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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Aavas Financiers
Aavas Financiers (AAVAS) investor relations material
Aavas Financiers Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary26 Oct, 2026
Executive summary
H1 FY27 AUM reached ₹248bn, up 16.1% YoY; management expected it to exceed ₹250bn in October 2026, with nearly 450,000 customers served.
H1 disbursements were ₹35.1bn, up 30% YoY; PAT was ₹35,278.83 lakh, up 16.4% YoY.
Q2 asset quality remained strong: GNPA 1.11%, NNPA 0.70% and 1+ DPD 3.81%.
Long-term ambition is ₹500bn AUM, supported by affordable-housing demand, deeper market penetration and stronger distribution.
Financial highlights
H1 interest income on loans was ₹12,837.0mn, up 12.9% YoY; net total income was ₹8,447.0mn, up 13.6%.
H1 PPoP rose 17.7% YoY to ₹4,819.4mn; PBT increased 16.7% to ₹4,557.0mn.
Q2 PAT was ₹18,152.02 lakh, up 10.7% YoY and 6.0% QoQ; diluted EPS was ₹22.80, non-annualized.
Q2 revenue from operations was ₹73,630.20 lakh versus ₹66,701.85 lakh YoY; H1 revenue was ₹1,44,501.97 lakh versus ₹1,29,457.96 lakh.
H1 operating expenses rose 8.7% YoY to ₹3,627.6mn; credit costs increased 36.5% to ₹262.3mn.
Outlook and guidance
FY27 AUM growth guidance was 16%-17%; management targets 20% AUM growth and reiterated disbursement growth above 20%.
Management expects long-term growth above 20%, with a volume-growth framework of ~20% CAGR from branches, productivity and average ticket size.
RO productivity target is 1.5 files/month by FY27-end, progressing toward 2; medium-term targets include OpEx/assets below 3% and cost-to-income below 40%.
Management expects spreads above 5%; higher rates on fresh disbursements are expected to support yields and progressively improve spreads and NIM.
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Latest events from Aavas Financiers
- Q1 FY27 saw 41% loan growth, 23% profit rise, strong asset quality, and robust liquidity.AAVAS
Q1 26/27 - FY26 saw 15% AUM growth, 14% higher net profit, and pristine asset quality.AAVASQ4 25/26
- AUM up 15.4% YoY, Q3 net profit up 16%, GNPA at 1.19%, and 25% disbursement growth targeted.AAVASQ3 25/26
- AUM up 16% Y-o-Y to ₹213.6 bn, net profit up 11%, and GNPA at 1.24% in Q2FY26.AAVASQ2 25/26
- Q1 FY26 saw 16% AUM growth, 10% PAT rise, strong asset quality, and a new promoter.AAVASQ1 25/26
- AUM up 20% and net profit up 22% in Q2 FY25, with strong asset quality and liquidity.AAVASQ2 24/25
- 22% AUM and 15% net profit growth in Q1 FY25, with strong asset quality and capital ratios.AAVASQ1 24/25
- 20% AUM and 21% PAT growth, robust asset quality, and strong capital ratios in Q3 FY25.AAVASQ3 24/25
- AUM and net profit rose 18% and 17% YoY, with strong asset quality and high capital adequacy.AAVASQ4 24/25
Next Aavas Financiers earnings date
Q3 26/274 Feb, 2027
Aavas Financiers
Next Aavas Financiers earnings date
Q3 26/274 Feb, 2027
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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.