	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Total Revenue	57	106	197	314	490	705	897	1,097	1,299	1,601	2,010	2,346	2,673
Total Operating Expenses	17	25	51	83	161	184	225	251	347	451	536	583	706
Operating Profit	40	82	146	231	329	521	673	846	952	1,150	1,475	1,763	1,968
Operating Margin	70.0	76.8	74.0	73.7	67.2	73.9	74.9	77.1	73.3	71.8	73.3	75.2	73.6
Financing Income/(Expense) - Net	-30	-53	-97	-143	-193	-255	-356	-458	-478	-591	-828	-1,007	-1,095
Profit before Taxes	9	29	49	89	134	258	302	353	453	548	625	733	840
Income Taxes	2	10	17	31	41	82	53	64	98	119	135	158	186
Profit after Tax	7	19	32	58	93	176	249	289	355	430	491	574	655
PAT Margin	12.7	17.9	16.3	18.4	19.0	25.0	27.8	26.3	27.3	26.8	24.4	24.5	24.5
EPS - Basic - ex Extraordinary Items	1.02	2.70	4.53	8.18	13.15	23.66	31.85	36.87	45.10	54.38	62.03	72.54	82.72
EPS - Diluted - ex Extraordinary Items	1.02	2.70	4.53	8.18	13.15	23.10	31.48	36.54	44.81	54.26	61.94	71.97	82.14
EBIT	40	82	146	231	329	521	673	846	952	1,150	1,475	1,763	1,968
EBITDA	40	83	147	234	335	531	692	866	975	1,179	1,507	1,800	2,011
EBITDA Margin	70.7	77.7	74.6	74.6	68.3	75.3	77.1	79.0	75.1	73.6	75.0	76.7	75.2

Balance Sheet

Abridged

Understanding Balance Sheet

Aavas Financiers Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2014 Mar 31	2015 Mar 31	2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	R 2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Property Plant & Equipment - Net	5	5	6	9	15	19	56	55	62	74	85	92	124
Total Assets	418	858	1,711	2,570	4,040	5,627	7,657	8,959	11,017	13,410	16,519	18,618	21,213
Long Term Debt	257	524	1,196	1,866	2,738	3,653	4,724	5,365	6,812	8,502	10,011	11,625	15,686
Total Liabilities	361	756	1,508	1,956	2,850	3,790	5,559	6,558	8,211	10,140	12,746	14,258	16,162
Total Shareholders' Equity	56	101	203	614	1,190	1,837	2,098	2,401	2,806	3,270	3,773	4,361	5,051
Total Equity	56	101	203	614	1,190	1,837	2,098	2,401	2,806	3,270	3,773	4,361	5,051
Total Liabilities & Equity	418	858	1,711	2,570	4,040	5,627	7,657	8,959	11,017	13,410	16,519	18,618	21,213
Total Current Assets	27	62	303	-	-	-	-	-	-	-	-	-	-
Total Current Liabilities	103	223	290	-	-	-	-	-	-	-	-	-	-

Cash Flow

Abridged

Understanding Cash Flow Statement

Aavas Financiers Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	R 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	C 2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	8	23	41	71	142	171	261	348	402	476	499	602	679
Working Capital - Increase/(Decrease)	-229	-385	-638	-662	-1,075	-1,447	-1,433	-1,420	-1,537	-2,390	-2,500	-2,263	-2,065
Net CF from Operating Activities	-220	-362	-596	-591	-933	-1,276	-1,172	-1,071	-1,135	-1,915	-2,001	-1,660	-1,386
Capital Expenditures - Net	4	1	1	7	14	14	19	8	15	38	31	28	31
Net CF from Investing Activities	1	-1	-1	-15	-218	-327	-342	-265	-463	186	-646	176	-117
Stock - Issuance/(Retirement) - Net	20	30	74	309	441	475	5	5	10	8	2	0	1
Debt - LT & ST - Issuance/(Retirement) - Total	204	350	737	336	802	942	1,708	1,004	1,616	1,851	2,489	1,481	1,719
Net Cash Flow from Financing Activities	224	377	811	640	1,240	1,404	1,705	1,008	1,623	1,858	2,491	1,475	1,720
Free Cash Flow to Equity	-20	-13	140	-262	-144	-348	517	-75	465	-102	457	-207	301
Free Operating CF net dividend	-224	-363	-598	-598	-947	-1,290	-1,192	-1,079	-1,151	-1,953	-2,033	-1,690	-1,419
Free Operating CF	-224	-363	-598	-598	-947	-1,290	-1,192	-1,079	-1,151	-1,953	-2,033	-1,690	-1,419

Business Segment Analysis

FY End:

Mar 25

Aavas Financiers Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex

Lending to borrowers (100.0%)₹ 30.07 Cr

Revenue / Sales

Lending to borrowers (100.0%)₹ 2,346.18 Cr

Assets

Lending to borrowers (100.0%)₹ 18,618.47 Cr

Operating Income

Lending to borrowers (100.0%)₹ 1,763.27 Cr

Regional Segment Analysis

Aavas Financiers Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

We don't have enough data to show regional segment analysis for Aavas Financiers Ltd.

Historical Segment Analysis

Track how Aavas Financiers Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31

Lending to borrowers	14	20	8	16	39	33	30

Frequently Asked Questions

What is the revenue of Aavas Financiers Ltd.?

The latest trailing twelve month revenue of Aavas Financiers Ltd. is ₹ 2,673.16 Cr, reflecting a 1-year growth of 13.94% and a 3-year CAGR of 18.63%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Aavas Financiers Ltd.?

The latest trailing twelve month net profit (PAT) of Aavas Financiers Ltd. is ₹ 654.88 Cr, with a 3-year earnings CAGR of 14.82%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Aavas Financiers Ltd.?

The trailing twelve month EBITDA of Aavas Financiers Ltd. is approximately ₹ 1,967.63 Cr (based on an operating margin of 73.61%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Aavas Financiers Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Aavas Financiers Ltd. is 82.14. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Aavas Financiers Ltd.?

The debt-to-equity ratio of Aavas Financiers Ltd. stands at 3.11. The interest coverage ratio is 1.80x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Aavas Financiers Ltd.?

The estimated book value per share of Aavas Financiers Ltd. is 637.01 (derived from a P/B ratio of 2.35 and market price of ₹ 1,499.80), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Aavas Financiers Ltd.?

The trailing twelve month operating cash flow of Aavas Financiers Ltd. is ₹ -1,386.42 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Aavas Financiers Ltd. report consolidated or standalone financials?

Aavas Financiers Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.