Aavas Financiers Q4FY26 Results: PAT Rises 18% YoY to ₹182 Cr, NIM Improves
Aavas Financiers reported Q4 FY26 PAT of ₹181.7 Cr, up 18.2% YoY. NIM improved to 8.45% QoQ and 7.93% for FY26. Disbursements grew 16% YoY to ₹2,348 Cr in Q4 FY26. AUM reached ₹23,451 Cr. GNPA was 1.05% and NNPA at 0.68%. The company added 38 branches in FY26.
The results show significant financial performance improvement, including robust profit growth, margin expansion, and increased disbursements. The company's expansion and strong asset quality metrics indicate positive business momentum, which is material for investors.
The company reported strong year-on-year growth in PAT and NII, along with improved NIM and disbursements. Asset quality remains robust, and the company is expanding its branch network. The change in promoter and balance sheet milestones are also positive indicators.
Aavas Financiers Limited announced its audited financial results for the quarter and financial year ended March 31, 2026. The company reported a Profit After Tax (PAT) of ₹1,816.7 million for Q4 FY26, an increase of 18.2% year-on-year from ₹1,536.8 million in Q4 FY25. Net Interest Income (NII) grew by 18.5% to ₹4,385.4 million.
The Net Interest Margin (NIM) for the quarter improved by 44 basis points sequentially to 8.45%, and for the full year FY26, NIM stood at 7.93%, an expansion of 29 basis points. The Net Interest Spread for FY26 improved by 31 basis points to 5.20%, aided by a 62 basis points reduction in the cost of funds.
Disbursements in Q4 FY26 were ₹23,481 million, up 16% year-on-year and 36% quarter-on-quarter. For the full financial year, disbursements grew by 11% to ₹67,751 million. Assets Under Management (AUM) crossed ₹234.5 billion as of March 31, 2026.
The company maintained strong asset quality, with Gross Non-Performing Assets (GNPA) at 1.05% and Net Non-Performing Assets (NNPA) at 0.68% as of March 31, 2026. The 1+ day past due (1+DPD) stood at 3.17%, improving by 63 basis points QoQ. Credit cost remained well-contained at 13 basis points in Q4 FY26 and 17 basis points for FY26.
During FY26, Aavas Financiers added 38 branches, taking the total network to 435 branches across 15 states and Union Territories. The company also highlighted a change in promoter with the welcoming of CVC Capital Partners and significant balance sheet growth, crossing ₹200 billion in AUM and ₹50 billion in Net Worth.
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