | ₹-646.80 Cr | — | — |
| ₹1,007.59 Cr | ₹1,623.43 Cr | ₹1,858.00 Cr | ₹2,477.00 Cr | ₹1,474.66 Cr | ₹1,720.21 Cr | |
| Capital expenditure | ₹-8.29 Cr | ₹-15.60 Cr | ₹-38.95 Cr | ₹-32.74 Cr | ₹-30.07 Cr | ₹-32.80 Cr |
| End cash position | ₹22.10 Cr | ₹47.81 Cr | ₹177.65 Cr | ₹20.56 Cr | ₹11.31 Cr | ₹228.57 Cr |
Change in working capital, Investing cash flow, Dividends paid have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Sep 21 | Dec 21 | Mar 22 | Jun 22 | Sep 22 | Dec 22 | Mar 23 | Jun 23 | Sep 23 | Dec 23 | Mar 24–Mar 25(5Q) | Jun 25–Sep 25(2Q) | Dec 25 | Mar 26–Jun 26(2Q) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 39.22% | 39.21% | 39.20% | 39.19% | 39.16% | 39.15% | 39.14% | 39.13% | 39.11% | 39.10% | 26.47% | 48.96% | 48.95% | 48.88% |
| Public | 60.78% | 60.79% | 60.80% | 60.81% | 60.84% | 60.85% | 60.86% | 60.87% | 60.89% | 60.90% | 73.53% | 51.04% | 51.05% | 51.12% |
| Employee trusts | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| Aavas Financiers Limited | ₹10,243.24 Cr | ₹1,284.6 | 15.0 | 2.03 | 13.0% | 3.11 | +14.3% | -22.1% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
IPO documents
Annual reports
Show all 14
Concall transcripts
Show all 12
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
20 indices
NSE weights are a free-float market-cap-share estimate, not NSE’s own published (and sometimes capped) index weight. BSE weights are BSE’s own published index weight, not an estimate. Indices without weight data are listed without one, in alphabetical order after the weighted ones.
RBI Approves Manu Yeshpal Singh as Aavas Financiers MD
The RBI has approved Manu Yeshpal Singh as the Managing Director of Aavas Financiers Limited for a five-year term. This appointment is effective from September 17, 2026, and is pending further approval by the company's Board of Directors.
Aavas Financiers Q2 Results FY27: Date and Expectations
Aavas Financiers' Q2 FY27 results date is unconfirmed as of September 8, 2026, with no board meeting intimation filed. Indian listing rules require results within 45 days of the quarter end, setting a November 14, 2026, deadline. The company's Q1 FY27 net profit was Rs 171.00 crore, compared to Rs 164.00 crore in Q2 FY26.