# Aavas Financiers (AAVAS) — Stock analysis

> Faxioms all-in-one stock review. Canonical page: https://faxioms.com/stocks/aavas

## Current market snapshot

- Exchange: NSE
- Country: India
- Price: ₹1,135.1
- Change: +0.08%
- As of: 2026-11-06
- 1D return: +0.08%
- 5D return: +6.79%
- 1M return: -4.65%
- Latest complete quarter: fy27_q2

## Faxioms Analysis

_As of 2026-11-06_

### Technical Outlook

AAVAS is in a confirmed downtrend across daily, weekly, and monthly timeframes, with the price trading below all key moving averages and the Supertrend indicator. The daily ADX of 29.29 indicates an established trend, while the stock sits near its 252-day range low (+10.3% from the bottom) and has suffered a significant drawdown of -49.2%. Despite this structural weakness, recent activity on November 4 and 5 showed extreme volume participation (volume ratios up to 8.01) accompanying small upward moves of +0.3%, suggesting potential accumulation or short covering rather than a clear directional breakout. Immediate resistance lies at ₹1,151.90 (2.03% above), while support is tight at the pivot level of ₹1,126.00 (-0.27% below). A break above ₹1,151.90 with sustained volume would be required to challenge the bearish structure, whereas a close below ₹1,126.00 risks testing lower supports at ₹1,099.40.

- Trend: Bearish across all horizons; price below all MAs and Supertrend. Daily ADX (29.29) confirms established downward momentum.
- Levels: Resistance at ₹1,151.90 (+2.03%) and ₹1,178.50 (+4.38%). Support at pivot ₹1,126.00 (-0.27%) and lows ₹1,099.40/-1,096.00.
- Participation: Extreme volume spikes on Nov 4-5 (ratios 4.03x-8.01x) with minimal price gain (+0.3%), indicating high activity without clear direction.
- Risk: Current drawdown is -49.2% against a maximum of -52.1%; annualized volatility stands at +31.3%.

- Inside Bar
- Evening Star
- Doji
- Bearish Engulfing Reversal

### News Context

Aavas Financiers reported H1FY27 net profit of ₹3.5 billion, a 16.4% year-over-year increase, with Assets Under Management (AUM) reaching ₹248.0 billion at September 30, 2026, up 16.1% year over year. Management indicated AUM was on track to cross ₹250 billion in October 2026. The company also received an IND A1+ rating with a developing watch from India Ratings and Research for its short-term debt of Rs. 100 crores. Corporate governance updates include the appointment of Ms. Anjali Karamnarayan Seth as Independent Director via postal ballot and the confirmation of Mr. Manu Yeshpal Singh as Executive Director. Despite these operational gains, the stock has declined 31.2% over the past year and is currently trading near ₹1,129, reflecting a significant drawdown.

- H1FY27 Net Profit: ₹3.5 billion (+16.4% YoY); AUM: ₹248.0 billion (+16.1% YoY).
- Credit Rating: IND A1+ assigned by India Ratings and Research for Rs. 100 crores short-term debt; Rating Watch On.
- Management Changes: Ms. Anjali Karamnarayan Seth proposed as Independent Director (term until Oct 2031); Mr. Manu Yeshpal Singh confirmed as Executive Director.
- Market Performance: Stock down 31.2% over 1 year; current price ~₹1,129 with bearish technical trends.

- Aavas Financiers Limited has informed the Exchange about Credit Rating |SUBJECT: Credit Rating
- Aavas Financiers Limited has informed the Exchange regarding Notice of Postal Ballot and E-voting information |SUBJECT: Shareholders meeting
- Aavas Financiers Limited has informed the Exchange about Notice of Shareholders Meeting for Postal Ballot |SUBJECT: Notice Of Shareholders Meetings-XBRL
- AAVAS FINANCIERS LIMITED has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA
- Aavas Financiers Limited has informed the Exchange about Transcript of the earnings call for the Quarter and Half Year ended September 30, 2026 |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates

### What Changed

Aavas Financiers Limited (AAVAS) disclosed a credit rating action on November 5, 2026, following an event dated November 4, 2026. India Ratings and Research Private Limited assigned a short-term debt rating of IND A1+ to the company, covering a rated amount of ₹100 crores. Crucially, the agency placed this rating under 'Rating Watch with Developing Implications' (also described as 'Rating Watch On'). This status indicates that the rating is not final or stable; it signals that the rating agency is actively evaluating factors that could lead to a change in the rating direction, either upward or downward, within a relatively short timeframe. For retail investors, this watch status introduces near-term uncertainty regarding the company's liquidity profile and funding costs, distinct from the static nature of a confirmed rating.

- Credit Rating Action: India Ratings assigned an IND A1+ rating to Aavas Financiers’ short-term debt for a rated amount of ₹100 crores.
- Watch Status: The rating is under 'Rating Watch with Developing Implications,' indicating active evaluation by the agency and potential for future rating changes.
- Disclosure Timeline: The rating event occurred on November 4, 2026, and was formally disclosed to the NSE on November 5, 2026.

- [Aavas Financiers Limited has informed the Exchange about Credit Rating |SUBJECT: Credit Rating](https://nsearchives.nseindia.com/corporate/AAVAS_05112026171817_Credit_Rating_Disclosure_Final.pdf)

### Official Filings

Aavas Financiers Limited has reported significant operational and governance developments in early November 2026. The company announced that its Assets Under Management (AUM) crossed ₹25,000 crore on November 1, 2026, building on H1FY27 growth of 16.1% year-over-year to ₹248.0 billion as of September 30, 2026. Concurrently, shareholders approved key leadership changes via postal ballot on November 1, 2026: Mr. Manu Yeshpal Singh was appointed Managing Director and CEO for a five-year term starting September 19, 2026, and Mr. Sanjeev Srinivasan was appointed Non-Executive Nominee Director for the same period. On November 5, 2026, India Ratings assigned an IND A1+ rating with a 'Developing Implications' watch to the company’s short-term debt of ₹100 crores. Additionally, a postal ballot is scheduled for November 6, 2026, to seek shareholder approval for appointing Ms. Anjali Karamnarayan Seth as an Independent Director.

- Operational Milestone: AUM crossed ₹25,000 crore on November 1, 2026; H1FY27 net profit grew 16.4% YoY to ₹3.5 billion, with AUM up 16.1% YoY to ₹248.0 billion at September 30, 2026.
- Leadership Changes: Shareholders approved the appointment of Mr. Manu Yeshpal Singh as Managing Director/CEO and Mr. Sanjeev Srinivasan as Non-Executive Nominee Director on November 1, 2026, both for five-year terms effective September 19, 2026.
- Credit Rating Action: India Ratings assigned an IND A1+ rating to short-term debt of ₹100 crores on November 4, 2026, with a 'Rating Watch On' status indicating developing implications.
- Upcoming Governance Vote: A postal ballot is scheduled for November 6, 2026, to approve the appointment of Ms. Anjali Karamnarayan Seth as an Independent Director for a term from October 27, 2026, to October 26, 2031.

- [Aavas Financiers Limited has informed the Exchange about Credit Rating |SUBJECT: Credit Rating](https://nsearchives.nseindia.com/corporate/AAVAS_05112026171817_Credit_Rating_Disclosure_Final.pdf)
- [Aavas Financiers Limited has informed the Exchange regarding Notice of Postal Ballot and E-voting information |SUBJECT: Shareholders meeting](https://nsearchives.nseindia.com/corporate/AAVAS_04112026164542_ExchangeIntimation.pdf)
- [Aavas Financiers Limited has informed the Exchange about Notice of Shareholders Meeting for Postal Ballot |SUBJECT: Notice Of Shareholders Meetings-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/NOTICE_OF_SHAREHOLDERS_MEETINGS_16760_WebXMLFile_20261104_170138136.xml)
- [AAVAS FINANCIERS LIMITED has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA](https://nsearchives.nseindia.com/corporate/xbrl/CIM_16760_WebXMLFile_20261103_132258046.xml)
- [Aavas Financiers Limited has informed the Exchange about Transcript of the earnings call for the Quarter and Half Year ended September 30, 2026 |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/AAVAS_02112026113921_Transcript.pdf)
- [Aavas Financiers Limited has informed the Exchange about Transcripts - earnings or quarterly calls |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_16760_WebXMLFile_20261102_120832450.xml)
- [Aavas Financiers Limited has submitted the Exchange a copy Scrutinizer's report of Postal Ballot. Further, the company has informed the Exchange regarding voting results. |SUBJECT: Shareholders meeting](https://nsearchives.nseindia.com/corporate/AAVAS_02112026195205_Voting_Result_and_Scrutinizer_Report.pdf)
- [Press Release Aavas Financiers Limited crosses Rs. 25,000 Crore in Assets UnderManagement ( AUM ) |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/AAVAS_01112026173913_SignedPR.pdf)
- [Aavas Financiers Limited has informed the Exchange about intimation of Investor(s) / Analyst(s) meet/Conference scheduled to be held on November 05, 2026. |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/AAVAS_31102026132624_Investor_Meet_Intimation_.pdf)
- [Aavas Financiers Limited has informed the Exchange about Schedule of Analysts or Institutional Investors Meet |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_16760_WebXMLFile_20261031_155654571.xml)

### Fundamentals

Aavas Financiers demonstrates consistent top-line and bottom-line expansion, with TTM revenue reaching ₹2,834 crore (19% three-year CAGR) and TTM net profit at ₹705 crore. The financing margin has improved to 34%, up from 32% in FY2025, indicating stable pricing power or cost efficiency despite rising finance costs of ₹1,146 crore. However, the company remains cash-flow negative; operating cash flow for FY2026 was -₹1,386 crore, reflecting the capital-intensive nature of its lending growth. This is funded by increased borrowings (₹14,361 crore as of Sep 2026) and a significant rise in equity base to ₹5,398 crore. Shareholding patterns show a notable shift: promoter holding rose sharply to 48.88%, while FII and DII stakes contracted to 15.2% and 22.4% respectively. Fixed assets grew to ₹187 crore, but CWIP dropped to zero, suggesting recent capex cycles have completed.

- Revenue and profit growth remain robust: TTM revenue is ₹2,834 crore (+19% 3Y CAGR) and TTM net profit is ₹705 crore, with EPS rising to ₹88.88.
- Financing margin stabilized at 34% in TTM, up from 32% in FY2025, supporting profitability despite higher interest expenses of ₹1,146 crore.
- Operating cash flow remains negative (-₹1,386 crore in FY2026), requiring continued reliance on debt (₹14,361 crore) and equity infusion (₹5,398 crore) to fund loan book growth to ₹19,321 crore.
- Promoter stake increased significantly to 48.88% (Sep 2026), while institutional ownership (FIIs + DIIs) declined to 37.6%, signaling a change in shareholder composition.

### Bear Case

Technical indicators for Aavas Financiers (NSE: AAVAS) as of November 5, 2026, present a consistent bearish setup across daily, weekly, and monthly timeframes. The stock closed at ₹1,129.0, trading below key moving averages with negative slopes in both the 20-day and 50-day periods. The ADX reading of 29.29 on the daily chart suggests moderate trend strength, while the Supertrend indicator remains bearish. Price action has been weak over recent horizons, with returns of -7.4% over one month and -31.2% over the past year. The stock is currently in a significant drawdown phase, sitting 49.2% below its peak, having experienced a maximum drawdown of 52.1%. Immediate resistance lies near ₹1,151.9, just 2.03% above current levels, while support is tested at the pivot level of ₹1,126.0.

- Trend Direction: Daily, weekly, and monthly Supertrend indicators are all bearish; 20-day and 50-day moving average slopes are negative (-26.78 and -25.68 respectively).
- Price Performance: Year-to-date return is -22.6%, with a 1-month return of -7.4% and a 1-year return of -31.2%; current drawdown is -49.2% against a maximum drawdown of -52.1%.
- Volatility & Risk: Annualized volatility stands at +31.3% with an ATR of 3.73%, indicating elevated price fluctuation risk.
- Key Levels: Immediate resistance at ₹1,151.9 (+2.03%) and support at the pivot level of ₹1,126.0 (-0.27%).

- [Aavas Financiers Limited has informed the Exchange about Credit Rating |SUBJECT: Credit Rating](https://nsearchives.nseindia.com/corporate/AAVAS_05112026171817_Credit_Rating_Disclosure_Final.pdf)
- [Aavas Financiers Limited has informed the Exchange regarding Notice of Postal Ballot and E-voting information |SUBJECT: Shareholders meeting](https://nsearchives.nseindia.com/corporate/AAVAS_04112026164542_ExchangeIntimation.pdf)
- [Aavas Financiers Limited has informed the Exchange about Notice of Shareholders Meeting for Postal Ballot |SUBJECT: Notice Of Shareholders Meetings-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/NOTICE_OF_SHAREHOLDERS_MEETINGS_16760_WebXMLFile_20261104_170138136.xml)
- [AAVAS FINANCIERS LIMITED has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA](https://nsearchives.nseindia.com/corporate/xbrl/CIM_16760_WebXMLFile_20261103_132258046.xml)
- [Aavas Financiers Limited has informed the Exchange about Transcript of the earnings call for the Quarter and Half Year ended September 30, 2026 |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/AAVAS_02112026113921_Transcript.pdf)
- [Aavas Financiers Limited has informed the Exchange about Transcripts - earnings or quarterly calls |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_16760_WebXMLFile_20261102_120832450.xml)
- [Aavas Financiers Limited has submitted the Exchange a copy Scrutinizer's report of Postal Ballot. Further, the company has informed the Exchange regarding voting results. |SUBJECT: Shareholders meeting](https://nsearchives.nseindia.com/corporate/AAVAS_02112026195205_Voting_Result_and_Scrutinizer_Report.pdf)
- [Press Release Aavas Financiers Limited crosses Rs. 25,000 Crore in Assets UnderManagement ( AUM ) |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/AAVAS_01112026173913_SignedPR.pdf)
- [Aavas Financiers Limited has informed the Exchange about intimation of Investor(s) / Analyst(s) meet/Conference scheduled to be held on November 05, 2026. |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/AAVAS_31102026132624_Investor_Meet_Intimation_.pdf)
- [Aavas Financiers Limited has informed the Exchange about Schedule of Analysts or Institutional Investors Meet |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_16760_WebXMLFile_20261031_155654571.xml)

### FAQs

**What recent credit rating action has been taken on Aavas Financiers' short-term debt?**

India Ratings and Research assigned an IND A1+ rating with a 'Rating Watch On' status to Aavas Financiers’ short-term debt of ₹100 crores. This action, effective November 4, 2026, was disclosed to the NSE on November 5, 2026.

**Who is being appointed as an Independent Director, and what are the voting timelines?**

Shareholders are voting via postal ballot to appoint Ms. Anjali Karamnarayan Seth as an Independent Director for a five-year term from October 27, 2026, to October 26, 2031. Remote e-voting is open from November 6, 2026, to December 5, 2026, with results expected by December 8, 2026.

**How did Aavas Financiers perform financially in the first half of FY27?**

For the half year ended September 30, 2026, Aavas reported a net profit of ₹3.5 billion, representing a 16.4% year-over-year increase. Assets Under Management (AUM) reached ₹248.0 billion at September 30, 2026, up 16.1% year over year.

**What changes have occurred in the company's senior management structure?**

Shareholders approved the appointment of Mr. Manu Yeshpal Singh as Director and Managing Director and Mr. Sanjeev Srinivasan as Non-Executive Nominee Director on November 1, 2026. Concurrently, Mr. Singh’s designation changed from CEO to Executive Director, and Mr. Srinivasan’s from Additional Non-Executive Nominee Director to Non-Executive Nominee Director, effective September 19, 2026.

- [Aavas Financiers Limited has informed the Exchange about Credit Rating |SUBJECT: Credit Rating](https://nsearchives.nseindia.com/corporate/AAVAS_05112026171817_Credit_Rating_Disclosure_Final.pdf)
- [Aavas Financiers Limited has informed the Exchange regarding Notice of Postal Ballot and E-voting information |SUBJECT: Shareholders meeting](https://nsearchives.nseindia.com/corporate/AAVAS_04112026164542_ExchangeIntimation.pdf)
- [Aavas Financiers Limited has informed the Exchange about Notice of Shareholders Meeting for Postal Ballot |SUBJECT: Notice Of Shareholders Meetings-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/NOTICE_OF_SHAREHOLDERS_MEETINGS_16760_WebXMLFile_20261104_170138136.xml)
- [AAVAS FINANCIERS LIMITED has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA](https://nsearchives.nseindia.com/corporate/xbrl/CIM_16760_WebXMLFile_20261103_132258046.xml)
- [Aavas Financiers Limited has informed the Exchange about Transcript of the earnings call for the Quarter and Half Year ended September 30, 2026 |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/AAVAS_02112026113921_Transcript.pdf)
- [Aavas Financiers Limited has informed the Exchange about Transcripts - earnings or quarterly calls |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_16760_WebXMLFile_20261102_120832450.xml)
- [Aavas Financiers Limited has submitted the Exchange a copy Scrutinizer's report of Postal Ballot. Further, the company has informed the Exchange regarding voting results. |SUBJECT: Shareholders meeting](https://nsearchives.nseindia.com/corporate/AAVAS_02112026195205_Voting_Result_and_Scrutinizer_Report.pdf)
- [Press Release Aavas Financiers Limited crosses Rs. 25,000 Crore in Assets UnderManagement ( AUM ) |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/AAVAS_01112026173913_SignedPR.pdf)
- [Aavas Financiers Limited has informed the Exchange about intimation of Investor(s) / Analyst(s) meet/Conference scheduled to be held on November 05, 2026. |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/AAVAS_31102026132624_Investor_Meet_Intimation_.pdf)
- [Aavas Financiers Limited has informed the Exchange about Schedule of Analysts or Institutional Investors Meet |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_16760_WebXMLFile_20261031_155654571.xml)
## Technical analytics

- As of: 2026-11-06
- Daily trend: Strong Downtrend
- Weekly trend: Moderate Downtrend
- Pivot point: ₹1,140.27
- Risk regime: Higher Price Risk

### Support levels
- 1096
- 1059
- 1121.1333333333332

### Resistance levels
- 1317.4625
- 1475.9
- 1541.375

### Return and range metrics

| Metric | Value |
| --- | --- |
| return_1 | +0.08% |
| return_10 | +1.88% |
| return_1m | -6.58% |
| return_1y | -29.23% |
| return_20 | -4.65% |
| return_3m | -17.53% |
| return_5 | +6.79% |
| return_6m | -20.92% |
| return_since_start | -32.35% |
| return_ytd | -22.21% |

### Risk and volatility metrics

| Metric | Value |
| --- | --- |
| state | high_risk |
| label | Higher price risk |
| summary | Recent drawdown or price variability is materially high and may lead to larger short-term outcomes. |
| maximum_drawdown | -52.13% |
| annualized_volatility | +31.28% |

## Quarterly financials

- Latest complete quarter: fy27_q2

# Aavas Financiers Q2 FY2026-27: Revenue up 10%, profit up 11%

Aavas Financiers reported revenue from operations of ₹736 crore for the quarter ended 30 September 2026, up 10.4% year on year, while profit for the period rose 10.7% to ₹182 crore. The loan balance reached ₹19,321 crore at quarter-end; impairment expense also increased year on year, to ₹13.4 crore.

## Revenue and income mix

Interest earned was ₹630 crore, up 11.8% from ₹564 crore in Q2 FY2025-26 and 2.2% from ₹616 crore in Q1 FY2026-27. Revenue from operations also included ₹29.8 crore of fees and commission income, a ₹6.1 crore net gain on fair-value changes and a ₹70.5 crore net gain on derecognition of financial instruments under the amortised-cost category. Total income was ₹736.8 crore.

## Expenses and impairment

Total expenses increased 9.9% year on year and 2.5% quarter on quarter to ₹501.2 crore. Finance costs were ₹305.3 crore, up 10.8% from Q2 FY2025-26 and 4.3% from Q1 FY2026-27. Employee benefit expense was ₹121.2 crore and depreciation and amortisation expense was ₹12.2 crore.

Impairment on financial instruments rose to ₹13.4 crore from ₹8.0 crore in Q2 FY2025-26 and ₹12.8 crore in Q1 FY2026-27. Other expenses were ₹48.4 crore, little changed from the previous quarter.

## Profit and earnings per share

Profit before tax increased 11.5% year on year and 7.0% quarter on quarter to ₹235.6 crore. Tax expense was ₹54.1 crore, comprising current tax of ₹51.9 crore and deferred tax of ₹2.2 crore. Profit for the period was ₹181.5 crore, up 10.7% year on year and 6.0% quarter on quarter.

Basic and diluted earnings per share were ₹22.89 and ₹22.80, respectively, compared with ₹20.71 and ₹20.55 in Q2 FY2025-26.

## Loan book, funding and equity

Loans stood at ₹19,320.7 crore on 30 September 2026, compared with ₹18,372.7 crore on 31 March 2026 and ₹16,663.0 crore on 30 September 2025. Borrowings were ₹14,361.5 crore, up from ₹13,558.1 crore at the end of March. Equity increased to ₹5,398.5 crore from ₹5,050.9 crore over the same period. The loan book and these funding and equity balances all expanded during the six months to September.

## Cash flow and liquidity

Cash flow from operating activities was negative ₹647.3 crore in Q2 FY2026-27, while investing cash flow was positive ₹71.5 crore and financing cash flow was positive ₹776.4 crore. Free cash flow was negative ₹575.9 crore.

Cash and cash equivalents rose to ₹429.1 crore at 30 September from ₹228.6 crore at 31 March. Other bank balances declined to ₹1,471.2 crore from ₹1,614.7 crore over the same period.

## Key Takeaway

Aavas combined double-digit year-on-year revenue and profit growth with further loan-book expansion. Higher impairment expense and negative operating cash flow are important counterpoints; quarter-end cash and cash equivalents increased, alongside growth in borrowings and equity.

### Ratios

## Shareholding pattern

- Quarter: FY2027-Q2
- As of: 2026-09-30
- Promoter holding: +48.88%
- FII holding: +15.20%
- DII holding: +22.40%
- Mutual fund holding: +17.85%
- Retail holding: +9.08%
- Promoter pledged: +0.00%

### Major reported shareholders

- Aquilo House Pte. Ltd. — +48.88% (Bodies Corporate)
- Hdfc Trustee Company Ltd. A/C Hdfc Balanced Advantage Fund — +3.50%
- Icici Prudential Banking And Financial Services Fund — +3.14%
- Sundaram Mutual Fund A/C Sundaram Services Fund — +2.79%
- Axis Max Life Insurance Limited Ac Reversionary Bonus Participating Equity — +2.73%
- Uti-Flexi Cap Fund — +2.49%
- Government Pension Fund Global — +2.29%
- Nippon Life India Trustee Ltd-A/C Nippon India Small Cap Fund — +2.19%
- Abu Dhabi Investment Authority - Monsoon — +2.12%
- Sbi Banking & Financial Services Fund — +1.93%

## Official filings

- 2026-11-07 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_07112026173232_ESGRatingIntimation.pdf)
- 2026-11-05 — Credit Rating Update: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_05112026171817_Credit_Rating_Disclosure_Final.pdf)
- 2026-11-04 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_04112026164542_ExchangeIntimation.pdf)
- 2026-11-04 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/NOTICE_OF_SHAREHOLDERS_MEETINGS_16760_WebXMLFile_20261104_170138136.xml)
- 2026-11-03 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/CIM_16760_WebXMLFile_20261103_132258046.xml)
- 2026-11-02 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_02112026113921_Transcript.pdf)
- 2026-11-02 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_16760_WebXMLFile_20261102_120832450.xml)
- 2026-11-02 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_02112026195205_Voting_Result_and_Scrutinizer_Report.pdf)
- 2026-11-01 — Press Release: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_01112026173913_SignedPR.pdf)
- 2026-10-31 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_31102026132624_Investor_Meet_Intimation_.pdf)
- 2026-10-31 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_16760_WebXMLFile_20261031_155654571.xml)
- 2026-10-28 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_16760_WebXMLFile_20261028_191219194.xml)
- 2026-10-28 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_28102026192753_Investor_Meet_Intimation_.pdf)
- 2026-10-27 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_27102026142520_Newspaper.pdf)
- 2026-10-26 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_26102026104247_Grant_Intimation.pdf)
- 2026-10-26 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_26102026174009_OutcomeFR_.pdf)
- 2026-10-26 — Earnings Presentation: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_26102026175528_merged.pdf)
- 2026-10-26 — Press Release: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_26102026180322_merged.pdf)
- 2026-10-26 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_26102026182114_OutcomeotherFR.pdf)
- 2026-10-26 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_26102026182525_OutcomeotherFR.pdf)
- 2026-10-26 — Financial Results Filing: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_NBFC_INDAS_1746216_26102026072928_WEB.xml)
- 2026-10-26 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/CIM_16760_WebXMLFile_20261026_194821287.xml)
- 2026-10-26 — Management Change: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_ROID_101730_KMP_Doc.zip)
- 2026-10-26 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_16760_WebXMLFile_20261026_205717816.xml)
- 2026-10-26 — Generic Announcement: Aavas Financiers Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/AAVAS_26102026212328_SE_Intimation.pdf)

## News and market events

- 2026-10-27 — MONEYCONTROL: **Buy AAVAS Financiers; target of Rs 1685: Prabhudas Lilladher** — Buy AAVAS Financiers; target of Rs 1685: Prabhudas Lilladher Follow Us On: Stocks: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Others Trending Topics more Sensex Today Jio IPO Allotment Jio IPO Listing Date Israel Elections 2026 live Microsoft Buyout news Gyanesh Kumar Benjamin Netanyahu Noel Tata Ather Share Price Anthropic IPO News more Business Markets Stocks India News City News Economy Mutual Funds Personal Finance IPO News Startups Markets more Home Currencies Commodities Pre-Market IPO Global Market US Markets Bonds Silver MCX Price Gold MCX Price Personal Finance more Home Loan — [Source](https://www.moneycontrol.com/news/business/earnings/buy-aavas-financiers-target-of-rs-1685-prabhudas-lilladher-2-14061108.html)
- 2026-10-26 — CNBC-TV18: **Stocks to Watch for October 27: Tata Consumer, REC, DCM Shriram, Dalmia Bharat, defence stocks and more** — Stocks to Watch: Tata Consumer Products, REC, Dalmia Bharat, DCM Shriram, Sona BLW, Aavas Financiers, Aequs, Five-Star Business Finance and Genus Power are among the stocks in focus ahead of Tuesday’s trading session after Q2 results and key corporate announcements. — [Source](https://www.cnbctv18.com/photos/market/stocks-to-watch-for-october-27-tata-consumer-rec-dcm-shriram-dalmia-bharat-defence-share-price-20019656.htm)
- 2026-09-21 — Mint: **Top stocks to buy tomorrow: Eternal, NTPC Green, Kaynes Tech, Aavas, GESHIP by Sumeet Bagadia | target price, stop-loss** — Amid market volatility, Sumeet Bagadia highlights five stocks to watch—Kaynes Technology, GESHIP, NTPC Green Energy, Eternal, and AAVAS—for bullish signals. Each shows improving technical setups and performance patterns, suggesting further upside potential if key risk levels are maintained. — [Source](https://www.livemint.com/market/stock-market-news/top-stocks-to-buy-tomorrow-eternal-ntpc-green-kaynes-tech-aavas-geship-by-sumeet-bagadia-target-price-stoploss-11790001244923.html)
- 2026-09-16 — Mint: **Down 12% YTD, but PL Capital upgrades this NBFC stock to a buy, sees over 30% upside potential. Do you own?** — Despite a 12% decline year-to-date, PL Capital upgrades AAVAS Financiers to a 'buy' with a target price of  ₹1,685, citing strong technology-driven growth potential and AI enhancements.  — [Source](https://www.livemint.com/market/stock-market-news/down-12-ytd-but-pl-capital-upgrades-this-nbfc-stock-to-a-buy-sees-over-30-upside-potential-do-you-own-11789549667888.html)
- 2026-09-16 — MONEYCONTROL: **Buy AAVAS Financiers; target of Rs 1685: Prabhudas Lilladher** — Prabhudas Lilladher, AAVAS Financiers, buy, Recommendations — [Source](https://www.moneycontrol.com/news/business/stocks/buy-aavas-financiers-target-of-rs-1685-prabhudas-lilladher-14030870.html)
- 2026-09-15 — MONEYCONTROL: **Neutral AAVAS Financiers; target of Rs 1435: Motilal Oswal** — Motilal Oswal, Neutral, AAVAS Financiers, Recommendations — [Source](https://www.moneycontrol.com/news/business/stocks/neutral-aavas-financiers-target-of-rs-1435-motilal-oswal-14030073.html)
- 2026-09-11 — The Hindu: **Broker’s call: Aavas Financiers (Add)** — Emkay Global Fin — [Source](https://www.thehindubusinessline.com/markets/brokers-call-aavas-financiers-add/article71456571.ece)
- 2026-09-03 — BUSINESS: **Volumes soar at Elgi Equipments Ltd counter** — Elgi Equipments Ltd recorded volume of 6.62 lakh shares by 10:46 IST on BSE, a 22.76 times surge over two-week average daily volume of 29096 shares — [Source](https://www.business-standard.com/markets/capital-market-news/volumes-soar-at-elgi-equipments-ltd-counter-126090300304_1.html)
- 2026-08-18 — BUSINESS: **Volumes spurt at Billionbrains Garage Ventures Ltd counter** — Billionbrains Garage Ventures Ltd notched up volume of 819.05 lakh shares by 10:46 IST on BSE, a 44.78 fold spurt over two-week average daily volume of 18.29 lakh shares — [Source](https://www.business-standard.com/markets/capital-market-news/volumes-spurt-at-billionbrains-garage-ventures-ltd-counter-126081800352_1.html)
- 2026-08-12 — FREEPRESSJOURNAL.IN: **Thane Sessions Court Quashes Criminal Process Against Finance Company In Illegal Mira Road Flat Demolition Case** — The Thane Additional Sessions Court set aside a Magistrate court order issuing criminal process against Aavas Financiers in a Mira Road illegal flat demolition case. The court held that there was no prima facie evidence of cheating, criminal breach of trust, or any nexus between the finance company and the builder. — [Source](https://www.freepressjournal.in/mumbai/thane-sessions-court-quashes-criminal-process-against-finance-company-in-illegal-mira-road-flat-demolition-case)

## Business profile

**Strategic vision:** Housing finance for low and middle-income customers in semi-urban and rural areas.

### Business segments
- **Housing Loans:** Offers various housing loans including finance for purchase, construction, and home extension, catering to low and middle-income customers.
- **Other Loan Products:** Provides home loan balance transfers, loans against property, MSME business loans, and small ticket-size loans.

### Competitive strengths
- Focus on serving a financially excluded segment of the population.
- Proprietary appraisal methodology for assessing creditworthiness of customers with non-traditional income proof.
- Extensive branch network in semi-urban and rural areas.

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## Freshness and sources

- Data as of: 2026-11-06
- Source: Faxioms public stock analysis API

Canonical: https://faxioms.com/stocks/aavas
Markdown representation: https://faxioms.com/stocks/aavas?render=md