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Aavas Financiers Limited (AAVAS) investor relations material
Aavas Financiers Limited Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary11 Nov, 2025
Executive summary
CARE Ratings revised long-term outlook from stable to positive, signaling potential for AA+ upgrade and improved funding costs.
AUM reached ₹213.6 bn as of H1FY26, with 99.5% retail loans and 27.1 bn in disbursements; operations normalized post new disbursement recognition, with strong 36% Q-o-Q and 21% Y-o-Y disbursement growth in Q2.
Net profit after tax for H1FY26 was ₹3,036 mn, with ROA of 3.19% and ROE of 13.43%.
The company operates 405 branches across 14 states/UTs, serving over 375,000 families, with 80%+ branches in Tier 3+ towns and recent expansion in Tamil Nadu.
Asset quality remains robust, with vigilant monitoring of specific geographies and customer segments; GNPA ratio is 1.24%.
Financial highlights
AUM grew 16% Y-o-Y to ₹213.6 bn in Q2FY26; full-year AUM growth expected at 18%.
Q2 FY26 net profit up 11% Y-o-Y to ₹1,644 mn; NII up 18% Y-o-Y; NIM at 8.04%.
Disbursements in Q2 FY26 were ₹15,599 mn, up 36% sequentially and 21% Y-o-Y.
5-year CAGR for AUM and PAT stands at 21% and 18%, respectively.
Total income for Q2 FY26 was ₹66,745.13 lakh, up from ₹58,045.46 lakh in Q2 FY25.
Outlook and guidance
Anticipates sustaining current growth momentum into H2, a traditionally strong period, with a focus on contiguous branch expansion and digital transformation.
Full-year AUM growth guidance at 18%; long-term aspiration to reach ₹550 bn AUM by FY2030, implying 20%+ annual growth.
OPEX to asset ratio targeted below 3% over the medium term as scale and productivity improve.
Continued investment in technology and analytics to enhance operational efficiency and customer experience.
The company continues to focus on housing finance within India, with no separate reportable segments.
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Next Aavas Financiers Limited earnings date
Q3 25/2629 Jan, 2026
Next Aavas Financiers Limited earnings date
Q3 25/2629 Jan, 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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