AAVAS FINANCIERS LIMITED (AAVAS) financials

AAVAS FINANCIERS LIMITED (AAVAS) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

Incorporated in 2011, Aavas Financiers Ltd provides housing loans & advances[1]

Market Cap: ₹9,477Cr.
Current Price: ₹1,195
Stock P/E: 13.8
ROE: 13.9%
ROCE: 9.92%
Book Value: ₹637
Dividend Yield: 0.00%
52W High / Low: ₹1,775/1,050

In Jun 2026, AAVAS FINANCIERS LIMITED (AAVAS) reported sales ₹709 Cr and net profit ₹171 Cr.

Annual TTM: sales ₹2,765 Cr, net profit ₹687 Cr.

Shareholding: Promoters 48.88% (Sep 2026), FIIs 15.20% (Sep 2026), DIIs 22.40% (Sep 2026), Public 13.53% (Sep 2026), No. of Shareholders 1,08,686% (Sep 2026).

AAVAS quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	579	597	636	628	667	674	715	709
Interest	249	259	265	271	276	274	273	293
Expenses	133	142	170	168	170	170	199	185
Financing Profit	198	196	202	188	222	230	243	231
Financing Margin %	34%	33%	32%	30%	33%	34%	34%	33%
Other Income	1	1	1	0	0	0	0	0
Depreciation	9	9	10	9	11	11	12	11
Profit before tax	190	188	193	179	211	219	231	220
Tax %	22%	22%	20%	22%	22%	22%	21%	22%
Net Profit	148	146	154	139	164	170	182	171
EPS in Rs	18.69	18.50	19.42	17.59	20.71	21.48	22.91	21.60
Gross NPA %	1.08%	1.14%	1.08%	1.22%	1.24%	1.19%	1.05%	1.11%
Net NPA %	0.78%	0.81%	0.73%	0.84%	0.85%	0.79%	0.68%	0.71%
Raw PDF	—	—	—	—	—	—	—	—

AAVAS profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	902	1,103	1,304	1,608	2,018	2,355	2,683	2,765
Interest	356	458	478	591	828	1,007	1,095	1,116
Expenses	225	273	349	441	535	582	706	724
Financing Profit	321	372	477	576	654	765	882	925
Financing Margin %	36%	34%	37%	36%	32%	32%	33%	33%
Other Income	1	2	1	2	3	4	1	1
Depreciation	20	21	24	29	33	36	43	45
Profit before tax	302	353	455	549	624	733	840	881
Tax %	18%	18%	22%	22%	21%	22%	22%	—
Net Profit	249	290	357	430	491	574	655	687
EPS in Rs	31.81	36.88	45.20	54.40	62.00	72.53	82.60	86.70
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	—

AAVAS balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	78	78	78	79	79	79	79	79
Reserves	1,759	2,020	2,323	2,730	3,191	3,694	4,282	4,972
Borrowing	3,653	5,382	6,378	8,012	9,887	12,412	13,918	15,686
Other Liabilities	137	177	181	200	254	334	339	476
Total Liabilities	5,627	7,657	8,960	11,020	13,411	16,519	18,618	21,212
Fixed Assets	23	60	58	66	78	116	134	169
CWIP	0	1	0	2	20	11	10	9
Investments	4	4	4	68	123	182	230	271
Other Assets	5,599	7,592	8,897	10,885	13,189	16,210	18,244	20,764
Total Assets	5,627	7,657	8,960	11,020	13,411	16,519	18,618	21,212

AAVAS cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-1,276	-1,172	-1,071	-1,136	-1,920	-2,001	-1,660	-1,386
Cash from Investing Activity	-327	-342	-265	-467	196	-646	176	-117
Cash from Financing Activity	1,404	1,705	1,008	1,623	1,858	2,491	1,475	1,720
Net Cash Flow	-199	191	-328	20	134	-156	-9	217
Free Cash Flow	-1,290	-1,192	-1,079	-1,151	-1,958	-2,032	-1,688	-1,418

AAVAS shareholding pattern (%)
Category	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters	26.47%	26.47%	48.96%	48.96%	48.95%	48.88%	48.88%	48.88%
FIIs	33.97%	29.67%	29.77%	25.88%	24.72%	16.74%	16.28%	15.20%
DIIs	25.69%	10.75%	11.52%	14.13%	14.30%	22.14%	22.15%	22.40%
Public	13.87%	33.11%	9.75%	11.02%	12.04%	12.24%	12.69%	13.53%
No. of Shareholders	1,47,894	1,32,792	1,21,862	1,22,052	1,20,695	1,17,980	1,13,498	1,08,686

AAVAS key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	12%	13%	13%	14%	14%	14%	14%	14%

AAVASUpdated 17 Oct 2026, 5:00

Aavas Financiers Limited

AAVASUpdated 17 Oct 2026, 5:00

Market Cap

₹9,477Cr.

Current Price

₹1,195

High / Low

₹1,775/1,050

Stock P/E

13.8

ROE13.9%

ROCE9.92%

Book Value₹637

Face Value₹10.0

Dividend Yield0.00%

About

Incorporated in 2011, Aavas Financiers Ltd provides housing loans & advances[1]

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	467	187	132	148	32	0	7	141	22	110	13.87	1	0.73
Sep 2023	497	204	130	163	33	1	8	157	22	122	15.38	1.04	0.76
Dec 2023	508	217	134	157	31	1	9	150	22	117	14.74	1.09	0.79
Mar 2024	546	222	139	186	34	1	9	177	20	143	18.02	0.94	0.67
Jun 2024	542	235	138	169	31	0	9	161	22	126	15.93	1.01	0.72
Sep 2024	579	249	133	198	34	1	9	190	22	148	18.69	1.08	0.78
Dec 2024	597	259	142	196	33	1	9	188	22	146	18.5	1.14	0.81
Mar 2025	636	265	170	202	32	1	10	193	20	154	19.42	1.08	0.73
Jun 2025	628	271	168	188	30	0	9	179	22	139	17.59	1.22	0.84
Sep 2025	667	276	170	222	33	0	11	211	22	164	20.71	1.24	0.85
Dec 2025	674	274	170	230	34	0	11	219	22	170	21.48	1.19	0.79
Mar 2026	715	273	199	243	34	0	12	231	21	182	22.91	1.05	0.68
Jun 2026	709	293	185	231	33	0	11	220	22	171	21.6	1.11	0.71

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2015	104	53	21	30	29	0	1	29	34	19	5.09
Mar 2016	191	97	43	51	27	0	1	50	34	33	7.5
Mar 2017	305	143	72	90	29	0	3	88	35	57	9.82
Mar 2018	494	193	161	139	28	1	6	134	31	93	13.46
Mar 2019	710	255	188	266	38	1	10	258	32	176	22.52
Mar 2020	902	356	225	321	36	1	20	302	18	249	31.81
Mar 2021	1103	458	273	372	34	2	21	353	18	290	36.88
Mar 2022	1304	478	349	477	37	1	24	455	22	357	45.2
Mar 2023	1608	591	441	576	36	2	29	549	22	430	54.4
Mar 2024	2018	828	535	654	32	3	33	624	21	491	62
Mar 2025	2355	1007	582	765	32	4	36	733	22	574	72.53
Mar 2026	2683	1095	706	882	33	1	43	840	22	655	82.6
TTM	2765	1116	724	925	33	1	45	881	—	687	86.7

Shareholding pattern

As of Sep 2026%

Holder	Share
Promoters	48.88%
FIIs	15.2%
DIIs	22.4%
Public	13.53%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Public
Dec 2023	39.1%	32.32%	15.29%	13.29%
Mar 2024	26.47%	34.8%	23.99%	14.76%
Jun 2024	26.47%	35.88%	24.39%	13.26%
Sep 2024	26.47%	35.5%	25.55%	12.49%
Dec 2024	26.47%	33.97%	25.69%	13.87%
Mar 2025	26.47%	29.67%	10.75%	33.11%
Jun 2025	48.96%	29.77%	11.52%	9.75%
Sep 2025	48.96%	25.88%	14.13%	11.02%
Dec 2025	48.95%	24.72%	14.3%	12.04%
Mar 2026	48.88%	16.74%	22.14%	12.24%
Jun 2026	48.88%	16.28%	22.15%	12.69%
Sep 2026	48.88%	15.2%	22.4%	13.53%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2015	33	69	47	852	5	0	0	847	852
Mar 2016	38	165	60	1711	6	0	0	1705	1711
Mar 2017	58	508	91	2451	10	0	1	2440	2451
Mar 2018	69	1121	95	4040	18	0	4	4017	4040
Mar 2019	78	1759	137	5627	23	0	4	5599	5627
Mar 2020	78	2020	177	7657	60	1	4	7592	7657
Mar 2021	78	2323	181	8960	58	0	4	8897	8960
Mar 2022	79	2730	200	11020	66	2	68	10885	11020
Mar 2023	79	3191	254	13411	78	20	123	13189	13411
Mar 2024	79	3694	334	16519	116	11	182	16210	16519
Mar 2025	79	4282	339	18618	134	10	230	18244	18618
Mar 2026	79	4972	476	21212	169	9	271	20764	21212

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2015	—	—	—	—
Mar 2016	-591	-1	816	224
Mar 2017	-591	-15	640	34
Mar 2018	-933	-218	1240	90
Mar 2019	-1276	-327	1404	-199
Mar 2020	-1172	-342	1705	191
Mar 2021	-1071	-265	1008	-328
Mar 2022	-1136	-467	1623	20
Mar 2023	-1920	196	1858	134
Mar 2024	-2001	-646	2491	-156
Mar 2025	-1660	176	1475	-9
Mar 2026	-1386	-117	1720	217

Key ratios

Historical financial ratios

Category	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	24%	21%	15%	11%	12%	13%	13%	14%	14%	14%	14%	14%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of AAVAS FINANCIERS LIMITED (AAVAS)?

The reported market capitalisation for AAVAS FINANCIERS LIMITED (AAVAS) is ₹9,477Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of AAVAS?

The current price shown for AAVAS FINANCIERS LIMITED (AAVAS) on Fincrux is ₹1,195 with a 52-week high/low of ₹1,775/1,050.

What is the P/E ratio of AAVAS FINANCIERS LIMITED (AAVAS)?

The stock P/E for AAVAS FINANCIERS LIMITED (AAVAS) is 13.8 on Fincrux, with ROE at 13.9% and ROCE at 9.92%.

What were AAVAS latest quarterly results?

For Jun 2026, AAVAS FINANCIERS LIMITED (AAVAS) reported sales ₹709 Cr and net profit ₹171 Cr (figures in ₹ crore unless noted).

What are AAVAS annual sales and net profit?

For TTM, AAVAS FINANCIERS LIMITED (AAVAS) shows sales of ₹2,765 Cr and net profit of ₹687 Cr on the Fincrux profit & loss statement.

Who owns AAVAS FINANCIERS LIMITED (AAVAS)?

Latest shareholding for AAVAS FINANCIERS LIMITED (AAVAS) on Fincrux: Promoters 48.88% (Sep 2026), FIIs 15.20% (Sep 2026), DIIs 22.40% (Sep 2026), Public 13.53% (Sep 2026), No. of Shareholders 1,08,686% (Sep 2026).

Where can I find AAVAS FINANCIERS LIMITED (AAVAS) financials?

AAVAS FINANCIERS LIMITED (AAVAS) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show AAVAS balance sheet and cash flow?

Yes. The AAVAS FINANCIERS LIMITED (AAVAS) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 17 October 2026 at 5:00