Aavas Financiers Limited

Web: aavas.in NSE: AAVAS BSE: 541988 SECTOR: Financial Services - Finance

1388 56(-4%)

Volume

5L as on 22, Jul

Open

1,988

High

1,669

Low

1,656

1,444

VWAP

1,471

52 Week High

1,961

52 Week Low

1,060

Viand Research Rating

Quality Score

34/100

Growth Score

10/100

Valuation Score

50/100

Momentum Score

0/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

11,002

No. of Shares

7.93

P/E

26.65

P/B

3.58

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

13.44

ROCE

Profit Growth

Listing Date

08-Oct-18

Promoter Holding

48.88%

FII Holding

16.74%

DII Holding

22.14%

Price Chart

Price Performance

1 Week4%

1 Month2%

3 Months4%

6 Months1%

1 Year24%

YTD1%

Moving Average

5 Day SMA1,489

10 Day SMA1,492

20 Day SMA1,497

30 Day SMA1,470

50 Day SMA1,420

61 Day SMA1,418

80 Day SMA1,374

200 Day SMA1,431

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,587	1,535	1,558	1,594
Resistance 2	1,558	1,530	1,541	1,562
Resistance 1	1,540	1,526	1,529	1,547
Pivot Point	1,512	1,522	1,512	1,515
Support 1	1,493	1,517	1,494	1,500
Support 2	1,465	1,513	1,483	1,468
Support 3	1,446	1,509	1,465	1,454

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(-0.11) 48.88%	(0.01) 48.95%	(0.01) 48.96%	(22.51) 48.96%	(0.01) 26.47%	(0.01) 26.47%	(0.01) 26.47%	(0.01) 26.47%	(-12.61) 26.47%	(0.01) 39.10%	(0.01) 39.11%	(0.01) 39.13%	(0.01) 39.14%	(0.01) 39.15%	(0.01) 39.16%	(0.01) 39.19%	(0.01) 39.20%	(0.01) 39.21%	(0.01) 39.22%
FIIs	(-8.01) 16.74%	(-1.21) 24.72%	(-3.91) 25.88%	(0.11) 29.77%	(-4.31) 29.67%	(-1.51) 33.97%	(-0.41) 35.50%	(1.11) 35.88%	(2.51) 34.80%	(-3.21) 32.32%	(0.51) 35.49%	(-3.81) 35.01%	(0.91) 38.83%	(0.21) 37.91%	(-1.41) 37.67%	(-0.91) 39.03%	(-0.11) 39.91%	(0.21) 40.05%	(0.01) 39.81%
DIIs	(7.81) 22.14%	(0.21) 14.30%	(2.61) 14.13%	(0.81) 11.52%	(-14.91) 10.75%	(0.11) 25.69%	(1.21) 25.55%	(0.41) 24.39%	(8.71) 23.99%	(1.21) 15.29%	(-0.21) 14.13%	(1.91) 14.34%	(1.61) 12.49%	(-0.11) 10.91%	(0.81) 11.01%	(0.31) 10.21%	(-0.11) 9.89%	(-0.11) 9.99%	(0.01) 10.12%
Public	12.24%	12.04%	11.02%	9.75%	33.11%	13.87%	12.49%	13.26%	14.76%	13.29%	11.24%	11.51%	9.53%	12.03%	12.16%	11.57%	11.00%	10.75%	10.85%
No. of Shareholders	117,980	120,695	122,052	121,862	132,792	147,894	144,452	144,395	151,680	132,644	107,718	94,788	60,388	62,631	58,409	54,261	50,248	42,777	42,335

Quarterly Results

	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021	Mar 2021
Sales	667	628	636	597	579	542	546	508	497	467	450	411	395	353	365	343	325	272	289
Sales Growth % (YoY)	15.2%	15.7%	16.5%	17.5%	16.6%	16.2%	21.4%	23.5%	25.8%	32.3%	23.2%	20.1%	21.6%	29.8%	26.1%	10.5%	20.1%	16.4%	23.5%
Sales Growth % (QoQ)	6.2%	-1.3%	6.5%	3.1%	6.8%	-0.7%	7.5%	2.2%	6.4%	3.8%	9.5%	4.1%	11.9%	-3.3%	6.4%	5.5%	19.5%	-5.9%	-
Expenses	170	168	170	142	133	138	139	134	129	132	118	117	110	98	89	97	86	80	76
Operating Profit	222	188	202	196	198	169	186	157	164	148	167	144	144	121	153	120	123	79	98
OPM %	33	30	32	33	34	31	34	31	33	32	37	35	37	34	42	35	38	29	34
Other Income	0	0	1	1	1	0	1	1	1	0	1	1	0	0	0	0	1	0	2
Interest	276	271	265	259	249	235	222	217	204	187	165	150	141	135	124	125	116	113	115
Depreciation	11	9	10	9	9	9	9	9	8	7	9	7	7	6	7	6	6	5	5
Profit before tax	211	179	193	188	190	161	177	150	157	141	159	138	138	114	146	115	118	74	95
Tax %	22	22	20	22	22	22	20	22	23	22	20	22	22	22	21	23	22	20	8
Net Profit	164	139	154	146	148	126	142	117	122	110	127	107	107	89	115	89	92	59	87
Net Profit Growth % (QoQ)	18%	-9.7%	5.5%	-1.4%	17.5%	-11.3%	21.4%	-4.1%	10.9%	-13.4%	18.7%	-	20.2%	-22.6%	29.2%	-3.3%	55.9%	-32.2%	-
Net Profit Growth % (YoY)	10.8%	10.3%	8.5%	24.8%	21.3%	14.5%	11.8%	9.3%	14%	23.6%	10.4%	20.2%	16.3%	50.8%	32.2%	-	-	-	-
TTM Net Profit	603	587	574	562	533	507	491	476	466	451	430	418	400	385	355	327	238	146	0
EPS in Rs	20.71	17.59	19.42	18.5	18.69	15.93	18	14.75	15.38	13.89	16.04	13.55	13.49	11.28	14.63	11.25	11.65	7.52	11.14

Profit and Loss

	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014
Sales	2355	2018	1609	1304	1103	903	710	494	305	191	104	54
Sales Growth %	16.7%	25.4%	23.3%	18.2%	22.2%	27.1%	43.9%	-	59.8%	84.1%	90.9%	208.8%
Expenses	582	534	442	352	274	226	188	162	72	43	21	14
Operating Profit	765	655	575	475	371	321	267	139	90	51	30	10
OPM %	32	32	36	36	34	36	38	28	29	27	29	18
Other Income	4	3	2	1	2	1	1	1	0	0	0	0
Interest	1007	828	591	478	458	356	255	193	143	97	53	30
Depreciation	36	33	29	24	21	20	10	6	3	1	1	0
Profit before tax	733	625	548	453	353	302	258	134	88	50	29	9
Tax %	22	22	22	22	18	18	32	31	35	34	34	33
Net Profit	574	491	430	355	289	249	176	93	57	33	19	6
Net Profit Growth %	16.9%	14.2%	21.1%	22.8%	16.1%	41.5%	89.2%	63.2%	72.7%	73.7%	216.7%	-
EPS in Rs	72.53	62	54.35	45	36.8	31.8	22.54	13.45	9.82	8.54	5.8	2.12
Dividend Payout %	0	0	0	0	0	0	0	0	0	0	0	0

Cash Flows

	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016
Cash from Operating Activity	-1660	-1987	-1924	-1135	-1071	-1172	-1276	-933	-591	-591
Cash from Investing Activity	176	-648	196	-463	-265	-342	-327	-218	-15	-1
Cash from Financing Activity	1475	2477	1858	1623	1008	1705	1404	1240	640	816
Net Cash Flow	-9	-157	130	26	-328	191	-198	90	34	224

Balance Sheet

	Sep 2025	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014
Equity Capital	79	79	79	79	79	78	78	78	69	58	38	33	30
Reserves	4601	4282	3694	3191	2728	2322	2020	1759	1121	508	165	69	26
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	349	339	348	253	199	181	177	137	95	91	60	47	8
Total Liabilities	19441	18618	16519	13410	11017	8959	7657	5627	4040	2451	1711	852	418
Fixed Assets	157	134	116	78	66	58	60	23	18	10	6	5	5
CWIP	0	10	11	20	2	0	1	0	0	0	0	0	0
Investments	209	230	182	111	53	0	0	0	0	1	0	0	0
Other Assets	19075	18244	16210	13200	10897	8901	7596	5604	4022	2440	1705	847	412
Total Assets	19441	18618	16519	13410	11017	8959	7657	5627	4040	2451	1711	852	418

Delivery

#	Date	1248 24% 1545	Value (Cr)	Q/T 22	Del 59	Del 44
1	22-Jul	1444	71	12	49	35
2	21-Jul	1522	11	5	45	5
3	20-Jul	1497	5	5	49	3
4	17-Jul	1481	4	5	44	2
5	16-Jul	1501	5	4	52	3
6	15-Jul	1501	10	6	45	4
7	14-Jul	1448	10	6	51	5
8	13-Jul	1498	7	7	41	3
9	10-Jul	1526	7	7	57	4
10	9-Jul	1505	7	6	51	4
11	8-Jul	1500	15	8	64	10
12	7-Jul	1506	9	5	56	5
13	6-Jul	1514	9	5	51	5
14	3-Jul	1506	8	6	57	5
15	2-Jul	1504	9	6	58	5
16	1-Jul	1518	16	6	59	9
17	30-Jun	1521	23	8	55	13
18	29-Jun	1484	30	8	61	19
19	25-Jun	1490	13	8	54	7
20	24-Jun	1483	34	9	61	20
21	23-Jun	1452	20	8	67	13
22	22-Jun	1467	118	10	39	46
23	19-Jun	1472	22	9	70	16
24	18-Jun	1468	14	9	58	8
25	17-Jun	1452	29	11	57	17
26	16-Jun	1394	9	8	54	5
27	15-Jun	1405	22	8	65	14
28	12-Jun	1406	119	13	28	33
29	11-Jun	1328	114	18	76	87
30	10-Jun	1300	20	6	46	9
31	9-Jun	1257	17	14	78	13
32	8-Jun	1259	23	9	67	16
33	5-Jun	1298	23	14	77	18
34	4-Jun	1300	17	12	75	13
35	3-Jun	1312	13	17	81	11
36	2-Jun	1305	7	5	54	4
37	1-Jun	1324	9	6	56	5
38	29-May	1343	14	9	56	8
39	27-May	1369	26	40	89	23
40	26-May	1393	28	31	86	24
41	25-May	1375	5	7	48	2
42	22-May	1397	24	23	85	21
43	21-May	1375	6	5	50	3
44	20-May	1358	6	6	44	2
45	19-May	1336	11	20	86	10
46	18-May	1339	6	7	44	2
47	15-May	1385	4	7	56	2
48	14-May	1396	4	5	53	2

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	11,002c	389c	3.41
22-Jul	11,391c	692c	5.73
21-Jul	12,083c	364c	3.11
17-Jul	11,719c	200c	1.68
16-Jul	11,919c	98c	0.83
15-Jul	11,820c	264c	2.28
14-Jul	11,556c	370c	3.10
13-Jul	11,927c	21c	0.18
10-Jul	11,948c	6c	0.05
09-Jul	11,953c	61c	0.51
08-Jul	11,892c	34c	0.29
07-Jul	11,927c	102c	0.84
06-Jul	12,028c	14c	0.12
02-Jul	12,042c	89c	0.73
30-Jun	12,131c	325c	2.75
29-Jun	11,806c	33c	0.27
26-Jun	11,839c	24c	0.20
25-Jun	11,815c	40c	0.34
24-Jun	11,774c	237c	2.05
23-Jun	11,537c	32c	0.27
22-Jun	11,569c	126c	1.08
19-Jun	11,695c	157c	1.36
17-Jun	11,538c	439c	3.95
16-Jun	11,100c	54c	0.49
15-Jun	11,046c	55c	0.49
12-Jun	11,100c	603c	5.74
11-Jun	10,498c	156c	1.51
10-Jun	10,342c	0	0

Stock Checklist

Price is below from 52 week high low average: 27%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 142 fund scheme(s) across 25 fund house(s) as of Jul26 · Total value ₹6,769 Cr · 44 increasing / 6 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
ICICI Prudential Mutual Fund	28	6.25%	+0.35%	2008.6
HDFC Mutual Fund	16	6.68%	+0.23%	1340.3
Nippon India Mutual Fund	12	0.67%	-	1075.1
SBI Mutual Fund	10	0.99%	-	617
Sundaram Mutual Fund	12	1.82%	+0.11%	557.6
UTI Mutual Fund	6	0.89%	-	508
ICICI Prudential Asset Management Company Limited	5	0.93%	+0.97%	495.4
Sundaram Asset Management Company Ltd	1	3.18%	+3.18%	51.2
Tata Mutual Fund	4	1.79%	-	28.8
Bandhan Mutual Fund	6	0.51%	-	26.6
Helios Mutual Fund	4	0.96%	+0.09%	23.5
WhiteOak Capital Mutual Fund	2	0.96%	+0.20%	11.4
Motilal Oswal Mutual Fund	6	0.11%	-	7.9
Quantum Mutual Fund	2	1.50%	-0.08%	7.3
Edelweiss Mutual Fund	4	0.22%	-	5.7
The Wealth Company Mutual Fund	2	1.89%	-	2
Jio BlackRock Mutual Fund	1	0.28%	-	0.9
Groww Mutual Fund	4	0.16%	-	0.9
Kotak Mahindra Mutual Fund	2	0.29%	+0.01%	0.4
Axis Mutual Fund	2	0.03%	-	0.1
Navi Mutual Fund	4	0.08%	-	0.1
DSP Mutual Fund	4	0.14%	-	0
Angel One Mutual Fund	2	0.02%	-	0
Mirae Asset Mutual Fund	2	0.02%	-	0
Zerodha Mutual Fund	1	0.15%	+0.01%	0

Aavas Financiers Limited

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