Aavas Financiers Q4FY26: PAT Rises 18% YoY to ₹1.82 bn, AUM Grows 15% to ₹235 bn
Aavas Financiers reported Q4 FY26 Net Profit of ₹1.82 billion, up 18% YoY. AUM grew 15% to ₹235 billion. Disbursements were ₹23.5 billion in Q4 FY26. The company secured ₹975 crore NCDs and issued ₹500 million PTC securities. Credit costs are guided to remain below 25 bps.
The announcement includes key financial results (profit, AUM, NIM), operational performance (disbursements, asset quality), significant fundraising activities, and strategic commentary from the new CEO, all of which are material to investors.
The company reported strong year-on-year growth in net profit and assets under management, along with improved margins and asset quality. Significant fundraising and positive commentary from the new CEO contribute to a positive sentiment.
Aavas Financiers Limited has announced its audited financial results for the quarter and financial year ended March 31, 2026. The company reported a Net Profit of ₹1.82 billion for Q4 FY26, an increase of 18% year-on-year, driven by a robust 17% YoY growth in Net Interest Income (NII).
The Assets Under Management (AUM) grew by 15% YoY to ₹235 billion as of March 31, 2026. Disbursements for Q4 FY26 were ₹23.5 billion, showing a strong 36% sequential growth and 16% YoY growth. The Net Interest Margin (NIM) saw significant expansion, increasing by 44 basis points QoQ to 8.45% in Q4 FY26 and by 29 basis points for the full fiscal year.
The company's spread also expanded by 31 basis points YoY to 5.20%, attributed to a 62 basis points YoY improvement in borrowing costs to 7.62%. Asset quality remained strong, with 1+ days past due (DPD) improving by 63 basis points QoQ to 3.17%, and Gross Stage 3 assets at 1.05%, a 14 bps sequential improvement.
Mr. Manu Singh, the new Chief Executive Officer, commented on the performance, highlighting the company's prudent and disciplined approach. He noted that FY26 marked significant milestones, including the change of promoter to CVC Capital Partners, expansion into Tamil Nadu, and crossing ₹200 billion in balance sheet size and ₹50 billion in Net Worth. Lifetime disbursements crossed ₹400 billion, enabling 4 lakh customers to achieve homeownership. The company also secured a commitment of approximately ₹975 crore (~$108 million) from a multilateral financial institution and successfully issued ₹500 million of AAA-rated PTC securities.
During the quarter, Aavas Financiers expanded its network by adding 31 branches, bringing the total to 435 branches across 15 states, with a focus on growth markets like Tamil Nadu, Uttar Pradesh, and Gujarat. The company reiterated its guidance to keep credit costs below 25 basis points on a sustainable basis.
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Aavas Financiers Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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