Aavas Financiers H1FY27: AUM Crosses ₹248 Bn, PAT Grows 16.4%
Aavas Financiers reported H1FY27 results with AUM reaching ₹248 billion, up 16.1% YoY. PAT grew 16.4% YoY to ₹3,521 million. Disbursements were ₹35.1 billion, up 30% YoY. GNPA improved to 1.11% and NNPA to 0.70%. The company aims for sustainable growth with strong governance and disciplined liability management.
The announcement provides a comprehensive update on the company's financial performance, strategic initiatives, and operational highlights, which are crucial for investors and stakeholders in evaluating the company's health and future prospects.
The company reported positive financial results, including growth in AUM and PAT, along with an improvement in asset quality and a stable borrowing cost. Management commentary also indicates a positive outlook and strategic focus on quality growth.
Aavas Financiers Limited has released its investor presentation for the quarter and half-year ended September 30, 2026. The company announced that its Assets Under Management (AUM) have reached ₹248 billion, marking a 16.1% year-on-year growth. Profit After Tax (PAT) saw a 16.4% year-on-year increase.
During the first half of FY27, disbursements amounted to ₹35.1 billion, a 30% year-on-year rise. For the second quarter of FY27, disbursements were close to ₹19 billion, showing a 21% year-on-year growth. The Net Interest Income (NII) grew by 17% year-on-year, supported by robust business growth and improved operating efficiencies, reflected in a 195 basis points year-on-year improvement in the cost-to-income ratio.
The company reported strong liability management, with borrowing costs stable at 7.64%, leading to an 11 basis points quarter-on-quarter improvement in Net Interest Margin (NIM) to 7.81%. Asset quality remained strong, with Gross Non-Performing Assets (GNPA) improving by 13 basis points year-on-year to 1.11% and Net Non-Performing Assets (NNPA) improving by 16 basis points year-on-year to 0.70%.
Aavas Financiers also highlighted its commitment to sustainable housing, having funded over 800 green homes. The company continues to expand its network, with 443 branches across 15 states and Union Territories, serving over 4,45,000 customers.
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