| Metric | Value (₹ Cr) | Q3 FY26 | Q4 FY25 |
|---|---|---|---|
| Revenue | 714.68 | 6.0% | 12.3% |
| Total Income | 714.83 | 6.0% | 12.1% |
| Expenditure | 484.07 | 6.3% | 9.0% |
| PBT | 230.76 | 5.2% | 19.4% |
| Net Profit | 181.67 | 6.8% | 18.2% |
| OPM | 72.20% | 2.63pp | 1.12pp |
| NPM | 25.41% | 0.20pp | 1.30pp |
| EPS | 22.94 | 6.8% | 18.1% |
AAVAS Financiers FY26: PAT Up 14% YoY to ₹6.56 Bn
05 May 2026 · 5 May, 5:11 pm
Summary
Aavas Financiers Limited delivered a strong financial performance for Q4 and the full Financial Year ended March 31, 2026. The company's Assets under Management (AuM) expanded by 15% year-on-year to ₹234.52 billion. Net Profit for Q4 FY26 surged by 18% year-on-year to ₹1.82 billion, culminating in a 14% growth in full-year FY26 Net Profit to ₹6.56 billion, primarily fueled by robust Net Interest Income. This period also saw an expansion in Net Interest Margin (NIM) to 8.45% in Q4 FY26 and maintained strong asset quality with 1+ DPD at 3.17%. CEO Manu Singh emphasized a commitment to prudent, credit-first growth, highlighting key milestones like crossing ₹400 billion in lifetime disbursements and welcoming CVC Capital Partners as a new promoter.
Key Highlights
- 1
Aavas Financiers Limited's Assets under Management (AuM) grew by a robust 15% year-on-year, reaching ₹234.52 billion as of March 31, 2026.
- 2
The company reported a Net Profit of ₹1.82 billion for Q4 FY26, marking an 18% year-on-year increase, contributing to a full-year FY26 Net Profit of ₹6.56 billion, up 14% year-on-year.
- 3
Disbursements during Q4 FY26 were strong at ₹23.48 billion, demonstrating a significant 36% sequential growth.
- 4
Net Interest Margin (NIM) expanded by 44 basis points quarter-on-quarter to 8.45% in Q4 FY26, with the full-year NIM at 7.93% and a spread of 5.20% for FY26.
- 5
Asset quality remained pristine, with 1+ DPD improving by 63 basis points sequentially to 3.17%, and credit costs reduced to 13 basis points for Q4 FY26.
- 6
The company's Net Worth grew steadily by 16% year-on-year to ₹50.51 billion as of March 31, 2026, driven by consistent internal accruals.
- 7
Return on Assets (RoA) improved by 13 bps YoY to 3.50% and Return on Equity (RoE) improved by 38 bps QoQ to 14.67% in Q4 FY26.
Management Comments
Manu Singh
Dear All, Firstly, its is a privilege it is to address all of you for the first time as the Chief Executive Officer of Aavas. I am genuinely grateful to the Board, and to the entire Aavas family for the trust they have placed in me. Aavas has built a reputation for doing things the right way — with prudence, discipline, and a deep sense of responsibility toward the communities we serve. With that in mind, we will continue to grow with purpose, keeping a credit first approach. I look forward to working closely with our leadership team and interacting with the investors to unlock the next chapter of Aavas’ journey. FY26 was also a year of landmarks and milestones. During FY26 we saw change of promoter welcoming CVC Capital Partners, expanding our reach to Tamil Nadu, Balance Sheet crossing Rs. 200 billion and Net Worth crossing Rs. 50 bn mark. Now, it brings me great pleasure to deliver the news that the lifetime disbursements by Aavas have cross the Rs 400 billion mark while enabling 4 lakh customers to realize their aspiration for home ownership. Further, our Credit Rating Outlook
Informational and educational content only. Not investment advice.