Aavas Financiers, widely recognized as Aavas, is a leading housing finance company based in Jaipur, India, with a distinctive focus on providing home loans to individuals in rural and semi-urban areas. Since its inception, Aavas has made significant strides in addressing the financial needs of low- and middle-income families, who often face challenges in accessing formal banking services. The company’s primary mission is to facilitate homeownership in regions that are typically underserved by larger financial institutions, thus playing a vital role in improving housing accessibility across the country.
Registered with the National Housing Bank (NHB) as a Housing Finance Company, Aavas was granted its operational license in August 2011. Over the years, it has built a strong reputation for its customer-centric approach, offering customized loan products designed to meet the specific needs of its clientele. Aavas’s commitment to financial inclusion is evident in its extensive network, which spans across rural and semi-urban locations, enabling it to reach a broad customer base that includes first-time homebuyers and individuals from diverse economic backgrounds. The company’s growth trajectory reflects its dedication to empowering communities by providing them with the financial means to secure their own homes, thereby contributing to the overall development and upliftment of these regions.
History of AAVAS Financiers Ltd
Aavas Financiers Limited, established in February 2011 and operational since March 2012, is a housing finance company focused on providing home loans in rural and semi-urban areas of India. Initially operating under a different name, the company rebranded to “Aavas Financiers Limited” in March 2017 and is currently led by Sachinder Bhinder as MD and CEO. After launching its IPO in October 2018, Aavas attracted significant investments, including ₹200 crore from CDC Group and ₹345 crore from the International Finance Corporation in 2019. In March 2020, Aavas secured a $60 million loan from the Asian Development Bank to support women in lower-income groups and later partnered with IFC to promote Green Housing initiatives. By September 2023, Aavas had expanded to 350 branches across 13 states in India, highlighting its rapid growth in the housing finance sector.
Latest news about Aavas Financiers Limited
The latest development regarding Aavas Financiers involves a major acquisition plan by CVC Capital Partners. The firm has announced its intention to acquire a majority stake in Aavas Financiers by purchasing a 26.47% shareholding from existing promoters at ₹1,635 per share. Additionally, CVC Capital Partners will make an open offer to acquire a further 26% stake at ₹1,767 per share. This acquisition deal values Aavas Financiers at approximately ₹13,019 crore, marking a significant transaction in the housing finance sector.
Below are the trading platforms that you can use to purchase AAVAS Financiers Ltd shares:
➤ Zerodha
➤ Upstox
➤ Groww
➤ AngelOne
➤ ICICIDirect
| When | Maximum Price | Minimum Price |
| August 2024 | 1,760.15 | 1,530.57 |
| September 2024 | 1,830.56 | 1,591.79 |
| October 2024 | 1,794.67 | 1,560.58 |
| November 2024 | 1,866.45 | 1,623.00 |
| December 2024 | 1,885.12 | 1,639.23 |
In 2024, AAVAS Financiers Ltd is expected to experience the following monthly price ranges: In August, the stock is projected to reach a maximum of ₹1,760.15 and a minimum of ₹1,530.57. Moving into September, the maximum price is anticipated to be ₹1,830.56, with a minimum of ₹1,591.79. October is forecasted to see a high of ₹1,794.67 and a low of ₹1,560.58. November should see the stock peak at ₹1,866.45 and dip to ₹1,623.00. Finally, in December, AAVAS Financiers Ltd is expected to reach a maximum of ₹1,885.12 and a minimum of ₹1,639.23.
| When | Maximum Price | Minimum Price |
| January 2025 | 1,903.97 | 1,464.59 |
| February 2025 | 1,923.20 | 1,479.39 |
| March 2025 | 1,963.59 | 1,510.45 |
| April 2025 | 1,944.15 | 1,495.50 |
| May 2025 | 1,887.52 | 1,451.94 |
| June 2025 | 1,972.46 | 1,517.28 |
| July 2025 | 1,933.78 | 1,487.53 |
| August 2025 | 1,993.59 | 1,533.53 |
| September 2025 | 2,017.51 | 1,551.93 |
| October 2025 | 2,069.97 | 1,592.28 |
| November 2025 | 2,121.72 | 1,632.09 |
| December 2025 | 2,217.20 | 1,705.54 |
In 2025, AAVAS Financiers Ltd is expected to see its stock prices range from ₹1,903.97 to ₹1,464.59 in January. By December, the maximum price could rise to ₹2,217.20, with a minimum of ₹1,705.54. Throughout the year, prices are anticipated to fluctuate.
| When | Maximum Price | Minimum Price |
| January 2026 | 2,283.71 | 1,756.70 |
| February 2026 | 2,226.62 | 1,712.78 |
| March 2026 | 2,271.15 | 1,747.04 |
| April 2026 | 2,317.50 | 1,782.69 |
| May 2026 | 2,294.56 | 1,765.04 |
| June 2026 | 2,351.92 | 1,809.17 |
| July 2026 | 2,305.80 | 1,773.70 |
| August 2026 | 2,377.12 | 1,828.55 |
| September 2026 | 2,424.66 | 1,865.12 |
| October 2026 | 2,487.70 | 1,913.62 |
| November 2026 | 2,549.89 | 1,961.46 |
| December 2026 | 2,613.64 | 2,010.49 |
| When | Maximum Price | Minimum Price |
| January 2027 | 2,639.78 | 2,030.60 |
| February 2027 | 2,707.46 | 2,082.67 |
| March 2027 | 2,813.06 | 2,163.89 |
| April 2027 | 2,757.90 | 2,121.46 |
| May 2027 | 2,677.57 | 2,059.67 |
| June 2027 | 2,798.06 | 2,152.36 |
| July 2027 | 2,743.20 | 2,110.15 |
| August 2027 | 2,828.04 | 2,175.41 |
| September 2027 | 2,927.02 | 2,251.55 |
| October 2027 | 3,003.12 | 2,310.09 |
| November 2027 | 3,078.20 | 2,367.85 |
| December 2027 | 3,155.16 | 2,427.04 |
| When | Maximum Price | Minimum Price |
| January 2028 | 3,218.26 | 2,475.58 |
| February 2028 | 3,300.78 | 2,539.06 |
| March 2028 | 3,429.51 | 2,638.08 |
| April 2028 | 3,362.26 | 2,586.36 |
| May 2028 | 3,264.33 | 2,511.03 |
| June 2028 | 3,411.23 | 2,624.02 |
| July 2028 | 3,344.34 | 2,572.57 |
| August 2028 | 3,447.77 | 2,652.13 |
| September 2028 | 3,568.45 | 2,744.96 |
| October 2028 | 3,661.23 | 2,816.33 |
| November 2028 | 3,752.76 | 2,886.74 |
| December 2028 | 3,846.58 | 2,958.90 |
| When | Maximum Price | Minimum Price |
| January 2029 | 3,923.51 | 3,018.08 |
| February 2029 | 4,024.11 | 3,095.47 |
| March 2029 | 4,181.05 | 3,216.19 |
| April 2029 | 4,099.07 | 3,153.13 |
| May 2029 | 3,979.68 | 3,061.29 |
| June 2029 | 4,158.76 | 3,199.05 |
| July 2029 | 4,077.22 | 3,136.32 |
| August 2029 | 4,203.32 | 3,233.32 |
| September 2029 | 4,350.44 | 3,346.49 |
| October 2029 | 4,463.55 | 3,433.50 |
| November 2029 | 4,575.14 | 3,519.34 |
| December 2029 | 4,689.51 | 3,607.32 |
| When | Maximum Price | Minimum Price |
| January 2030 | 4,783.30 | 3,679.47 |
| February 2030 | 4,905.95 | 3,773.81 |
| March 2030 | 5,097.29 | 3,920.99 |
| April 2030 | 4,997.34 | 3,844.11 |
| May 2030 | 4,851.79 | 3,732.14 |
| June 2030 | 5,070.12 | 3,900.09 |
| July 2030 | 4,970.70 | 3,823.62 |
| August 2030 | 5,124.43 | 3,941.87 |
| September 2030 | 5,303.79 | 4,079.84 |
| October 2030 | 5,441.69 | 4,185.91 |
| November 2030 | 5,577.73 | 4,290.56 |
| December 2030 | 5,717.17 | 4,397.83 |
In 2030, AAVAS Financiers Ltd is expected to experience a range of stock prices, starting at a maximum of ₹4,783.30 and a minimum of ₹3,679.47 in January. By December, the maximum price is anticipated to reach ₹5,717.17, while the minimum could be ₹4,397.83.
Financial Condition of AAVAS Financiers Ltd: Last 5 Years
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM | |
| Revenue | 902 | 1,103 | 1,304 | 1,608 | 2,018 | 2,093 |
| Interest | 356 | 458 | 478 | 591 | 828 | 877 |
| Expenses + | 225 | 273 | 349 | 441 | 535 | 540 |
| Financing Profit | 321 | 372 | 477 | 576 | 654 | 676 |
| Financing Margin % | 36% | 34% | 37% | 36% | 32% | 32% |
| Other Income + | 1 | 2 | 1 | 2 | 3 | 3 |
| Depreciation | 20 | 21 | 24 | 29 | 33 | 34 |
| Profit before tax | 302 | 353 | 455 | 549 | 624 | 645 |
| Tax % | 18% | 18% | 22% | 22% | 21% | |
| Net Profit + | 249 | 290 | 357 | 430 | 491 | 507 |
| EPS in Rs | 31.81 | 36.88 | 45.2 | 54.41 | 62 | 64.07 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
Over the past five years, Aavas Financiers has exhibited notable financial performance and growth. For the fiscal year ending March 2020, the company reported a revenue of ₹902 crore, which increased steadily to ₹2,018 crore by March 2024. This growth trajectory reflects Aavas’ successful expansion and enhanced market presence.
Interest expenses rose from ₹356 crore in March 2020 to ₹828 crore in March 2024, highlighting the company’s increased borrowing costs aligned with its expanding operations. Alongside, total expenses increased from ₹225 crore to ₹535 crore. Despite these rising costs, the financing profit grew from ₹321 crore to ₹654 crore, with a slight dip in the financing margin percentage from 36% to 32%, indicating a robust yet slightly pressured profitability due to higher expenses.
Other income has remained modest, growing from ₹1 crore to ₹3 crore. Depreciation increased from ₹20 crore to ₹33 crore, reflecting higher asset values and investments. The profit before tax saw a steady rise from ₹302 crore to ₹624 crore, while the net profit grew from ₹249 crore to ₹491 crore, supported by a strong EPS that increased from ₹31.81 to ₹62.
However, there has been no dividend payout during these years, possibly indicating a focus on reinvestment or other strategic uses of profits. The trailing twelve-month (TTM) figures suggest consistent performance with slight increases in revenue and profit margins, reinforcing Aavas’ solid financial standing and operational efficiency.
FAQs
What is Aavas Financiers’s current market capitalization?
Aavas Financiers’s current market capitalization stands at ₹13,735 crore.
Aavas Financiers’s projected share price targets for 2025 range from a minimum of ₹1,487.53 to a maximum of ₹2,217.20.
Aavas Financiers’s projected share price targets for 2030 range from a maximum of ₹5,717.17 to a minimum of ₹3,679.47.
What is Aavas Financiers’s current Price-to-Earnings (P/E) ratio?
Aavas Financiers’s current stock P/E ratio is 27.1.
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Conclusion
In conclusion, Aavas Financiers Ltd has demonstrated impressive financial growth over the past five years, with revenue surging from ₹902 crore in March 2020 to ₹2,018 crore in March 2024. The company’s financing profit increased from ₹321 crore to ₹654 crore, and net profit rose from ₹249 crore to ₹491 crore, reflecting robust operational performance. Despite rising expenses and interest costs, Aavas has managed to maintain strong profitability, with an EPS climbing from ₹31.81 to ₹62. With projected share prices ranging from ₹1,487.53 to ₹2,217.20 in 2025 and up to ₹5,717.17 by 2030, alongside a current P/E ratio of 27.1, Aavas Financiers is well-positioned for sustained success and value creation.
What did we learn?
- 1 History of AAVAS Financiers Ltd
- 2 Latest news about Aavas Financiers Limited
- 3 How to Purchase AAVAS Financiers Ltd Shares?
- 4 AAVAS Financiers Ltd Share Price Target 2024 – 2030
- 4.1 AAVAS Financiers Ltd Share Price Target 2024
- 4.2 AAVAS Financiers Ltd Share Price Prediction 2025
- 4.3 AAVAS Financiers Ltd Share Price Target 2026
- 4.4 AAVAS Financiers Ltd Share Price Target 2027
- 4.5 AAVAS Financiers Ltd Share Price Prediction 2028
- 4.6 AAVAS Financiers Ltd Share Price Target 2029
- 4.7 AAVAS Financiers Ltd Share Price Target 2030
- 5 Financial Condition of AAVAS Financiers Ltd: Last 5 Years
- 6 FAQs
- 7 Conclusion
