Aavas Financiers share price
NSE: AAVASBSE: 541988FinanceSmall Cap
Aavas Financiers Limited · Face value ₹10 Face value. The nominal value of one share as the company issued it, the unit its share capital is counted in and a dividend can be stated as a percentage of; it has no link to the share price. Face value in the glossary · Listed Oct 2018 · Issue price ₹821
Last close ₹1,111.60down ₹4.50 (0.40%)BSE ₹1,113.30
Share price at the NSE close on 29 Oct 2026. Previous close ₹1,116.10.
29 Oct: open ₹1,118.90, high ₹1,132.30, low ₹1,101.00
52-week range of traded prices to 29 Oct 2026
₹1,060.40Low, 23 Mar 2026₹1,771.90High, 13 Nov 2025
- 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. Market capitalisation: how it is worked out
- ₹8,814 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. Price to earnings, trailing: how it is worked out
- 12.51
- 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. Price to book: how it is worked out
- 1.63
- 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.
- 14.0%
- 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. Net interest margin in the glossary
- 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. Cost of funds in the glossary
- 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. Credit cost in the glossary
- 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. Return on assets in the glossary
- 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. Assets per rupee of net worth in the glossary
- 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. Volume in the glossary
- 67,83143.5% delivered
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.
Written from the annual report for the year to Mar 2026, filed 24 Aug 2026 and the investor presentation.
Sources for 25 statements, each with its page
- Aavas is a housing finance company focused on affordable housing loans to low and middle-income customers. Annual report, page 82
- Its customers are in semi-urban and rural areas of India. Annual report, page 82
- It is a housing finance company in India. Annual report, page 82
- Loans help customers purchase a new home. Annual report, page 8
- Loans help customers construct a house. Annual report, page 8
- Loans help customers improve and extend a home. Annual report, page 8
- It offers MSME loans. Annual report, page 8
- Its focus is self-employed, new-to-credit and new-to-mortgage customers. Annual report, page 82
- It had 435 branches in 13 states and 2 union territories as of 31 March 2026. Annual report, page 9
- The states include Rajasthan, Maharashtra and Gujarat. Annual report, page 9
- It added a net 38 branches during the year. Annual report, page 9
- It has served over 4,05,000 families cumulatively. Annual report, page 82
- It has cumulatively funded over 700 green homes. Investor presentation, page 5
- It was incorporated in 2011 (year in the CIN). Investor presentation, page 35
- It began as a subsidiary of AU Financiers India Limited, now AU Small Finance Bank. Annual report, page 7
- The company went public in 2018. Annual report, page 7
- It became a professionally managed standalone institution backed by Kedaara Capital. Annual report, page 7
- It was also backed by Partners Group. Annual report, page 7
- CVC Capital Partners became its promoter in 2025. Annual report, page 7
- Other states include Madhya Pradesh, Haryana, Uttar Pradesh. Annual report, page 9
- Also Chhattisgarh, Delhi, Punjab. Annual report, page 9
- Also Uttarakhand, Himachal Pradesh. Annual report, page 9
- Also Karnataka, Odisha, Tamil Nadu and Chandigarh. Annual report, page 9
- Stated mission is to empower and upgrade lives of low and middle-income customers. Annual report, page 8
- Mission audience is low and middle-income customers. Annual report, page 8
Results
Standalone, as consolidated accounts are on record for only 6 of the last ten years; ₹ crore. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.Aavas Financiers quarterly results
- Income from operations growth, 12 monthsIncome from operations growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +12.1%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +16.8%
Quarter to Sep 2026, against the quarter before
- 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.
- ₹736 Crup 3.89%
- 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. Net profit in the glossary
- ₹182 Crup 5.99%
Income from operations by quarter
Peak income from operations ₹736 Cr, quarter to Sep 2026; lowest ₹597 Cr, quarter to Dec 2024
Net profit by quarter, a loss in red
| ₹ crore | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 597 | 636 | 628 | 667 | 674 | 715 | 709 | 736 |
| Net profit | 146 | 154 | 139 | 164 | 170 | 182 | 171 | 182 |
Standalone. The last eight quarters. The latest is shaded.
Year to Mar 2026, against the year before
- Income from operationsIncome from operations. The pill is the change in income from operations against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹2,683 Crup 13.97%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹655 Crup 14.07%
Income from operations by year
Peak income from operations ₹2,683 Cr, year to Mar 2026; lowest ₹710 Cr, year to Mar 2019
Net profit by year, a loss in red
| ₹ crore | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 710 | 902 | 1,103 | 1,304 | 1,608 | 2,017 | 2,355 | 2,683 |
| Net profit | 176 | 249 | 289 | 357 | 430 | 491 | 574 | 655 |
Standalone. Years to March. The latest is shaded.
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. Dividend yield is not shown: no dividend in the years on record.Aavas Financiers PE ratio and valuation
Price to earnings
At or below today's level on 0.1% of 1,801 trading days since Jul 2019.
LowestHighest
Its median32.31Industry median12.32
Price to book
At or below today's level on 0.1% of 1,801 trading days since Jul 2019.
LowestHighest
Its median4.27Industry median1.23
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% |
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add.
Mutual fund holdings
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.All 81 funds holding Aavas Financiers
- 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. Sold out in the glossary
- 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 |
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.
Promoter and insider buying and selling
Trades made since 30 Oct 2025.Aavas Financiers insider trading
Bought on the marketBought on the market. The value each filer stated for its purchases on the exchange, added up; gifts, transfers and pledges are not counted. A purchase filed with no value is counted under the sum, not in it. Sold on the marketSold on the market. The value each filer stated for its sales on the exchange, added up; gifts, transfers and pledges are not counted. A sale filed with no value is counted under the sum, not in it.
- Employees0 purchases, 1 saleNo purchase₹0.43 CrNetNet. The value bought on the market less the value sold, over the trades whose filers stated a value.−₹0.43 Cr1 off-market move
- Others: no market trade · 5 pledge filings of unclear kind
Bought and sold count trades on the market only. A pledge is shares given to a lender as security for a loan; a lender invokes it by selling them.
Aavas Financiers competitors and peers
Housing Finance Company, 19 listed companies, priced on 29 Oct 2026. The table lists the 8 companies closest to Aavas Financiers in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
 Sammaan CapitalSAMMAANCAP | 14,106 | – | 0.74 | −17.1% | – | −35.5% | −9.89% | −0.06% | 0.00% |
 Home First Finance Company IndiaHOMEFIRST | 11,114 | 17.93 | 2.38 | +19.2% | +36.9% | 14.3% | 3.95% | 6.99% | 0.49% |
 Aptus Value Housing Finance IndiaAPTUS | 10,033 | 10.19 | 1.98 | +22.9% | +23.3% | 21.0% | 7.76% | 11.34% | 2.25% |
 Can Fin HomesCANFINHOME | 9,748 | 8.46 | 1.52 | +7.9% | +25.1% | 19.4% | 2.54% | 3.84% | 2.05% |
 India Shelter Finance CorporationINDIASHLTR | 6,854 | 12.96 | 2.14 | +25.7% | +28.1% | 17.9% | 5.82% | 9.73% | 1.59% |
 Repco Home FinanceREPCOHOME | 1,961 | 4.07 | 0.49 | +5.9% | +3.8% | 12.9% | 3.05% | 5.05% | 1.60% |
 GIC Housing FinanceGICHSGFIN | 659 | 4.19 | 0.31 | +1.2% | +22.2% | 7.7% | 1.40% | 3.50% | 3.68% |
 SRG Housing FinanceSRGHFL | 156 | 4.55 | 0.52 | +31.3% | +35.0% | 12.2% | 3.18% | 10.43% | 0.00% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Latest announcements
Routine notices left out.Aavas Financiers announcements
Oct 2026
26 Oct
26 Oct · Management
26 Oct · Management
26 Oct · Results
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 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before. 2018 is from its first session, 8 Oct 2018.
Recent sessions
The 9 trading days to 28 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 28 Oct 2026 | 1,139.00 | 1,139.80 | 1,112.80 | 1,116.10 | 1,120.31 | 54,921 | 64.1% |
| 27 Oct 2026 | 1,138.10 | 1,162.80 | 1,126.10 | 1,137.50 | 1,137.75 | 1,76,821 | 36.5% |
| 26 Oct 2026 | 1,107.50 | 1,139.90 | 1,096.00 | 1,126.10 | 1,120.06 | 50,493 | 47.9% |
| 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% |
Prices in ₹ per share as traded, not adjusted.
Company details
- NSE symbol
- AAVAS
- BSE code
- 541988
- ISIN
- INE216P01012
- Industry
- Finance
- Website
- www.aavas.in
- CIN
- L65922RJ2011PLC034297
- Corporate identity number, the registrar of companies' code for it
- Incorporated
- 2011
- Registered office
- 201-202, South End Square, 2nd Floor, Mansarover Industrial Area, Jaipur 302020, Rajasthan
- Share registrar
- MUFG Intime India Pvt. Ltd
- Keeps the register of shareholders and handles transfers and dividend payments
In Nifty 500, BSE 500, Nifty Smallcap 250, BSE 250 SmallCap Index, BSE SmallCap, Nifty Total Market