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Aavas Financiers
Aavas Financiers (AAVAS) investor relations material
Aavas Financiers Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary5 Feb, 2026
Executive summary
Achieved a balance sheet size exceeding INR 20,000 crore, with AUM reaching ₹222.04 bn as of Dec 2025, reflecting a 15.4% YoY increase and robust business growth.
Net profit after tax for Q3FY26 was ₹1,703 mn, up 16% YoY, and for 9MFY26 was ₹4,739 mn, up 13% YoY, with a strong retail loan focus and a wide distribution network.
Raised INR 975 crore via the largest NCD placement in company history, supporting affordable housing and MSME lending.
Continued investment in technology transformation, digital processes, and analytics, resulting in improved operational efficiency and customer experience.
Macro environment, including government reforms and stable funding, remains supportive for housing finance.
Financial highlights
AUM grew 15.4% YoY to ₹222.04 bn as of Dec 2025; Q3FY26 net profit rose 16% YoY to ₹1,703 mn, with NII up 17% YoY.
Net worth increased 16% YoY to ₹48.6 bn; cost-to-income ratio improved to 42.9% and opex-to-asset ratio to 3.44%.
NIM expanded to 8.01% in Q3FY26; spread improved to 5.34% YoY.
Gross NPA and Net NPA remained low at 1.19% and 0.79% as of Dec 2025.
ROA at 3.43% and ROE at 14.29% for Q3FY26.
Outlook and guidance
Targeting 25% disbursement growth and 17-18% loan book growth for FY27, with plans to add 50 branches and focus on Tier 2/3 cities and new states.
Confident in maintaining spreads above 5%, with guidance of 5.20%-5.25% in coming quarters.
Management emphasizes continued focus on affordable housing finance, digital transformation, and operational excellence.
Strong liquidity position and diversified funding base support future growth plans.
Board and audit committee reviewed and confirmed compliance with regulatory requirements.
Reason for 15 bps PLR decrease effective March 1
Impact of New Labour Codes on gratuity liability
Scale of loan assignments and co-lending activity
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Next Aavas Financiers earnings date
Q4 25/2623 Apr, 2026
Aavas Financiers
Next Aavas Financiers earnings date
Q4 25/2623 Apr, 2026
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Frequently asked questions
Aavas Financiers Limited is a non-banking financial company (NBFC) specializing in housing finance. The company provides home loans, loan against property, and affordable housing finance solutions, primarily targeting low- and middle-income customers in semi-urban and rural areas. Aavas Financiers focuses on customized loan offerings, digital lending platforms, and financial inclusion. The company is headquartered in Jaipur, India, and its shares are listed on the BSE.
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