# Aavas Financiers

> Housing finance. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/aavas

## Loan book

- ₹23,452 crore on 31 March 2026, the end of FY2025-26 (AUM).
- ₹24,801 crore on 30 Sep 2026, the latest half-year balance.
- Source: Aavas Financiers Investor Presentation Q4 FY26, PDF page 8: https://nsearchives.nseindia.com/corporate/AAVAS_05052026171451_IPTT.pdf

## Findings

- Grew 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.
- Growth slowed to 15% in FY2025-26, from 18% the year before.
- Held its place as the 6th biggest of these 7 housing finance companies from March 2022 to March 2026.

## What it lends against (30 Sep 2026)

- HL: ₹15,625 crore (63%)
- MSME: ₹5,704 crore (23%)
- LAP: ₹3,472 crore (14%)

Source: Aavas Financiers Investor Presentation H1 FY27, PDF page 6: https://nsearchives.nseindia.com/corporate/AAVAS_26102026175528_merged.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 11,350 | 14,167 | 17,313 | 20,420 | 23,452 | 24,801 |
| Branches (Number) | 314 | 346 | 367 | 397 | 435 | 443 |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "CAGR 141,667 CAGR CAGR 113,502" (Aavas Financiers Investor Presentation Q4 FY24, PDF page 16) https://nsearchives.nseindia.com/corporate/AAVAS_25042024155952_InvestorPPTQ4FY24.pdf
- Loan book, FY2022-23 (31 Mar 2023): "0.92% 0.94% 141,667" (Aavas Financiers Investor Presentation Q4 FY24, PDF page 15) https://nsearchives.nseindia.com/corporate/AAVAS_25042024155952_InvestorPPTQ4FY24.pdf
- Loan book, FY2023-24 (31 Mar 2024): "+22% 11% +2 bps 173,126" (Aavas Financiers Investor Presentation Q4 FY24, PDF page 15) https://nsearchives.nseindia.com/corporate/AAVAS_25042024155952_InvestorPPTQ4FY24.pdf
- Loan book, FY2024-25 (31 Mar 2025): "234,517 67,751 204,202" (Aavas Financiers Investor Presentation Q4 FY26, PDF page 8) https://nsearchives.nseindia.com/corporate/AAVAS_05052026171451_IPTT.pdf
- Loan book, FY2025-26 (31 Mar 2026): "234,517 67,751 204,202" (Aavas Financiers Investor Presentation Q4 FY26, PDF page 8) https://nsearchives.nseindia.com/corporate/AAVAS_05052026171451_IPTT.pdf
- Loan book, 30 Sep 2026: "6,825 248,011" (Aavas Financiers Investor Presentation H1 FY27, PDF page 6) https://nsearchives.nseindia.com/corporate/AAVAS_26102026175528_merged.pdf
- Branches, FY2021-22 (31 Mar 2022): "Retail network of 314 branches" (Aavas Financiers Investor Presentation Q4 FY22, PDF page 4) https://nsearchives.nseindia.com/corporate/AAVAS_05052022161927_InvestorPresentation.pdf
- Branches, FY2022-23 (31 Mar 2023): "Retail network of 346 branches" (Aavas Financiers Investor Presentation Q4 FY23, PDF page 4) https://nsearchives.nseindia.com/corporate/AAVAS_03052023215328_IPsigned.pdf
- Branches, FY2023-24 (31 Mar 2024): "Retail network of 367 branches" (Aavas Financiers Investor Presentation Q4 FY24, PDF page 4) https://nsearchives.nseindia.com/corporate/AAVAS_25042024155952_InvestorPPTQ4FY24.pdf
- Branches, FY2024-25 (31 Mar 2025): "Retail network of 397 branches" (Aavas Financiers Investor Presentation Q4 FY25, PDF page 4) https://nsearchives.nseindia.com/corporate/AAVAS_24042025171012_InvestorPresentation.pdf
- Branches, FY2025-26 (31 Mar 2026): "we added 31 branches in Q4 taking total to 435." (Aavas Financiers Investor Presentation Q4 FY26, PDF page 5) https://nsearchives.nseindia.com/corporate/AAVAS_05052026171451_IPTT.pdf
- Branches, 30 Sep 2026: "We also expanded our network to 443 branch locations." (Aavas Financiers Investor Presentation Q2 FY27, PDF page 5) https://nsearchives.nseindia.com/corporate/AAVAS_26102026175528_merged.pdf

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