About
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.
Key Metrics
as of Sep 2026Market Cap10,342 Cr
P/E21.10
Div Yield0.00 %
Book Value₹477.00
52w High₹1,775.00
52w Low₹1,050.00
Face Value₹10.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 185.00 | 199.00 | 170.00 | 170.00 | 168.00 | 170.00 | 142.00 | 133.00 | 138.00 | 139.00 | 134.00 | 130.00 | 132.00 |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | 1.00 | 1.00 | 0.00 | 1.00 | 1.00 | 1.00 | 0.00 |
| Depreciation | 11.00 | 12.00 | 11.00 | 11.00 | 9.00 | 10.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 8.00 | 7.00 |
| Interest | 293.00 | 273.00 | 274.00 | 276.00 | 271.00 | 265.00 | 259.00 | 249.00 | 235.00 | 222.00 | 217.00 | 204.00 | 187.00 |
| Profit before tax | 220.00 | 231.00 | 219.00 | 211.00 | 179.00 | 193.00 | 188.00 | 190.00 | 161.00 | 177.00 | 150.00 | 157.00 | 141.00 |
| Tax % | 22.00 | 21.00 | 22.00 | 22.00 | 22.00 | 20.00 | 22.00 | 22.00 | 22.00 | 20.00 | 22.00 | 22.00 | 22.00 |
| Net Profit | 171.00 | 182.00 | 170.00 | 164.00 | 139.00 | 154.00 | 146.00 | 148.00 | 126.00 | 143.00 | 117.00 | 122.00 | 110.00 |
| EPS in Rs | 21.60 | 22.91 | 21.48 | 20.71 | 17.59 | 19.42 | 18.50 | 18.69 | 15.93 | 18.02 | 14.74 | 15.38 | 13.87 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 706.00 | 582.00 | 535.00 | 441.00 | 349.00 | 273.00 | 225.00 | 188.00 | 161.00 | 72.00 | 43.00 | 21.00 |
| Other Income | 1.00 | 4.00 | 3.00 | 2.00 | 1.00 | 2.00 | 1.00 | 1.00 | 1.00 | 0.00 | 0.00 | 0.00 |
| Interest | 1,095.00 | 1,007.00 | 828.00 | 591.00 | 478.00 | 458.00 | 356.00 | 255.00 | 193.00 | 143.00 | 97.00 | 53.00 |
| Depreciation | 43.00 | 36.00 | 33.00 | 29.00 | 24.00 | 21.00 | 20.00 | 10.00 | 6.00 | 3.00 | 1.00 | 1.00 |
| Profit before tax | 840.00 | 733.00 | 624.00 | 549.00 | 455.00 | 353.00 | 302.00 | 258.00 | 134.00 | 88.00 | 50.00 | 29.00 |
| Tax % | 22.00 | 22.00 | 21.00 | 22.00 | 22.00 | 18.00 | 18.00 | 32.00 | 31.00 | 35.00 | 34.00 | 34.00 |
| Net Profit | 655.00 | 574.00 | 491.00 | 430.00 | 357.00 | 290.00 | 249.00 | 176.00 | 93.00 | 57.00 | 33.00 | 19.00 |
| EPS in Rs | 82.60 | 72.53 | 62.00 | 54.40 | 45.20 | 36.88 | 31.81 | 22.52 | 13.46 | 9.82 | 8.54 | 5.80 |
| Dividend Payout % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 79.00 | 79.00 | 79.00 | 79.00 | 79.00 | 78.00 | 78.00 | 78.00 | 69.00 | 58.00 | 38.00 | 33.00 |
| Reserves | 4,972.00 | 4,282.00 | 3,694.00 | 3,191.00 | 2,730.00 | 2,323.00 | 2,020.00 | 1,759.00 | 1,121.00 | 508.00 | 165.00 | 69.00 |
| Other Liabilities | 476.00 | 339.00 | 334.00 | 254.00 | 200.00 | 181.00 | 177.00 | 137.00 | 95.00 | 91.00 | 60.00 | 47.00 |
| Total Liabilities | 21,212.00 | 18,618.00 | 16,519.00 | 13,411.00 | 11,020.00 | 8,960.00 | 7,657.00 | 5,627.00 | 4,040.00 | 2,451.00 | 1,711.00 | 852.00 |
| Fixed Assets | 169.00 | 134.00 | 116.00 | 78.00 | 66.00 | 58.00 | 60.00 | 23.00 | 18.00 | 10.00 | 6.00 | 5.00 |
| CWIP | 9.00 | 10.00 | 11.00 | 20.00 | 2.00 | 0.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 271.00 | 230.00 | 182.00 | 123.00 | 68.00 | 4.00 | 4.00 | 4.00 | 4.00 | 1.00 | 0.00 | 0.00 |
| Other Assets | 20,764.00 | 18,244.00 | 16,210.00 | 13,189.00 | 10,885.00 | 8,897.00 | 7,592.00 | 5,599.00 | 4,017.00 | 2,440.00 | 1,705.00 | 847.00 |
| Total Assets | 21,212.00 | 18,618.00 | 16,519.00 | 13,411.00 | 11,020.00 | 8,960.00 | 7,657.00 | 5,627.00 | 4,040.00 | 2,451.00 | 1,711.00 | 852.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -1,386.00 | -1,660.00 | -2,001.00 | -1,920.00 | -1,136.00 | -1,071.00 | -1,172.00 | -1,276.00 | -933.00 | -591.00 | -591.00 |
| Cash from Investing Activity | -117.00 | 176.00 | -646.00 | 196.00 | -467.00 | -265.00 | -342.00 | -327.00 | -218.00 | -15.00 | -1.00 |
| Cash from Financing Activity | 1,720.00 | 1,475.00 | 2,491.00 | 1,858.00 | 1,623.00 | 1,008.00 | 1,705.00 | 1,404.00 | 1,240.00 | 640.00 | 816.00 |
| Net Cash Flow | 217.00 | -9.00 | -156.00 | 134.00 | 20.00 | -328.00 | 191.00 | -199.00 | 90.00 | 34.00 | 224.00 |
| Free Cash Flow | -1,418.00 | -1,688.00 | -2,032.00 | -1,958.00 | -1,151.00 | -1,079.00 | -1,192.00 | -1,290.00 | -947.00 | -598.00 | -592.00 |
| CFO/OP % | -62.00 | -86.00 | -126.00 | -157.00 | -111.00 | -122.00 | -164.00 | -232.00 | -268.00 | -243.00 | -390.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
No corporate actions recorded.
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update1 Jul from care
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Rating update30 Jun from icra
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Rating update2 Apr from care
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Rating update13 Mar from icra
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Rating update25 Feb from fitch
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Rating update2 Jan from care
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