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NSE Close — 25 Sep 2026
₹1,267.7
Change
+11.3 (0.9%)
Open
₹1,246.1
Prev. Close
₹1,256.4
Day High
₹1,277.2
Day Low
₹1,242.7
Volume Analysis
Traded
49,117
Delivered
28,788
Delivery %
58.61%
End-of-day NSE price via the official Bhavcopy — updated once daily after market close, not a live tick.
Strengths, Weaknesses, Opportunities & Threats
Strengths (1)
- •Promoter holding is rising
Weaknesses (1)
- •High debt-to-equity ratio (3.29)
Opportunities (1)
- •Strong 3-year EPS growth (19.0%)
Threats (1)
- •FII holding has been falling
Rule-based signals from the fundamentals below — not investment advice.
Pivot Levels
| Type | R3 | R2 | R1 | Pivot | S1 | S2 | S3 |
|---|---|---|---|---|---|---|---|
| Classic | ₹1,316.86 | ₹1,297.03 | ₹1,282.36 | ₹1,262.53 | ₹1,247.86 | ₹1,228.03 | ₹1,213.36 |
| Fibonacci | ₹1,297.03 | ₹1,283.85 | ₹1,275.71 | ₹1,262.53 | ₹1,249.35 | ₹1,241.21 | ₹1,228.03 |
| Camarilla | ₹1,277.19 | ₹1,274.03 | ₹1,270.86 | ₹1,262.53 | ₹1,264.54 | ₹1,261.38 | ₹1,258.21 |
Support/resistance levels for today, calculated from the previous trading day's high/low/close.
Absolute Returns
YTD
-13.12%
1 Week
-4.05%
1 Month
-0.61%
3 Months
-16.64%
6 Months
+11.77%
1 Year
-19.5%
2Y/3Y/5Y not shown yet — price history tracking only goes back to mid-2025 so far.
Stock Vitals
Computed from the latest available annual financials.
Graham Number
₹815.73
Current price is above the Graham Number — Benjamin Graham's estimate of fair value based on earnings and book value.
Company Overview
Sector
Financial Services
Market Cap
₹9,963 Cr
P/E (TTM)
20.3
ROE
13.9%
Book Value
₹477.0
Face Value
₹10.0
Source: Screener.in (Consolidated figures) — data as of 25 Sep 2026. Not investment advice.
TopFund Analysis
Aavas Financiers Limited lands in the middle of the pack on TopFund's composite fundamentals check within the Financial Services sector, at 60/100. The strongest factor is Growth (97/100), while Momentum (28/100) is the weakest area to weigh before deciding. Notably: Promoter holding is rising; high debt-to-equity ratio (3.29). FII holding has been falling.
TopFund Score — Fundamentals Quality
60/100 — AverageData confidence: 72/100 (Moderate Confidence) — based on how complete and how fresh the underlying data is.
As of 27 Sep 2026 · How we calculate this →
Growth
Valuation
Corporate Governance
Momentum
Institutional Ownership
Business Quality
Risk & Volatility
Liquidity
From Screener.in
- +Company has delivered good profit growth of 22.8% CAGR over last 5 years
- +Company's working capital requirements have reduced from 29.3 days to 21.8 days
- −Stock is trading at 2.64 times its book value
- −Though the company is reporting repeated profits, it is not paying out dividend
- −Company has low interest coverage ratio.
- −Company has a low return on equity of 13.9% over last 3 years.
Not investment advice — an automated read of public fundamentals data, for research context only.
Corporate Actions
AAVAS Financiers received a voluntary ESG rating of 69 (Strong) from ESG Risk Assessments and Insights Limited.
AAVAS Financiers appoints Nitin Rughwani as Chief Credit Officer effective September 23, 2026.
NHB levied Rs 1.09 crore penal charges and directed repayment of Rs 12.24 crore refinance facility.
AAVAS updates KMP authorized for materiality disclosures under Regulation 30(5).
Board appointed Manu Yeshpal Singh MD & CEO, appointed Sanjeev Srinivasan director, and noted Anant Jain resignation from September 18, 2026.
Source: BSE regulatory filings, via Screener.in.
Quarterly Results
Last several quarters
| Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 289 | 272 | 325 | 343 | 365 | 353 | 395 | 411 | 450 | 467 | 497 | 508 | 546 |
| Expenses + | 76 | 80 | 86 | 97 | 89 | 98 | 110 | 117 | 118 | 132 | 129 | 134 | 139 |
| Financing Profit | 98 | 79 | 123 | 120 | 153 | 121 | 144 | 144 | 167 | 148 | 164 | 157 | 186 |
| Financing Margin % | 34.0% | 29.0% | 38.0% | 35.0% | 42.0% | 34.0% | 37.0% | 35.0% | 37.0% | 32.0% | 33.0% | 31.0% | 34.0% |
| Other Income + | 2 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 |
| Interest | 115 | 113 | 116 | 125 | 124 | 135 | 141 | 150 | 165 | 187 | 204 | 217 | 222 |
| Depreciation | 5 | 5 | 6 | 6 | 7 | 6 | 7 | 7 | 9 | 7 | 8 | 9 | 9 |
| Profit before tax | 95 | 74 | 118 | 115 | 146 | 114 | 138 | 138 | 159 | 141 | 157 | 150 | 177 |
| Tax % | 8.0% | 20.0% | 22.0% | 23.0% | 21.0% | 22.0% | 22.0% | 22.0% | 20.0% | 22.0% | 23.0% | 22.0% | 20.0% |
| Net Profit + | 87 | 59 | 92 | 89 | 115 | 89 | 107 | 107 | 127 | 110 | 122 | 117 | 142 |
| EPS in Rs | 11 | 8 | 12 | 11 | 15 | 11 | 13 | 14 | 16 | 14 | 15 | 15 | 18 |
| Raw PDF | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — | — | — | 0.73% | — | — | 0.67% |
| Gross NPA % | — | — | — | — | — | — | — | — | — | 1.0% | — | — | 0.94% |
Source: Screener.in — figures in ₹ Crores unless marked %.
Profit & Loss (Yearly)
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|
| Revenue + | 494 | 710 | 903 | 1,103 | 1,304 | 1,609 | 2,018 |
| Expenses + | 162 | 188 | 226 | 274 | 352 | 442 | 534 |
| Financing Profit | 139 | 267 | 321 | 371 | 475 | 575 | 655 |
| Financing Margin % | 28.0% | 38.0% | 36.0% | 34.0% | 36.0% | 36.0% | 32.0% |
| Other Income + | 1 | 1 | 1 | 2 | 1 | 2 | 3 |
| Interest | 193 | 255 | 356 | 458 | 478 | 591 | 828 |
| Depreciation | 6 | 10 | 20 | 21 | 24 | 29 | 33 |
| Profit before tax | 134 | 258 | 302 | 353 | 453 | 548 | 625 |
| Tax % | 31.0% | 32.0% | 18.0% | 18.0% | 22.0% | 22.0% | 22.0% |
| Net Profit + | 93 | 176 | 249 | 289 | 355 | 430 | 491 |
| EPS in Rs | 13 | 23 | 32 | 37 | 45 | 54 | 62 |
| Dividend Payout % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Source: Screener.in — figures in ₹ Crores unless marked %.
Balance Sheet
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|
| Reserves | 1,121 | 1,759 | 2,020 | 2,322 | 2,728 | 3,191 | 3,694 |
| Other Liabilities + | 95 | 137 | 177 | 181 | 199 | 253 | 348 |
| Total Liabilities | 4,040 | 5,627 | 7,657 | 8,959 | 11,017 | 13,410 | 16,519 |
| Fixed Assets + | 18 | 23 | 60 | 58 | 66 | 78 | 116 |
| CWIP | 0 | 0 | 1 | 0 | 2 | 20 | 11 |
| Investments | 0 | 0 | 0 | 0 | 53 | 111 | 182 |
| Other Assets + | 4,022 | 5,604 | 7,596 | 8,901 | 10,897 | 13,200 | 16,210 |
| Total Assets | 4,040 | 5,627 | 7,657 | 8,959 | 11,017 | 13,410 | 16,519 |
| Borrowing | 2,755 | 3,653 | 5,382 | 6,378 | 8,012 | 9,887 | 12,398 |
| Equity Capital | 69 | 78 | 78 | 78 | 79 | 79 | 79 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Cash Flow
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -933 | -1,276 | -1,172 | -1,071 | -1,135 | -1,914 | -1,987 |
| Cash from Investing Activity + | -218 | -327 | -342 | -265 | -463 | 186 | -648 |
| Cash from Financing Activity + | 1,240 | 1,404 | 1,705 | 1,008 | 1,623 | 1,858 | 2,477 |
| Net Cash Flow | 90 | -198 | 191 | -328 | 26 | 130 | -157 |
| CFO/OP | -268 | -231 | -164 | -123 | -111 | -156 | -125 |
| Free Cash Flow | -947 | -1,290 | -1,192 | -1,079 | -1,150 | -1,953 | -2,018 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Shareholding Pattern
Quarter-by-quarter — Promoters, FII, DII & public holding trend
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Public | 11.24% | 13.29% | 14.76% | 13.26% | 12.49% | 13.87% | 33.11% | 9.75% | 11.02% | 12.04% | 12.24% | 12.69% |
| Promoters | 39.11% | 39.1% | 26.47% | 26.47% | 26.47% | 26.47% | 26.47% | 48.96% | 48.96% | 48.95% | 48.88% | 48.88% |
| FII | 35.49% | 32.32% | 34.8% | 35.88% | 35.5% | 33.97% | 29.67% | 29.77% | 25.88% | 24.72% | 16.74% | 16.28% |
| DII | 14.13% | 15.29% | 23.99% | 24.39% | 25.55% | 25.69% | 10.75% | 11.52% | 14.13% | 14.3% | 22.14% | 22.15% |
Source: Screener.in — quarterly shareholding disclosures.
Peers Comparison
Financial Services — ranked by market cap
| Company | Market Cap (Cr) | P/E | P/B | ROE |
|---|---|---|---|---|
| Aavas Financiers Limited (this stock) | 9,963 | 20.3 | 2.63 | 13.9% |
| Indian Energy Exc Ltd | 9,908 | 19.5 | 7.25 | 39.4% |
| Sbfc Finance Limited | 9,855 | 28.5 | 3.02 | 11.6% |
| Tsf Investments Limited | 10,147 | 20.8 | 1.68 | 8.23% |
| IIFL Capital Services Ltd | 10,957 | 19.2 | 3.54 | 16.2% |
| Religare Enter. Ltd. | 8,352 | 169.0 | 2.77 | 3.18% |
| Uti Asset Mngmt Co Ltd | 11,592 | 21.7 | 2.58 | 10.3% |
Which Mutual Funds Hold Aavas Financiers Limited?
Frequently Asked Questions about Aavas Financiers Limited
Aavas Financiers Limited (AAVAS) closed at ₹1,267.7 on NSE on 25 September 2026, up 11.3 (0.9%) from the previous close.
Aavas Financiers Limited trades on the NSE (National Stock Exchange of India) under the symbol AAVAS.
Aavas Financiers Limited has a trailing twelve-month P/E (price-to-earnings) ratio of 20.3.
Aavas Financiers Limited has a dividend yield of 0.0%.
Aavas Financiers Limited's 52-week high is ₹1,775.0 and its 52-week low is ₹1,050.0.
Aavas Financiers Limited has a market capitalisation of ₹9,963 crore.
Aavas Financiers Limited has a TopFund Quality Score of 60/100 (Average), a composite of profitability, balance-sheet health, growth and valuation. This is an analytical score based on public data, not personalized investment advice — see the full breakdown below before deciding.
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