Aavas Financiers quarterly results and financials

Aavas Financiers (AAVAS)₹1,137−0.59%(9 Nov 2026 close)Housing Finance Company

Key facts

In the Jun 2026 quarter (standalone), Aavas Financiers reported revenue of ₹712 Cr, up 12.9% from Jun 2025, and net profit of ₹172 Cr, up 22.9% year on year. For the year to Mar 2026, revenue were ₹2,694 Cr and net profit ₹657 Cr.

Revenue (Jun 2026): ₹712 Cr
Net profit (Jun 2026): ₹172 Cr
Revenue (FY Mar 2026): ₹2,694 Cr
Net profit (FY Mar 2026): ₹657 Cr
EPS (Jun 2026): ₹21.63
Borrowings (Mar 2026): ₹15,732 Cr

Company filings, standalone accounts; latest reported quarter Jun 2026

Aavas Financiers quarterly results

₹ crore unless stated; each column is a quarter.

Aavas Financiers Quarterly results
	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	499	510	548	544	581	599	638	631	669	676	718	712
Interest	204	217	222	236	250	260	266	272	277	275	274	294
Net interest income	295	293	325	308	332	339	372	359	392	401	444	418
Expenses	130	134	139	138	133	142	170	168	170	170	199	185
Financing Profit	163	157	186	169	198	196	202	188	222	230	243	231
Financing Margin %	33.1%	31.1%	34.1%	31.1%	34.1%	33.1%	32.1%	30.1%	33.1%	34.1%	34.1%	33.1%
Other Income	1.01	1.01	1.01	0.00	1.01	1.01	1.01	0.00	0.00	0.00	0.00	0.00
Depreciation	7.98	8.98	8.98	8.98	8.98	8.98	9.97	8.97	10.98	10.98	11.96	10.97
Profit before tax	157	150	177	162	190	189	194	179	212	220	231	220
Tax %	22.0%	21.9%	20.0%	22.0%	21.9%	22.0%	19.9%	22.0%	21.9%	22.0%	20.9%	22.0%
Net Profit	122	117	143	126	149	147	155	140	165	171	183	172
EPS (Rs)	15.39	14.75	18.03	15.94	18.72	18.52	19.43	17.62	20.72	21.50	22.93	21.63
Gross NPA %	1.0%	1.1%	0.9%	1.0%	1.1%	1.1%	1.1%	1.2%	1.2%	1.2%	1.1%	—
Net NPA %	0.8%	0.8%	0.7%	0.7%	0.8%	0.8%	0.7%	0.8%	0.9%	0.8%	0.7%	—
Provision coverage (approx., excl. write-offs) %	26.9%	27.5%	28.7%	28.7%	27.8%	29.0%	32.4%	31.2%	31.5%	33.6%	35.2%	—

Aavas Financiers profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

Aavas Financiers Profit and loss
	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	192	306	496	712	906	1,107	1,308	1,614	2,024	2,362	2,694	2,775
Interest	97.17	143	193	256	357	459	479	592	830	1,009	1,097	1,118
Net interest income	94.52	163	303	457	549	648	829	1,022	1,194	1,353	1,597	1,656
Expenses	42.99	72.07	161	188	225	273	349	441	535	582	706	724
Financing Profit	50.95	89.90	139	265	320	371	476	575	652	763	880	924
Financing Margin %	27.1%	29.1%	28.1%	38.1%	36.1%	34.1%	37.1%	36.1%	32.1%	32.1%	33.1%	33.3%
Other Income	0.00	0.00	1.01	1.01	1.01	2.01	1.01	2.01	3.01	4.01	1.01	0.00
Depreciation	0.99	2.99	5.98	9.98	19.93	20.95	23.94	28.90	32.91	35.89	42.87	44.89
Profit before tax	50.15	88.21	134	259	303	354	456	551	626	735	842	883
Tax %	34.0%	35.0%	31.0%	32.0%	18.0%	18.0%	22.0%	22.0%	21.0%	21.9%	21.9%	—
Net Profit	33.10	57.18	93.39	177	250	291	358	432	493	577	657	689
EPS (Rs)	8.56	9.83	13.48	22.54	31.84	36.90	45.27	54.50	62.03	72.56	82.68	86.78
Dividend payout %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—

Aavas Financiers balance sheet

₹ crore, at each year end.

Aavas Financiers Balance sheet
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	33.12	38.14	58.12	69.18	78.31	78.28	78.23	79.23	79.29	79.20	79.26	79.24
Reserves	69.12	165	508	1,121	1,762	2,021	2,321	2,729	3,196	3,694	4,285	4,974
Borrowings	706	1,452	1,798	2,763	3,666	5,399	6,397	8,034	9,919	12,453	13,958	15,732
Other Liabilities	47.23	60.28	91.43	95.46	138	178	182	201	255	336	341	478
Total Liabilities	855	1,717	2,456	4,048	5,645	7,676	8,978	11,042	13,449	16,561	18,663	21,262
Fixed Assets	4.98	5.98	9.96	17.95	22.94	59.79	57.77	65.73	77.75	116	133	177
CWIP	0.00	0.00	0.00	0.00	0.00	1.01	0.00	2.01	20.08	11.05	10.03	0.00
Investments	0.00	0.00	1.01	4.01	4.02	4.01	4.02	68.28	124	183	231	272
Other Assets	850	1,711	2,445	4,025	5,617	7,611	8,915	10,907	13,227	16,252	18,288	20,813
Trade receivables	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.99	11.98	10.98	14.99
Cash & equivalents	10.98	234	275	564	678	1,190	1,118	1,526	1,379	1,795	1,557	1,840
Total Assets	855	1,717	2,456	4,048	5,645	7,676	8,978	11,042	13,449	16,561	18,663	21,262

Aavas Financiers cash flow

₹ crore, for each year.

Aavas Financiers Cash flow
	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−592	−592	−934	−1,278	−1,173	−1,073	−1,138	−1,922	−2,004	−1,662	−1,389
Cash from investing activity	−0.99	−14.99	−218	−327	−342	−265	−467	196	−646	176	−117
Cash from financing activity	817	641	1,242	1,404	1,707	1,009	1,624	1,860	2,493	1,477	1,722
Net cash flow	224	34.08	90.23	−199	192	−329	20.04	134	−156	−9.03	217
Capex	2.01	7.02	14.02	14.02	20.03	8.02	16.03	39.06	33.05	30.03	33.04
Free cash flow	−593	−599	−948	−1,292	−1,193	−1,080	−1,153	−1,960	−2,035	−1,689	−1,419
CFO / OP %	−389.9%	−243.0%	−268.0%	−231.9%	−164.0%	−122.0%	−110.9%	−157.0%	−125.9%	−86.0%	−62.0%

Aavas Financiers ratios

Working-capital days and returns, by year.

Aavas Financiers Ratios
	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 %	23.9%	20.9%	15.0%	10.9%	11.9%	12.9%	12.9%	13.9%	14.0%	13.9%	13.9%	14.0%

Aavas Financiers: frequently asked questions

What are the latest quarterly results of Aavas Financiers?

For the Jun 2026 quarter, Aavas Financiers reported revenue of ₹712 Cr, up 12.9% year on year and net profit of ₹172 Cr, up 22.9% year on year.

What is the annual revenue of Aavas Financiers?

Aavas Financiers' revenue for the year to Mar 2026 were ₹2,694 Cr; over the last twelve months they were ₹2,775 Cr.

What is the net profit of Aavas Financiers?

Net profit for the year to Mar 2026 was ₹657 Cr, and ₹689 Cr over the last twelve months. Earnings per share over the same trailing period were ₹86.78.

What is the free cash flow of Aavas Financiers?

Cash from operations was −₹1,389 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹1,419 Cr.

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