AAVAS Financiers Ltd (AAVAS) — shareholding pattern, promoter holding, financials and share price
About AAVAS Financiers Ltd (AAVAS)
AAVAS Financiers Ltd operates in the Housing Finance Company industry, within the Financial Services sector. It trades on the NSE as AAVAS and on the BSE under scrip code 541988. Its ISIN is INE216P01012.
Incorporated in 2011, Aavas Financiers Ltd provides housing loans & advances [1]
Aavas Financiers Ltd. is a NHB-registered housing finance company focused on affordable housing and MSME loans, operating a branch-led model across 15 states with 404 branches, predominantly in Tier-3+ towns and an average ticket size around ₹1.0 million, serving mainly self-employed retail borrowers with emphasis on EWS/LIG segments.
Financially, Aavas reported AUM of ₹222.04 billion (+15% YoY), 9MFY26 disbursements of ₹44.3 billion, PAT of ₹4,739 million (9M) and robust profitability metrics with NIM at 7.82% and ROE ~14.29%, supported by a strong capital base (net worth ~₹48.6 billion) and CRAR of 46.4%.
Listed peers in Housing Finance Company: Sammaan Capital Ltd, Aptus Value Housing Finance India Ltd, Home First Finance Company India Ltd, Can Fin Homes Ltd, India Shelter Finance Corporation Ltd, Repco Home Finance Ltd.
Valuation & Returns
10 Jul 2026At ₹1,522.3 a share on 10 Jul 2026, AAVAS Financiers Ltd (AAVAS) was valued at a price-to-earnings ratio of 24.6x against an industry P/E of 19.5x and a price-to-book of 3.2x on a book value of ₹475.9 per share as of Mar 2024. Solomo computes return on equity of 13% and return on capital employed of 8.96% from filed results. Earnings ratios use consolidated results for the twelve months Jun 2023 to Mar 2024.
- P/E
- 24.6x
- Industry P/E
- 19.5x
- P/B
- 3.2x
- EPS (TTM)
- ₹61.89
- Book value / share
- ₹475.9
- ROE
- 13%
- ROCE
- 8.96%
- ROA
- 2.97%
- Debt / equity
- 3.27x
- Dividend yield
- 0%
- EBITDA margin
- 73.66%
- 52-week range
- ₹1,050.25 – ₹2,040
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2024In the year ended Mar 2024, AAVAS Financiers Ltd (AAVAS) reported revenue of ₹2,018 crore, net profit of ₹491 crore and earnings per share of ₹62. That compares with revenue of ₹1,609 crore and net profit of ₹430 crore in Mar 2023. Figures are consolidated, as filed with the exchanges.
In the quarter ended Mar 2024, revenue was ₹546 crore and net profit ₹142 crore (consolidated).
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 903 | 1,103 | 1,304 | 1,609 | 2,018 |
| Net profit (₹ cr) | 249 | 289 | 355 | 430 | 491 |
| EPS (₹) | 31.8 | 36.8 | 45 | 54.35 | 62 |
| Measure | 10Y | 5Y | 3Y | 1Y |
|---|---|---|---|---|
| Sales growth | 31.74% | 21.15% | 21.76% | 25.43% |
| Profit growth | 37.79% | 18.17% | 17.18% | 14.21% |
| Stock price CAGR | - | -12% | -1% | -21% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 48.88% of AAVAS Financiers Ltd (AAVAS) (unchanged from the previous quarter), foreign institutional investors (FII) hold 16.27% and domestic institutional investors (DII) hold 22.15%. Market capitalisation was ₹12,070 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Dec 2018.
Largest disclosed public shareholders in Jun 2026: Icici Prudential Banking And Financial Services Fund 3.8%, Hdfc Trustee Company Ltd. A/C Hdfc Balanced Advantage Fund 3.47%, Axis Max Life Insurance Limited A/C Reversionary Bonus Participating - Equity 3.15%, Sundaram Mutual Fund A/C Sundaram Services Fund 2.52%, Uti-Flexi Cap Fund 2.46%, Government Pension Fund Global 2.29%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 48.88% | - | 16.27% | 22.15% | 51.12% |
| Mar 2026 | 48.88% | - | 16.74% | 22.14% | 51.12% |
| Dec 2025 | 48.95% | - | 24.72% | 14.29% | 51.05% |
| Sep 2025 | 48.96% | - | 25.88% | 14.14% | 51.04% |
| Jun 2025 | 48.96% | - | 29.77% | 11.51% | 51.04% |
| Mar 2025 | 26.47% | - | 29.67% | 10.75% | 73.53% |
| Dec 2024 | 26.47% | - | 33.97% | 25.69% | 73.53% |
| Sep 2024 | 26.47% | - | 35.5% | 25.56% | 73.53% |