₹1,481.4
▼ -19.36 -1.29%
17 Jul 2026
NSE Listed
Aavas Financiers Limited (AAVAS)
Volume: 32,468Avg Vol 1W: 51,765.4Avg Vol 1M: 75,788.5552W Range:₹1,060.4₹1,960.7
Key Ratios
Checked 11h agoMarket Cap₹11,900 Cr
Current Price₹1,481.4
Previous Close₹1,500.76
High / Low (52w)₹1,960.7 / ₹1,060.4
Volume32,468
Avg Vol (1W)51,765.4
Avg Vol (1M)75,788.55
Stock P/E65.42
Book Value₹475.92
Dividend Yield0%
ROE13%
ROA297%
Revenue (TTM)₹2,358 Cr
Revenue Growth—
Profit Margin24.32%
Total Debt₹0 Cr
Shares Outstanding8 Cr
Face Value₹10
EPS (TTM)₹61.86
P/B3.16
Debt / Equity3.16
50 DMA₹1,425.01
200 DMA₹1,426.26
Day change-1.29%
Price Chart
₹1,481.4▼ 23.16% · 1Y
2025-07-172026-07-16
20-day avg volume: 76K shares
Pros
- Company is almost debt-free.
Cons
- Revenue fell 30% YoY.
- Stock trades at a high P/E of 65.
Quarterly Results
| Metric | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — | — | — |
| Net Profit | ₹89 Cr | ₹107 Cr | ₹107 Cr | ₹127 Cr | ₹110 Cr | ₹122 Cr | ₹117 Cr | ₹142 Cr |
| EPS | — | — | — | — | — | — | — | — |
Profit & Loss (Annual)
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|
| Revenue | ₹494 Cr | ₹711 Cr | ₹903 Cr | ₹1,106 Cr | ₹1,306 Cr | ₹1,611 Cr | ₹2,021 Cr |
| EBITDA | ₹134 Cr | ₹258 Cr | ₹302 Cr | ₹353 Cr | ₹453 Cr | ₹548 Cr | ₹625 Cr |
| Net Profit | ₹93 Cr | ₹176 Cr | ₹249 Cr | ₹289 Cr | ₹355 Cr | ₹430 Cr | ₹491 Cr |
| EPS | 15.23 | 23.1 | 31.48 | 36.54 | 44.81 | 54.26 | 61.93 |
Balance Sheet
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|
| Total Assets | ₹4,040 Cr | ₹5,627 Cr | ₹7,657 Cr | ₹8,959 Cr | ₹11,017 Cr | ₹13,410 Cr | ₹16,519 Cr |
| Total Liabilities | ₹2,850 Cr | ₹3,790 Cr | ₹5,559 Cr | ₹6,558 Cr | ₹8,211 Cr | ₹10,140 Cr | ₹12,746 Cr |
| Equity | ₹1,190 Cr | ₹1,837 Cr | ₹2,098 Cr | ₹2,401 Cr | ₹2,806 Cr | ₹3,270 Cr | ₹3,773 Cr |
| Total Debt | — | — | — | — | — | — | — |
Cash Flow
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|
| Operating | ₹-891 Cr | ₹-1,208 Cr | ₹-1,111 Cr | ₹-1,017 Cr | ₹-1,060 Cr | ₹-1,831 Cr | ₹-1,856 Cr |
| Investing | ₹-218 Cr | ₹-327 Cr | ₹-342 Cr | ₹-265 Cr | ₹-463 Cr | ₹196 Cr | ₹-647 Cr |
| Financing | ₹1,240 Cr | ₹1,404 Cr | ₹1,705 Cr | ₹1,008 Cr | ₹1,623 Cr | ₹1,858 Cr | ₹2,477 Cr |
| Free Cash Flow | ₹-891 Cr | ₹-1,208 Cr | ₹-1,111 Cr | ₹-1,017 Cr | ₹-1,060 Cr | ₹-1,831 Cr | ₹-1,856 Cr |
Shareholding
Promoter 48.88% Institutions 38.43% Public 12.69%
Efficiency & Working Capital
ROCE9%
Interest Coverage0
Dividend Payout—
Debtor Days2 d
Inventory Days0 d
Payable Days6 d
Cash Conversion Cycle-3 d
Working Capital Days2 d
Shareholding Details
As of 2026-06-30
Promoter48.9%
FII16.3%
DII22.2%
Institutions38.4%
Public12.7%
Promoter Pledge54.1%
No. of Shareholders1,13,498
Shareholding Pattern
Quarterly — figures in %. Latest 12 quarters.
| Period | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 39.1% | 39.1% | 26.5% | 26.5% | 26.5% | 26.5% | 26.5% | 49% | 49% | 48.9% | 48.9% | 48.9% |
| FIIs | 35.5% | 32.3% | 34.8% | 35.9% | 35.5% | 34% | 29.7% | 29.8% | 25.9% | 24.7% | 16.7% | 16.3% |
| DIIs | 14.2% | 13.9% | 24% | 24.4% | 25.6% | 25.7% | 10.8% | 11.5% | 14.1% | 14.3% | 22.1% | 22.2% |
| Public | 11.2% | 14.7% | 14.7% | 13.3% | 12.5% | 13.9% | 33.1% | 9.8% | 11% | 12% | 12.2% | 12.7% |
| Promoter Pledge | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 54.1% | 54.1% | 54.1% | 54.1% | 54.1% |
| No. of Shareholders | 1,07,718 | 1,32,644 | 1,51,680 | 1,44,395 | 1,44,452 | 1,47,894 | 1,32,792 | 1,21,862 | 1,22,052 | 1,20,695 | 1,17,980 | 1,13,498 |
Returns History (ROE / ROCE / ROA)
| Period | ROE | ROCE | ROA | P/E |
|---|---|---|---|---|
| 202503 | — | — | — | — |
Major Shareholders (>1%)
| Name | Category | Stake | Shares |
|---|---|---|---|
| Aquilo House Pte. Ltd. | Shareholding of Promoter and Promoter Group | 48.9% | 3.88 Cr |
| Icici Prudential Banking And Financial Services Fund | Public Shareholding | 3.8% | 30,10,096 |
| Hdfc Trustee Company Ltd. A/c Hdfc Balanced Advantage Fund | Public Shareholding | 3.5% | 27,53,892 |
| Axis Max Life Insurance Limited A/c Reversionary Bonus Participating - Equity | Public Shareholding | 3.2% | 24,94,723 |
| Sundaram Mutual Fund A/c Sundaram Services Fund | Public Shareholding | 2.5% | 19,98,762 |
| Uti-flexi Cap Fund | Public Shareholding | 2.5% | 19,53,692 |
| Government Pension Fund Global | Public Shareholding | 2.3% | 18,18,837 |
| Nippon Life India Trustee Ltd-a/c Nippon India Small Cap Fund | Public Shareholding | 2.2% | 17,33,691 |
| Abu Dhabi Investment Authority - Monsoon | Public Shareholding | 2.1% | 16,92,011 |
| Sbi Banking & Financial Services Fund | Public Shareholding | 2% | 15,90,539 |
| Massachusetts Institute Of Technology | Public Shareholding | 1.1% | 8,70,411 |
| Aquilo Universe Pte. Ltd. | Shareholding of Promoter and Promoter Group | 0% | 0 |
Promoter Pledges
| Holder | Pledged Shares | % of Holding | As of |
|---|---|---|---|
| Aquilo House Pte. Ltd. | 2.09 Cr | 54.1% | 2026-06-30 |
| Aquilo Universe Pte. Ltd. | 0 | 0% | 2026-06-30 |
| Sbi Banking & Financial Services Fund | 0 | 0% | 2026-06-30 |
| Nippon Life India Trustee Ltd-a/c Nippon India Small Cap Fund | 0 | 0% | 2026-06-30 |
| Uti-flexi Cap Fund | 0 | 0% | 2026-06-30 |
| Sundaram Mutual Fund A/c Sundaram Services Fund | 0 | 0% | 2026-06-30 |
| Hdfc Trustee Company Ltd. A/c Hdfc Balanced Advantage Fund | 0 | 0% | 2026-06-30 |
| Icici Prudential Banking And Financial Services Fund | 0 | 0% | 2026-06-30 |
| Axis Max Life Insurance Limited A/c Reversionary Bonus Participating - Equity | 0 | 0% | 2026-06-30 |
| Massachusetts Institute Of Technology | 0 | 0% | 2026-06-30 |
| Abu Dhabi Investment Authority - Monsoon | 0 | 0% | 2026-06-30 |
| Government Pension Fund Global | 0 | 0% | 2026-06-30 |
Board of Directors
| Name | Designation | Year |
|---|---|---|
| Sandeep Tandon | Chairperson and Independent Director | 2025 |
| Kalpana Kaushik Mazumdar | Independent Non Exe. Director | 2025 |
| Soumya Rajan | Independent Non Exe. Director | 2025 |
| Siddharth Tapaswin Patel | Non Executive Director / Nominee | 2025 |
| Nikhil Omprakash Gahrotra | Non Executive Director / Nominee | 2025 |
| Elcid Vergara | Non Executive Director / Nominee | 2025 |
| Neha Sureka | Non Executive Director / Nominee | 2025 |
| Anant Jain | Non Executive Director / Nominee | 2025 |
| Saurabh Sharma | Company Sec. & Compli. Officer | 2025 |
| Manu Yeshpal Singh | Managing Director & Chief Executive Officer | 2025 |
Segments — Product
| Segment | Revenue | Share |
|---|---|---|
| Lending to borrowers | ₹0 Cr | — |
Capital Structure (₹ Cr)
| Year | Face Value | Authorised | Issued | Paid-up |
|---|---|---|---|---|
| 2025 | ₹10 | 85 | 79 | 79 |
Related-Party Transactions (₹ Cr)
| Year | Subsidiaries | Associates | JV | KMP | Others | Total |
|---|---|---|---|---|---|---|
| 2025 | 0 | 0 | 0 | 18 | 10 | 27 |
| 2025 | 0 | 0 | 0 | 0 | 0 | 0 |
| 2025 | 0 | 0 | 0 | 2 | 0 | 2 |
Insider / Designated-Person Trades
17 recent disclosure(s)
Ghanshyam RawatDisposal · 4,000
Ghanshyam RawatDisposal · 25,000
Lake District Holdings LimitedDisposal · 1,23,46,641
Partners Group ESCL LimitedDisposal · 59,78,718
Partners Group Private Equity Master Fund LLCDisposal · 26,23,753
PARTNERS GROUP ESCL LIMITEDDisposal · 28,89,373
Substantial Acquisitions (SAST)
15 disclosure(s)
Off Market30/06/2025 · 2,09,49,112
Off Market30/06/2025 · 26,23,753
Off Market30/06/2025 · 59,78,718
Off Market30/06/2025 · 1,23,46,641
Market21/03/2025 · 1,78,08,116
Market18/03/2025 · 75,44,011
Company Information
Incorporated2011
ChairmanSandeep Tandon
AuditorMSKA & Associates/Borkar & Muzumdar
Investor Email[email protected]
📍 201-202 2nd Floor Southend, Square Mansarvor Industrial Ar, Jaipur, Rajasthan, 302020
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