CreditBrief

What Aavas Financiers lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹24,801 crore (+5.8% since March).

Aavas FinanciersHousing finance

₹23,452croreAUM on 31 Mar 2026: lent and not yet repaid

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Size among peers6thof 7 housing finance companies on CreditBrief, March 2026
Biggest segment63%HL, latest split (30 Sep 2026)
Share of the combined book3.5%of all housing finance companies on CreditBrief

Chapter 01 · The loan book

₹23,452 crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Aavas Financiers's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from hl down, and you get ₹23,452 crore. By 30 Sep 2026 it was ₹24,801 crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

77%People and households₹19,097 croreHLLAP
23%Businesses₹5,704 croreMSME

Drilling down: what it lends against · 30 Sep 2026

  • HL₹15,625 crore63%
  • MSME₹5,704 crore23%
  • LAP₹3,472 crore14%

Some segments are worked out from the share of the book the lender gives.

The filing states AUM in ₹ million and gives the split only as percentages, so the amounts are worked out.

Sources: Aavas Financiers Investor Presentation Q4 FY26, PDF page 8 ↗ for March 2026; Aavas Financiers Investor Presentation H1 FY27, PDF page 6 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 20% a year since March 2022.

From ₹11,350 crore on 31 March 2022 to ₹23,452 crore on 31 March 2026, and ₹24,801 crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights12 figures from 6 filings · each checked against its pageHow it works
Aavas Financiers · loan book · 31 March 2026₹23,452crore+15% in FY2025-26₹24,801 crore by 30 Sep 2026
  1. 0120%a year since 2022Grew 20% a year from March 2022 to March 2026, faster than 3 of the 6 other housing finance companies with like-for-like figures for those years.
  2. 0215%in FY2025-26Growth slowed to 15% in FY2025-26, from 18% the year before.
  3. 036thamong peersHeld its place as the 6th biggest of these 7 housing finance companies from March 2022 to March 2026.
Branches435+9.6% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · AUM11,35014,16717,31320,42023,45224,801
BranchesNumber314346367397435443

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Aavas Financiers, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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CreditBrief Insightsto you

Aavas Financiers, Q2 FY2026-27: loan book ₹24,801 crore, +5.8% since March

  • ₹24,801 crore lent out by Q2 FY2026-27
  • Biggest segment: HL, 63% of the book
  • Every figure links to page 6 of its filing

Chapter 03 · Among its peers

6th biggest of 7 housing finance companies we cover, March 2026.

At the end of FY2025-26 it held 3.5% of the combined loan book of the housing finance companies on CreditBrief. NBFCs and housing finance companies report assets under management.

  1. 1LIC Housing Finance₹3.21 lakh crore
  2. 2Bajaj Housing Finance₹1.41 lakh crore
  3. 3PNB Housing Finance₹90,921 crore
  4. 4Can Fin Homes₹42,209 crore
  5. 5Aadhar Housing Finance₹30,571 crore
  6. 6Aavas Financiers₹23,452 crore
  7. 7Home First Finance Company₹15,878 crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

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Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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