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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
Assets under management (AUM) reached ₹222.04 bn as of Dec 2025, with disbursements of ₹44.3 bn for 9MFY26, reflecting robust business growth and a 15.4% YoY increase in AUM.
Net profit after tax (PAT) for 9MFY26 was ₹4,739 mn, up 13% YoY, with a strong retail loan focus (99.5%) and a wide distribution network of 404 branches across 15 states/UTs.
Board approved unaudited financial results for the quarter and nine months ended December 31, 2025, and noted the limited review report from joint statutory auditors.
Prime Lending Rate (PLR) to decrease by 15 basis points effective March 1, 2026.
The organization continues to invest in technology transformation, digital processes, and analytics, resulting in improved operational efficiency and customer experience.
Financial highlights
Net Interest Income (NII) for Q3FY26 grew 17% YoY to ₹3,436 mn, and Net Total Income (NIM) rose 18% YoY to ₹3,978 mn.
PAT for Q3FY26 increased 16% YoY to ₹1,703 mn, with ROA at 3.43% and ROE at 14.29%.
For the nine months ended December 31, 2025, total income was ₹1,97,000.25 lakh and net profit was ₹47,321.35 lakh.
Cost to income ratio improved to 42.9% in Q3FY26, and opex to asset ratio was 3.44%.
Gross NPA and Net NPA remained low at 1.19% and 0.79% respectively as of Dec 2025.
Outlook and guidance
Management emphasizes continued focus on affordable housing finance, digital transformation, and expanding branch network, targeting industry-leading growth and operational excellence.
Strong liquidity position and diversified funding base support future growth plans.
No material deviation in the use of proceeds from Non-Convertible Debentures; all funds used as per stated objectives.
Board and audit committee reviewed and confirmed compliance with regulatory requirements.
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Latest summaries
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Strong Q4 and 2025 results with positive 2026 outlook and strategic segment realignment. - OWL
AUM reached $307.4 billion in 2025 amid record fundraising and double-digit earnings growth. - EMBC
Revenue was stable, net income rose, and leverage improved, with guidance reaffirmed. - VCTR
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Adjusted EPS up 8% to $5.27; 2026 guidance and dividend growth reaffirmed. - VCTRQ1 saw higher revenue, Amundi deal closed, and dividend raised to $0.49 per share.
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Next Aavas Financiers earnings date
Q4 25/2624 Apr, 2026
Aavas Financiers
Next Aavas Financiers earnings date
Q4 25/2624 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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