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Aavas Financiers Ltd.

1,062.80−50.50 (−4.54%)

BSE · 30 Oct, 4:01 PM

: ₹8,427.56 Cr
: 17.17
: 10,091
: ₹1,109.85 - ₹1,056.00
: ₹1,774.95 - ₹1,050.25

Aavas Financiers Ltd. (AAVAS) share price closed at ₹1,062.80 on the BSE on Friday, October 30, 2026, down by 4.54% from its of ₹1,113.30. In that session AAVAS reached a of 1,109.85 and of 1,056.00. The for the session was 1,076.51. The stands at 1,243.28 and is at 1,327.94. Looking at , the stock ended the session in Downtrend.

Stock Overview

₹1,108.55

₹1,113.30

₹1,076.51

₹1,243.28

Price 14.52% below

₹1,327.94

Price 19.97% below

Key Fundamentals

: 8,427.56 Cr₹8.43 Thousand Crore
: 61.88
: 17.17
: —
: —
: 1,488.20 Cr₹1.49 Thousand Crore
: 0.00 %
Sector
Industry: Finance - Housing
: 14.13
: 3.31

Industry Comparison

Ratio	Company	Sector
	17.17	19.05
	3.31	0.27
	—	1.34
	0.57	1.67
	0.00 %	0.12 %
Operating Margin	73.60 %	47.62 %

Sector figures are the median of 194 listed Finance companies.

Peer Comparison

Name
BAJAJHFL BAJAJHFL	77.40	619.17	64,492.27	0.00					7.09
PIRAMALFIN PIRAMALFIN	1,823.55	22.67	43,150.72	0.60	545.42	66.80%	3,659.19	27.43%	7.74
HUDCO HUDCO	142.55	6.72	28,537.08	4.24	851.11	35.05%	3,717.17	26.55%	8.41
PNBHOUSING PNBHOUSING	1,059.20	11.75	27,624.35	0.76	616.55	6.01%	2,423.15	13.88%	9.41
LIC HOUS.FIN LICHSGFIN	494.75	4.74	27,214.37	2.02	1,506.59	11.65%	7,194.22	1.47%	8.59
AADHARHFC AADHARHFC	418.50	16.21	18,346.75	0.00	282.36	19.00%	992.89	17.06%	11.31
SAMMAANCAP SAMMAANCAP	116.80		13,602.02	0.00	243.30	-27.22%	1,651.93	-31.18%	-4.70
Aavas Financiers Ltd. AAVAS	1,062.80	17.17	8,427.56	0.00	142.48	12.34%	546.02	21.42%	9.96

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
	352.86	394.85	411.37	449.69	466.97	496.84	508.06	546.02
Expenses	97.61	109.69	117.06	118.05	132.27	129.03	134.22	138.78
	255.25	285.16	294.31	331.64	334.70	367.81	373.84	407.24
	72.34%	72.22%	71.54%	73.75%	71.68%	74.03%	73.58%	74.58%
	0.09	0.33	0.71	0.71	0.04	0.78	1.19	0.78
Interest	134.68	141.02	150.35	165.00	186.63	203.60	216.57	221.56
	6.23	6.92	6.90	8.68	7.28	7.63	8.66	9.10
	114.44	137.56	137.77	158.66	140.84	157.36	149.82	177.36
	22.19%	22.47%	22.24%	20.07%	22.02%	22.69%	22.09%	19.67%
	89.05	106.64	107.12	126.83	109.83	121.66	116.72	142.48
	11.28	13.49	13.55	16.04	13.89	15.38	14.75	18.00

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2019-20 (Mar)	FY 2020-21 (Mar)	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
INCOME :
Operating Income	902.55	1,103.36	1,304.45	1,608.76	2,017.90
Operating Income (Net)	902.55	1,103.36	1,304.45	1,608.76	2,017.90
EXPENDITURE :
Employee Cost	147.41	173.05	234.29	301.59	355.91
Operating & Establishment Expenses	30.49	37.44	52.37	66.72	82.82
Administrations & Other Expenses	28.21	20.56	34.47	52.39	61.10
Provisions and Contingencies	18.68	41.72	29.06	20.24	32.93
	224.79	272.78	350.18	440.94	532.75
Operating Profit (Excl OI)	677.76	830.58	954.27	1,167.83	1,485.15
	0.80	2.16	1.20	2.25	3.05
	678.56	832.74	955.47	1,170.08	1,488.20
Interest	357.06	459.58	479.02	592.93	830.16
	19.56	20.61	23.76	28.72	32.66
Profit Before Taxation & Exceptional Items	301.94	352.55	452.69	548.42	625.37
	301.94	352.55	452.69	548.42	625.37
Provision for Tax	52.89	63.63	97.51	118.78	134.68
	249.04	288.92	355.18	429.64	490.69
Consolidated Net Profit	249.04	288.92	355.18	429.64	490.69
Profit Balance B/F	347.99	547.19	778.87	1,084.68	1,438.29
Appropriations	597.03	836.11	1,134.06	1,514.32	1,928.99
	31.80	36.80	45.00	54.35	62.00
Adjusted EPS	31.80	36.80	45.00	54.35	62.00

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2019-20 (Mar)	FY 2020-21 (Mar)	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)
	78.32	78.50	78.94	79.06	79.14
Share Warrants & Outstandings	11.72	18.08	31.13	44.21	51.54
Total Reserves	2,007.87	2,304.22	2,696.36	3,146.40	3,642.63
Reserve excluding Revaluation Reserve	2,007.87	2,304.22	2,696.36	3,146.40	3,642.63
	2,097.92	2,400.81	2,806.43	3,269.66	3,773.32
Secured Loans	4,035.12	4,184.41	5,136.26	6,544.33	8,312.23
Unsecured Loans	198.68	198.97	556.83	607.45	458.19
Deferred Tax Assets / Liabilities	31.67	28.29	34.58	49.25	60.25
Other Long Term Liabilities	2.01	24.19	29.07	35.81	54.49
Long Term Provisions	7.28	3.72	4.07	6.60	8.40
Total Non-Current Liabilities	4,274.77	4,439.59	5,760.81	7,243.44	8,893.56
Trade Payables	17.39	2.85	3.70	8.61	30.94
Other Current Liabilities	148.73	153.96	167.13	198.98	255.56
Short Term Borrowings	1,118.23	1,962.04	2,279.41	2,688.91	3,566.07
Total Current Liabilities	1,284.35	2,118.86	2,450.24	2,896.51	3,852.58
Total Liabilities	7,657.03	8,959.26	11,017.48	13,409.61	16,519.45
Loans (Non - Current Assets)	6,180.80	7,523.29	9,053.42	11,476.27	14,004.37
Gross Block	99.71	117.93	148.41	187.89	254.04
Less: Accumulated Depreciation	39.81	59.67	82.25	109.52	138.04
	59.90	58.26	66.16	78.37	116.00
	0.31
Non Current Investments			52.52	110.72	182.16
Long Term Investment			52.52	110.72	182.16
Long Term Loans & Advances	2.73	3.20	3.79	4.91	5.29
Other Non Current Assets	0.01	0.01
Total Non-Current Assets	6,244.15	7,585.16	9,178.00	11,690.64	14,319.01
Sundry Debtors				1.22	12.22
Cash and Bank	1,196.73	1,125.17	1,545.73	1,392.83	1,797.82
Other Current Assets	10.32	35.15	24.34	24.44	39.49
Short Term Loans and Advances	188.79	195.38	246.02	287.97	349.00
Total Current Assets	1,395.83	1,355.70	1,816.09	1,706.47	2,198.53
Net Current Assets (Including Current Investments)	111.49	-763.16	-634.16	-1,190.04	-1,654.05
Total Assets	7,657.03	8,959.26	11,017.48	13,409.61	16,519.45
Total Debt	5,352.04	6,345.42	7,972.50	9,840.69	12,336.50
	266.36	303.51	351.59	407.99	470.28
Adjusted Book Value	266.36	303.51	351.59	407.99	470.28

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2019-20 (Mar)	FY 2020-21 (Mar)	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
	301.94	352.55	452.69	548.42	625.37
Adjustment	20.21	49.99	23.76	10.71	4.51
Changes In working Capital	-1,433.08	-1,419.51	-1,536.74	-2,390.29	-2,485.92
Cash Flow after changes in Working Capital	-1,110.93	-1,016.97	-1,060.29	-1,831.15	-1,856.03
Cash Flow from Operating Activities	-1,172.24	-1,071.17	-1,135.11	-1,924.12	-1,986.59
Cash Flow from Investing Activities	-341.76	-264.92	-462.61	195.70	-646.80
Cash Flow from Financing Activitie	1,704.56	1,007.59	1,623.43	1,858.26	2,477.28
Net Cash Inflow / Outflow	190.56	-328.50	25.71	129.84	-156.11
Opening Cash & Cash Equivalents	160.03	350.59	22.10	47.81	177.65
Cash & Cash Equivalent of Subsidiaries under liquidations					-0.98
Closing Cash & Cash Equivalent	350.59	22.10	47.81	177.65	20.56

Ratios

Valuation

17.17

12.74

4.18

61.88

Profitability

14.13

9.96

3.28

73.60

24.32

Leverage & Liquidity

3.31

0.57

1.75

Returns

0.00

0.13

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26	Sep '26
	26.47	26.47	26.47	26.47	48.96	48.96	48.95	48.88	48.88	48.88
	60.28	61.04	58.95	40.42	41.28	40.02	39.00	38.87	38.42	37.59
	13.25	12.48	14.57	33.11	9.75	11.02	12.04	12.25	12.70	13.54
	73.53	73.53	73.53	73.53	51.04	51.04	51.05	51.12	51.12	51.12
No. of Shareholders	1,44,395	1,44,452	1,47,894	1,32,792	1,21,862	1,22,052	1,20,695	1,17,980	1,13,498	1,08,686

Mutual Funds Invested(83)

Based on each fund's latest monthly portfolio · Sep 2026

A total of 42 active funds hold 17.55% in Aavas Financiers Ltd., contributing to ₹1.69K Cr of holdings

Fund				As of
HD HDFC Balanced Advantage Fund - Growth - Direct PlanHybrid - Balanced Advantage	243.01	0.24	20,05,198	Sep '26
UT UTI Flexi Cap Fund - Growth - Direct PlanFlexi Cap Fund	154.64	0.69	12,76,000	Sep '26
NI Nippon India Small Cap Fund - Growth - Direct PlanSmall cap Fund	153.79	0.19	12,68,993	Sep '26
IP ICICI Prudential Banking & Financial Services Fund - Growth - Direct PlanBanks & Financial Services	142.62	1.32	11,76,831	Sep '26
SB SBI Banking & Financial Services Fund - Growth - Direct PlanBanks & Financial Services	104.93	1.01	8,65,865	Sep '26
IP ICICI Prudential Small Cap Fund - Growth - Direct PlanSmall cap Fund	103.82	1.06	8,56,634	Sep '26
FT Franklin India Opportunities Fund - Growth - Direct PlanEquity - Thematic Fund - Other	99.38	1.04	8,20,020	Sep '26
SU Sundaram Services Fund - Growth - Direct PlanService Industry	81.83	1.64	6,75,213	Sep '26
SB SBI ELSS Tax Saver Fund - Growth - Direct PlanEquity - ELSS - Tax Saver Fund	75.72	0.25	6,24,833	Sep '26
HD HDFC Value Fund - Growth - Direct PlanEquity - Value Fund	63.94	0.80	5,27,601	Sep '26

Corporate Actions

Showing: All

Date	Type	Details
2026-10-13	Board Meeting	Quarterly Results
2026-08-24	AGM
2026-07-14	Board Meeting	Quarterly Results

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

FinanceFinance - Housing

Aavas Financiers Ltd. operates in the Finance sector under the Finance - Housing industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

9 members across the board and senior leadership

Saurabh Sharma

Company Secretary & Compliance Officer

—

Vellur Gopalaraghavan Kannan

Chairman

—

Vivek Anant Karve

Non Executive Independent Director

—

Soumya Rajan

Non Executive Independent Director

₹30.00 L

Mar '25

Siddharth Tapaswin Patel

Nominee Director

—

Nikhil Omprakash Gahrotra

Nominee Director

—

Neha Sureka

Nominee Director

—

Rohit Ranjan

Nominee Director

₹15.00 L

Mar '26

Anant Jain

Nominee Director

—

AAVAS Latest News

News

7 of 7 articles

EQUITY26 Oct 2026 · 13:07

Aavas Financiers informs about grant of stock options

EQUITY15 Sept 2026 · 14:52

Aavas Financiers moves up on raising Rs 100 crore through NCDs

The NCDs carry a coupon rate of 7.60% per annum and have a tenor of 60 months

COMPANY11 Sept 2026 · 15:12

Aavas Financiers raises Rs 100 crore through NCDs

The NCDs carry a coupon rate of 7.60% per annum and have a tenor of 60 months

EQUITY21 Jul 2026 · 13:01

Aavas Financiers informs about grant of stock option

EQUITY14 Jul 2026 · 16:05

AAVAS Financiers informs about board meeting

EQUITY1 Jul 2026 · 12:38

AAVAS Financiers informs about credit rating

EQUITY5 May 2026 · 16:49

Aavas Financiers reports Profit after tax of Rs 1816.67 Mln, in the March 2026 quarter

Aavas Financiers Ltd.

Stock Overview

Price chart

Peer Comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flow

Ratios

Valuation

Profitability

Leverage & Liquidity

Returns

Shareholding Pattern

Mutual Funds Invested(83)

Corporate Actions

Insider Trading

Sector Overview

Company Profile

Key Management

AAVAS Latest News

News