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Aavas Financiers Limited (AAVAS) — Financial Results | 21 July 2026(2 announcements)

· NSE 🔴 High Importance Neutral
By StockFin Research Team • AI-Assisted Analysis • Source: BSE/NSE Filings
1 Financial Results 🔴 High Importance Neutral 📄 PDF
📢 Key Event
Aavas Financiers announces Q1 FY27 financial results
🔄 What Changed
PAT grew 23% YoY to ₹1713 crores; operating expense ratio fell 9% YoY; cost-to-income ratio surged 254% YoY to 43.7%; GNPA remained stable at 1.11%
💡 Investor Takeaway
Strong growth in disbursements and PAT, but rising cost-to-income ratio signals increasing operational pressure despite efficiency gains.

Aavas Financiers reported robust Q1 FY27 growth with PAT up 23% YoY to ₹1713 crores, driven by 41% YoY disbursement growth and 15.4% AUM expansion to ₹239.3 crores. Net interest income rose 18% YoY to ₹7.70 crores while operating expenses declined 9% YoY, improving cost efficiency. The company maintained strong asset quality with GNPA at 1.11% and NNPA at 0.71%, though cost-to-income ratio worsened significantly to 43.7% (-254% YoY).

2 Financial Results 🔴 High Importance ✨ Positive 📄 PDF
MetricValue
Revenue₹3,383 Cr
Net Profit (PAT)₹1,713 Cr
📢 Key Event
Aavas Financiers reports Q1FY27 results with 15.4% YoY AUM growth and 23% YoY PAT increase
🔄 What Changed
AUM growth of 15.4% YoY, PAT growth of 23% YoY, NIM expansion of 22 bps YoY, cost-to-income improvement of 254 bps YoY, Net NPA decline of 13 bps YoY, 1+ DPD improvement of 39 bps YoY
🔮 What's Next
The company stated it will continue investing in branch expansion to strengthen and diversify its presence
💡 Investor Takeaway
Strong growth in assets and profits combined with improving efficiency and asset quality supports positive near-term outlook

Aavas Financiers reported Q1FY27 AUM of ₹239 bn (+15.4% YoY) and PAT of ₹1.71 bn (+23% YoY), with NIM expanding to 7.70% (+22 bps) and cost-to-income improving to 43.7% (-254 bps). Net NPA declined to 0.71% (-13 bps) and 1+ DPD to 3.76% (-39 bps), reflecting stronger asset quality and operational efficiency. The company highlighted robust loan disbursement growth of 41% YoY and expanded branch network to 440 locations across 15 states, supporting its growth trajectory and strategic execution focus.

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About Aavas Financiers Limited (AAVAS)

Financial Services · Finance · Listed on NSE

Market Cap: ₹10,004.14 Cr P/E: 20.3 ROE: 13.0% ROCE: 9.0%

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🔥 Also filed on 21 July 2026

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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