- Next results date: the board meets on 26 Oct 2026 to consider: financial results and other business matters.
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies.
- ₹8,834 Cr537th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. The filing of 21 Jul 2026
- 12.9
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 5 May 2026
- 1.7
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it. The filing of 21 Jul 2026
- 14.6%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 6.75%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 7.44%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 0.19%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026.
- 3.29%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 4.23times net worth
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day.
- 1,19,50549.1% delivered
Results
Standalone, as consolidated accounts are on record for only 6 of the last ten years; ₹ crore, the charts by years to March, the table by quarter. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.Quarterly results
Quarter to Jun 2026, against the quarter beforeFiled 21 Jul
- Income from operationsIncome from operations. The pill is the change in income from operations against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹709 Crdown 0.83%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹171 Crdown 5.72%
Income from operations by year
Net profit by year, a loss in red
| ₹ crore | Sep 2024Filed 11 Nov | Dec 2024Filed 3 Feb | Mar 2025Filed 29 Apr | Jun 2025Filed 12 Aug | Sep 2025Filed 11 Nov | Dec 2025Filed 5 Feb | Mar 2026Filed 5 May | Jun 2026Filed 21 Jul |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 579 | 597 | 636 | 628 | 667 | 674 | 715 | 709 |
| Net profit | 148 | 146 | 154 | 139 | 164 | 170 | 182 | 171 |
Business segments
In the year to Mar 2026 the company reports one business segment, HFC-SI, which carries all its revenue.
Valuation
Today, against the company's own history. Not shown, EV/EBITDA: not used for a lender or an insurer. Dividend yield is not shown: no dividend in the years on record.PE ratio and valuation history
At or below today's level on 0.1% of 1,797 trading days since Jul 2019.
At or below today's level on 0.1% of 1,797 trading days since Jul 2019.
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −48.3% | +14.0% | −54.6% | 0.0% |
| 3 years | −12.5% | +15.0% | −23.9% | 0.0% |
| 5 years | −14.9% | +17.5% | −27.6% | 0.0% |
Mutual funds holding it
81 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 38 of the 46 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future. 1 more fund filed its first portfolio on record, holding it.Mutual fund holdings
- Bought for the first timeBought for the first time. Funds that held it at the month's end and had not held it in any month on record before.
- 1
- AddedAdded. Funds that held more shares than at the end of the month before.
- 16
- CutCut. Funds that held fewer shares than at the end of the month before.
- 30
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 33
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end.
- 4
| Fund | |||
|---|---|---|---|
 HDFC Balanced Advantage FundHDFC Mutual Fund | 20,05,198 | 0.24% | ₹243.0 Cr |
 UTI Flexi Cap FundUTI Mutual Fund | 12,76,000 | 0.69% | ₹154.6 Cr |
 Nippon India Small Cap FundNippon India Mutual Fund | 12,68,993 | 0.19% | ₹153.8 Cr |
 ICICI Prudential Banking and Financial Services FundICICI Prudential Mutual Fund | 11,76,831 | 1.32% | ₹142.6 Cr |
 SBI Banking & Financial Services FundSBI Mutual Fund | 8,65,865 | 1.01% | ₹104.9 Cr |
| ICICI Prudential Small Cap FundICICI Prudential Mutual Fund | 8,56,634 | 1.06% | ₹103.8 Cr |
 Franklin India Opportunities FundFranklin Templeton Mutual Fund | 8,20,020 | 1.04% | ₹99.4 Cr |
 Sundaram Services FundSundaram Mutual Fund | 6,75,213 | 1.64% | ₹81.8 Cr |
| SBI ELSS Tax Saver FundSBI Mutual Fund | 6,24,833 | 0.25% | ₹75.7 Cr |
| HDFC Value FundHDFC Mutual Fund | 5,27,601 | 0.80% | ₹63.9 Cr |
Peers and competitors
Housing Finance Company, 19 listed companies, priced on 23 Oct 2026. The table lists the 8 companies closest to Aavas Financiers in market cap.
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
 Sammaan CapitalSAMMAANCAP | 13,391 | – | 0.7 | −17.1% | – | −35.5% | −9.89% | −0.06% | 0.00% |
 Home First Finance Company IndiaHOMEFIRST | 10,477 | 18.0 | 2.4 | +21.3% | +40.3% | 16.9% | 3.95% | 6.99% | 0.52% |
 Aptus Value Housing Finance IndiaAPTUS | 9,840 | 10.0 | 1.9 | +22.9% | +23.3% | 21.0% | 7.76% | 11.34% | 2.29% |
 Can Fin HomesCANFINHOME | 9,421 | 8.2 | 1.5 | +7.9% | +25.1% | 19.4% | 2.54% | 3.84% | 2.12% |
 India Shelter Finance CorporationINDIASHLTR | 6,698 | 12.7 | 2.1 | +25.7% | +28.1% | 17.9% | 5.82% | 9.73% | 1.63% |
 Repco Home FinanceREPCOHOME | 1,926 | 4.0 | 0.5 | +5.9% | +3.8% | 12.9% | 3.05% | 5.05% | 1.62% |
 GIC Housing FinanceGICHSGFIN | 676 | 4.3 | 0.3 | +1.2% | +22.2% | 7.7% | 1.40% | 3.50% | 3.58% |
 SRG Housing FinanceSRGHFL | 159 | 4.6 | 0.5 | +31.3% | +35.0% | 12.2% | 3.18% | 10.43% | 0.00% |
Latest announcements
Routine notices left out.Share news and announcements
Oct 2026
Sep 2026
Aavas Financiers share price by year
Each calendar year to 2025.Aavas Financiers share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 1,464.00 | −12.8% | 2,220.50 | 1,455.70 |
| 2024 | 1,679.55 | +9.6% | 1,935.75 | 1,315.65 |
| 2023 | 1,532.25 | −17.0% | 2,023.30 | 1,336.95 |
| 2022 | 1,845.85 | −29.4% | 3,195.80 | 1,838.35 |
| 2021 | 2,616.05 | +54.3% | 2,974.05 | 1,720.65 |
| 2020 | 1,695.55 | −14.4% | 2,039.90 | 874.50 |
| 2019 | 1,981.10 | +131.0% | 1,981.10 | 825.20 |
| 2018 | 857.50 | – | 857.50 | 635.10 |
Recent sessions
The last 10 trading days to 23 Oct 2026, as traded on NSE.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 23 Oct 2026 | 1,157.00 | 1,157.00 | 1,103.30 | 1,114.10 | 1,119.35 | 1,19,505 | 49.1% |
| 22 Oct 2026 | 1,180.80 | 1,180.80 | 1,151.00 | 1,162.30 | 1,161.60 | 56,228 | 53.5% |
| 21 Oct 2026 | 1,169.90 | 1,197.60 | 1,138.00 | 1,180.80 | 1,164.93 | 43,475 | 46.2% |
| 19 Oct 2026 | 1,187.60 | 1,192.70 | 1,165.00 | 1,167.00 | 1,177.37 | 63,168 | 67.7% |
| 16 Oct 2026 | 1,193.80 | 1,224.00 | 1,183.40 | 1,195.20 | 1,213.35 | 1,42,658 | 73.0% |
| 15 Oct 2026 | 1,219.40 | 1,219.40 | 1,189.90 | 1,193.80 | 1,202.00 | 32,235 | 49.1% |
| 14 Oct 2026 | 1,204.90 | 1,228.50 | 1,183.10 | 1,219.40 | 1,200.46 | 69,712 | 44.7% |
| 13 Oct 2026 | 1,202.00 | 1,231.00 | 1,190.00 | 1,221.20 | 1,211.65 | 35,979 | 48.8% |
| 12 Oct 2026 | 1,190.70 | 1,212.00 | 1,188.90 | 1,194.40 | 1,204.48 | 79,124 | 81.2% |
| 9 Oct 2026 | 1,190.50 | 1,206.40 | 1,180.00 | 1,193.00 | 1,194.27 | 31,732 | 42.7% |
About Aavas Financiers
Aavas Financiers Limited is a housing finance company that lends to low and middle-income customers in semi-urban and rural parts of India. Its home loans help customers purchase a new home, construct a house, or improve and extend one. It also offers MSME loans, which are loans to micro, small and medium businesses. Many of its borrowers are self-employed, new-to-credit and new-to-mortgage customers, whose incomes are often informal. Its stated mission is to empower and upgrade the lives of low and middle-income customers.
As of 31 March 2026, the company had 435 branches in 13 states and 2 union territories, including Rajasthan, Maharashtra and Gujarat. The others are Madhya Pradesh, Haryana, Uttar Pradesh, Chhattisgarh, Punjab, Uttarakhand, Himachal Pradesh, Karnataka, Odisha and Tamil Nadu, plus Delhi and Chandigarh. It added a net 38 branches during the year to March 2026. It has served over 4,05,000 families since it began lending, and it has cumulatively funded over 700 green homes.
It was incorporated in 2011 as a subsidiary of AU Financiers India Limited, now AU Small Finance Bank. The company went public in 2018. In the years between, it grew into a standalone, professionally managed institution backed by Kedaara Capital and Partners Group.
In 2025, CVC Capital Partners became its promoter. A promoter is the person or group that set up a company or controls it.
- Legal name
- Aavas Financiers Limited
- NSE symbol
- AAVAS
- BSE code
- 541988
- ISIN
- INE216P01012
- Industry
- Finance
- Listed
- Oct 2018
- Face value
- ₹10
- CIN
- L65922RJ2011PLC034297
- Corporate identity number, the registrar of companies' code for it