AAVAS

Jaipur, India Founded: 2011 • Age: 15 yrs Listed
Provider of housing finance and home loan services
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About AAVAS

AAVAS is a publicly listed company based in Jaipur (India) founded in 2011 by Ghanshyam Rawat. Provider of housing finance and home loan services. AAVAS has raised $114.11 million across 7 funding rounds from investors including International Finance Corporation, Partners Group and British International Investment. The company has 7,230 employees. AAVAS was last valued at $497.54 million in March 2018. Its chief executive, as recorded, is Sachinder Bhinder. Its website aavas.in draws about 62 thousand monthly visits. Its Indian entity Aavas Financiers Limited reported revenue of ₹2,685 Cr. AAVAS offers products and services including Home Loan, MSME Business Loan, Loan Against Property, Home Improvement Loan, and Home Construction Loan. Its focus areas include Consumer and SME Loans, Consumer Loans and Home Loans. Its competitors include India Shelter Finance Corporation, HDFC and Ummeed Housing Finance; 2 of its 3 listed competitors have raised funding.

Company details

Aavas was founded in 2011 in Jaipur, India, within the housing finance sector. Home construction loans, home improvement loans, loans against property, and MSME business loans are offered. Operations target customers frequently excluded by traditional banks, especially those without formal income documentation like IT returns or salary slips. Services are delivered across India to support affordable housing needs.

Recognitions & Rankings of AAVAS

India's Most Valuable Companies 2024 edition · Source: Hurun India
Rank#395
Valuation
₹13,150 Cr
2023 #322 2022 #233 2021 #185
  • Headquarters Jaipur, India
  • Employees 7,230
  • Founders Ghanshyam Rawat
  • Stage Public
  • Sectors
    Financial Services
  • Email
    ••••••••
  • Phone
    •••• ••••
  • Website aavas.in
  • Social LinkedIn X Facebook Instagram YouTube
  • Legal Name Aavas Financiers Ltd.
Operational Areas
Financial Services → Consumer and SME Loans
Key Metrics
  • Market Cap
    ₹8,994 Cr

    AAVAS · NSE

  • Share Price
    ₹1,137.70

    +0.31% today

  • Revenue
    ₹2,018 Cr

    FY 2023-24 · +25.4% YoY

  • EBITDA
    ₹1,484 Cr

    Margin 73.5%

  • Net Profit
    ₹490 Cr

    FY 2023-24 · +14.2% YoY

  • P/E (TTM)
    18.2x

    P/B 2.4x

  • ROE
    13.9%

    ROCE 9.9%

  • Debt / Equity
    3.16

    Interest cover 57.1x

  • Total Equity Funding
    $114.11M (USD)

    in 7 rounds

  • Latest Funding Round
    $50M (USD), Post-IPO

    Mar 2022

  • Investors
    International Finance Corporation

    & 8 more

  • Employee Count
    7,230

Products & Services of AAVAS

AAVAS offers a comprehensive portfolio of products and services, including Home Loan, MSME Business Loan, Loan Against Property, Home Improvement Loan, and Home Construction Loan.

Home Loan
Housing Finance

Loan for purchasing or constructing a home.

MSME Business Loan
Business Finance

Loan to support expansion of small and medium enterprises.

Loan Against Property
Property Finance

Loan using property as collateral for various needs.

Home Improvement Loan
Housing Finance

Loan for renovating or improving existing homes.

Home Construction Loan
Housing Finance

Loan for building new homes on purchased land.

Apps and channels of AAVAS

AAVAS publishes 1 mobile app with over 500K+ downloads; its YouTube channel Aavas Financiers Ltd has 5.53K subscribers and 30 videos.

Aavas Loan - Home & MSME Loan
Google Play Finance Everyone Free 500K+ downloads
Developer: Aavas Financiers Ltd.
View on Google Play
Aavas Financiers Ltd
YouTube 5.53K subscribers 30 videos Nonprofits & Activism
Open channel

Videos from AAVAS

The most watched videos on AAVAS's YouTube channel, Aavas Financiers Ltd (5.53K subscribers). Click a video to play it here.

Mamta Devi - Customer Testimonial | Aavas Financiers
2.5M views
Choti Si Asha by Aavas Financiers
1.8M views
A Tribute to the Mother by Aavas Financiers
1.6M views
Pushpa Devi - Customer Testimonial | Aavas Financiers
1.3M views

More on Aavas Financiers Ltd.

Funding Insights of AAVAS

AAVAS has successfully raised a total of $114.11M across 7 strategic funding rounds. The most recent funding activity was a Post-IPO round of $50 million completed in March 2022. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.

  • Total Funding $114.11M
  • Total Rounds 7
  • Last Round Post-IPO — $50M
  • First Round $32.55M

    (Jun 2016)

  • Investors Count 9

All 7 funding rounds of AAVAS with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.

DateAmountTransaction NameValuationLead InvestorsInvestors
Mar 2022$50MPost-IPO––
British International Investment
Sep 2019$48.17MDebt – Conventional––
IFC
Dec 2018$28.48MPost-IPO––
British International Investment
Mar 2018$66.43MPrivate Equity Round$497.54MPartners Group, Kedaara
Vivek Vig, K R Kamath
Jul 2017$20.18MDebt – Conventional––
IFC
Mar 2017$15.13MSeries B–Kedaara
Partners Group
Jun 2016$32.55MPrivate Equity Round$173.18MPartners Group, Kedaara
Sunku Ram Naresh, Ghanshyam Rawat
Valuation history
DateValuationStage
Mar 2018$497.54M••••••••
Jun 2016$173.18M••••••••

Last known valuation $497.54M (Mar 2018). 9 investors in total: 4 institutional and 5 angel.

Investors in AAVAS

AAVAS has secured backing from 9 investors, including venture fund and angel investors. Prominent investors backing the company include International Finance Corporation, Partners Group and British International Investment.

All
Venture Fund
Angel
InvestorDescriptionFounded YearDomainLocation
British International Investment
Government agency focused on small and medium-sized businesses
1948bii.co.ukLondon, United Kingdom
International Finance Corporation
IFC is focused on private sector development in emerging markets.
1956ifc.org
Partners Group
Private equity funds are managed across multiple sectors globally.
1996partnersgroup.comBaar, Switzerland
Kedaara
Private equity firm focused on growth companies
kedaara.comEbene City, Mauritius

Vivek Vig

Angel investor, ex-banker, founder of Destimoney, active in Indian startup ecosystem
unknown_24703b32ccbf4c709

K R Kamath

unknown_3179305ad8854f709

Sunku Ram Naresh

unknown_41908849b3a94fc6a

Ghanshyam Rawat

Co-founder of MyDala, active angel investor in Indian startups
unknown_26e2ac525206405aa

Ashutosh Atre

unknown_9f7565d286124e0db
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Investor details for AAVAS

The complete investor list, round-by-round participation and investor portfolios require an active premium plan.

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  • Round participation
  • Investor portfolios
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Board of directors of Aavas Financiers Limited (AAVAS)

Aavas Financiers Limited is the primary company behind AAVAS. The boards of the 2 registered companies of AAVAS currently have 12 directors; the longest-serving is Manas Tandon, appointed in 2017. 21 earlier directors have ceased.

DirectorDesignationAppointedTenureEntity
Manas Tandon
DIN 05254602
Director30 Nov 20178 yrs 11 moAavas Finserv Limited
Ghanshyam Rawat
DIN 08006742
Director30 Nov 20178 yrs 11 moAavas Finserv Limited
Nishant Sharma
DIN 03117012
Director30 Nov 20178 yrs 11 moAavas Finserv Limited
Soumya Rajan
DIN 03579199
Director29 Aug 20197 yrs 2 moAavas Financiers Limited
Neha Sureka
DIN 10759936
Nominee Director30 Jun 20251 yr 4 moAavas Financiers Limited
Siddharth Tapaswin Patel
DIN 07803802
Nominee Director30 Jun 20251 yr 4 moAavas Financiers Limited
Nikhil Omprakash Gahrotra
DIN 01277756
Nominee Director30 Jun 20251 yr 4 moAavas Financiers Limited
Rohit Ranjan
DIN 00003480
Nominee Director15 Oct 20251 yrAavas Financiers Limited
Vivek Anant Karve
DIN 06840707
Director23 Jun 20264 moAavas Financiers Limited
Vellur Gopalaraghavan Kannan
DIN 03443982
Director01 Aug 20263 moAavas Financiers Limited
Sanjeev Srinivasan
DIN 07644073
Additional Director19 Sep 20261 moAavas Financiers Limited
Manu Yeshpal Singh
DIN 11687234
Managing Director19 Sep 20261 moAavas Financiers Limited

People of AAVAS

140 people are tracked at AAVAS (55 in leadership, 6 in board & advisors, 79 in team); the tracked headcount is 7,230.

NameRoleGroup
Ghanshyam Rawat
Co-FounderLeadership
Sachinder Bhinder
CEO & Managing DirectorLeadership
Ramdayal Ray
Chief ManagerLeadership
Ravi Barot
Branch HeadLeadership
Ripudaman Bandral
Chief Credit OfficerLeadership
Jijy Oommen
Chief Technology OfficerLeadership
Ashutosh Atre
Chief Risk officerLeadership
Manish Kumawat
Chief ManagerLeadership
Rajaram Balasubramaniam
Chief Strategy Officer & Head of AnalyticsLeadership
R Venkatesh
Head of Internal AuditLeadership
Anshul Bhargava
Chief People Officer, Human ResourceLeadership
Kaushal Shrimali
Branch HeadLeadership
Selvin Uthaman
Chief Business OfficerLeadership
Nitesh Verma
Branch HeadLeadership
Ca Gaurav Vijayvargiya
Deputy Vice President - Credit & RiskLeadership
Brijesh Kumar
Chief Manager - DigitalLeadership
D Shravan Kumar
Chief Manager II - Data ScienceLeadership
Vikas Ahuja
Senior Vice President- CreditLeadership
Sachin Khanna
Deputy Vice President Strategic Initiatives Product And DistributionLeadership
Himanshu Goyal
Branch HeadLeadership

120 more people are available in the full profile.

Premium access

Complete people profiles for AAVAS

Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.

  • Full employee list
  • Team structure
  • Board tenure
  • Professional contacts

Verified entity values are shown only after access is granted.

IPO & Listings of AAVAS

AAVAS is a publicly listed company on the NSE with ticker symbol AAVAS in India, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.

  • IPO date12 Oct 2018
  • Listed onBSE: 541988
  • Listed entityAavas Financiers Ltd.
  • Exchange sectorFinance
  • ISININE216P01012
  • Share price₹1,219.40 (-0.15% on the day) · 2026-10-14
  • Market capitalisation₹9,718 Cr
  • Price to earnings14.2
  • EPS (diluted, trailing year)₹86.16
  • Volume (last session)69,711

Financials of AAVAS

Exchange-reported figures of Aavas Financiers Limited, the listed company behind AAVAS (NSE: AAVAS).

Financial Highlights

FY 2023-24 · Consolidated
Revenue
₹2,018 Cr
+25.4% YoY
EBITDA
₹1,484 Cr
+27.2% YoY
Profit After Tax
₹490 Cr
+14.2% YoY
Net Worth
₹3,773 Cr
+15.4% YoY
Total Assets
₹16,172 Cr
+22.9% YoY
Total Debt
₹12,398 Cr
+25.4% YoY

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20FY 2018-19FY 2017-18
Income statement
Revenue2,0181,6091,3041,103903710494
Revenue growth+25.4%+23.3%+18.2%+22.3%+27.1%+43.9%-
EBITDA1,4841,166953829677522332
EBITDA margin+73.5%+72.5%+73.0%+75.2%+75.0%+73.5%+67.3%
Profit before tax625548453353302258134
Net profit49042935528924917693.04
Net profit margin+24.3%+26.7%+27.2%+26.2%+27.6%+24.8%+18.9%
EPS (₹)62.0054.3545.0036.8031.8022.5413.45
Balance sheet
Total assets16,17213,15710,8188,7797,4805,4903,952
Net worth3,7733,2702,8062,4012,0981,8371,190
Total debt12,3989,8878,0126,3785,3823,6532,755
Cash & bank1,7981,3931,5461,1251,197684569
Net working capital1,9181,5201,6791,2251,270786601
Cash flow
Cash from operations(1,987)(1,914)(1,135)(1,071)(1,172)(1,276)(933)
Cash from investing(648)186(463)(265)(342)(327)(218)
Cash from financing2,4771,8581,6231,0081,7051,4041,240
ParticularsMar 2024Dec 2023Sep 2023Jun 2023Mar 2023Dec 2022Sep 2022Jun 2022
Revenue546508497467450411395353
Revenue growth (YoY)+21.4%+23.5%+25.8%+32.3%+23.2%---
Other income0.781.190.780.040.710.710.330.09
EBITDA407374368335332294285255
EBITDA margin+74.6%+73.6%+74.0%+71.7%+73.7%+71.5%+72.2%+72.3%
Depreciation9.108.657.637.288.686.906.926.23
Interest222217204187165150141135
Profit before tax177150157141159138138114
Tax34.8833.0935.7031.0131.8430.6530.9125.39
Net profit14211712211012710710789.04
EPS (₹)17.9814.7315.3713.8716.0113.5213.4611.24
MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue2,6832,3552,0181,6081,3041,103902
Revenue growth+14.0%+16.7%+25.4%+23.3%+18.2%+22.3%-
EBITDA1,9771,7731,4831,167955830677
EBITDA margin+73.7%+75.3%+73.5%+72.6%+73.2%+75.2%+75.0%
Profit before tax840733624549455353302
Net profit654574490430357289249
Net profit margin+24.4%+24.4%+24.3%+26.7%+27.4%+26.2%+27.6%
EPS (₹)82.6072.5362.0054.4045.2036.8831.81
Balance sheet
Total assets20,73618,27916,18513,15710,8218,7797,480
Net worth5,0514,3613,7733,2702,8092,4012,098
Total debt15,68613,91812,4129,8878,0126,3785,382
Cash & bank1,8431,5601,7981,3821,5301,1211,192
Net working capital2,0151,7511,9321,5091,6671,2211,266
Cash flow
Cash from operations(1,386)(1,660)(2,001)(1,920)(1,136)(1,071)(1,172)
Cash from investing(117)176(646)196(467)(265)(342)
Cash from financing1,7201,4752,4911,8581,6231,0081,705
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue736709715674667628636597
Revenue growth (YoY)+10.4%+12.9%+12.3%+13.0%+15.2%+15.7%--
Other income0.470.380.150.420.430.371.281.18
Total expenses184185199170170168170142
EBITDA553523516504497459466455
EBITDA margin+75.1%+73.9%+72.2%+74.8%+74.5%+73.2%+73.3%+76.3%
Depreciation12.1711.0511.9511.1110.719.349.799.22
Interest305293273274276271265259
Profit before tax236220231219211179193188
Tax54.0848.8449.1049.2747.2939.8939.5541.97

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 06 Nov 2026
ParticularsMar 2024Dec 2023Sep 2023Jun 2023Mar 2023Dec 2022Sep 2022Jun 2022
Revenue546508497467450411395353
Revenue growth (YoY)+21.4%+23.5%+25.8%+32.3%+23.2%---
Other income0.781.190.780.040.710.710.330.09
EBITDA407374368335332294285255
EBITDA margin+74.6%+73.6%+74.0%+71.7%+73.7%+71.5%+72.2%+72.3%
Depreciation9.108.657.637.288.686.906.926.23
Interest222217204187165150141135
Profit before tax177150157141159138138114
Tax34.8833.0935.7031.0131.8430.6530.9125.39
Net profit14211712211012710710789.04
EPS (₹)17.9814.7315.3713.8716.0113.5213.4611.24
ParticularsFY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20FY 2018-19FY 2017-18
Revenue2,0181,6091,3041,103903710494
Revenue growth+25.4%+23.3%+18.2%+22.3%+27.1%+43.9%-
Other income2.801.841.202.160.801.000.91
Total expenses534442352274226188162
Employee cost356302234173147117112
EBITDA1,4841,166953829677522332
EBITDA margin+73.5%+72.5%+73.0%+75.2%+75.0%+73.5%+67.3%
Depreciation32.6628.7223.7620.6119.569.725.63
Interest828591478458356255193
Profit before tax625548453353302258134
Tax13511997.5163.6352.8981.8241.21
Net profit49042935528924917693.04
Net profit margin+24.3%+26.7%+27.2%+26.2%+27.6%+24.8%+18.9%
EPS (₹)62.0054.3545.0036.8031.8022.5413.45
ParticularsFY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20FY 2018-19FY 2017-18
Equity & liabilities
Share capital79.1479.0678.9478.5078.3278.1169.17
Reserves & surplus3,6943,1912,7272,3222,0201,7591,121
Shareholders' funds (net worth)3,7733,2702,8062,4012,0981,8371,190
Minority interest0.000.000.000.000.000.000.00
Secured loans11,8789,2337,3166,0475,0543,3552,653
Unsecured loans520654696331328298102
Total debt12,3989,8878,0126,3785,3823,6532,755
Total liabilities16,17213,15710,8188,7797,4805,4903,952
Assets
Gross block25418814811899.7143.3829.60
Net block11678.3766.1658.2659.9022.8218.43
Capital work in progress11.2120.372.100.410.710.090.03
Investments18211152.520.000.000.000.00
Inventories0.000.000.000.000.000.000.00
Sundry debtors12.220.000.000.000.000.000.00
Cash & bank balances1,7981,3931,5461,1251,197684569
Loans & advances396331298252219196109
Total current assets2,2061,7241,8431,3771,416880678
Total current liabilities28820316415214593.8876.90
Net working capital1,9181,5201,6791,2251,270786601
Total assets16,17213,15710,8188,7797,4805,4903,952
ParticularsFY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20FY 2018-19FY 2017-18
Opening cash17847.8122.10351160358269
Net cash from operating activities(1,987)(1,914)(1,135)(1,071)(1,172)(1,276)(933)
Net cash from investing activities(648)186(463)(265)(342)(327)(218)
Net cash from financing activities2,4771,8581,6231,0081,7051,4041,240
Net change in cash(157)13025.71(328)191(198)89.89
Closing cash1,7981,3931,5461,1251,197684569
ParticularsFY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20FY 2018-19FY 2017-18
Growth
Sales growth+25.4%+23.3%+18.2%+22.3%+27.1%+43.9%-
EBITDA growth+27.2%+22.4%+14.9%+22.5%+29.7%+57.2%-
PBT growth+14.0%+21.1%+28.4%+16.8%+17.1%+92.1%+9997.0%
Net income growth+14.2%+20.9%+23.0%+16.0%+41.5%+89.2%-
Revenue CAGR (3Y)+22.3%+21.3%+22.5%+30.8%---
EBITDA CAGR (3Y)+21.4%+19.9%+22.2%+35.7%---
Profitability & leverage
Net income margin+24.3%+26.7%+27.2%+26.2%+27.6%+24.8%+18.9%
Return on capital employed+9.9%+9.5%+9.5%+10.0%+10.2%+10.9%+8.3%
Return on net worth+13.9%+14.1%+13.6%+12.8%+12.7%+11.6%+7.8%
Debt / equity3.162.952.762.612.302.122.32
Long-term debt / equity3.142.942.762.602.272.082.27
Interest cover57.0951.9551.4056.6754.1849.8659.15
Efficiency & per share
Fixed asset turnover0.000.000.000.000.000.000.00
Inventory turnover0.000.000.000.000.000.000.00
Debtors turnover0.000.000.000.000.000.000.00
EPS (₹)62.0054.3545.0036.8031.8022.5413.45
Dividend per share (₹)0.000.000.000.000.000.000.00
Book value per share (₹)476.79413.57355.48305.82267.85235.19172.01
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue736709715674667628636597
Revenue growth (YoY)+10.4%+12.9%+12.3%+13.0%+15.2%+15.7%--
Other income0.470.380.150.420.430.371.281.18
Total expenses184185199170170168170142
EBITDA553523516504497459466455
EBITDA margin+75.1%+73.9%+72.2%+74.8%+74.5%+73.2%+73.3%+76.3%
Depreciation12.1711.0511.9511.1110.719.349.799.22
Interest305293273274276271265259
Profit before tax236220231219211179193188
Tax54.0848.8449.1049.2747.2939.8939.5541.97
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue2,6832,3552,0181,6081,3041,103902
Revenue growth+14.0%+16.7%+25.4%+23.3%+18.2%+22.3%-
Other income1.383.912.801.841.202.160.80
Total expenses706582535441349273225
Employee cost470378356301232172147
EBITDA1,9771,7731,4831,167955830677
EBITDA margin+73.7%+75.3%+73.5%+72.6%+73.2%+75.2%+75.0%
Depreciation43.1136.4532.6628.7223.7620.6019.56
Interest1,0951,007828591478458356
Profit before tax840733624549455353302
Tax18615813411998.0663.8352.92
Net profit654574490430357289249
Net profit margin+24.4%+24.4%+24.3%+26.7%+27.4%+26.2%+27.6%
EPS (₹)82.6072.5362.0054.4045.2036.8831.81
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital79.2879.1579.1479.0678.9478.5078.32
Reserves & surplus4,9724,2823,6943,1912,7292,3232,020
Shareholders' funds (net worth)5,0514,3613,7733,2702,8092,4012,098
Secured loans15,12413,43911,8909,2337,3166,0475,054
Unsecured loans561480522654696331328
Total debt15,68613,91812,4129,8878,0126,3785,382
Total liabilities20,73618,27916,18513,15710,8218,7797,480
Assets
Gross block36930325418814811899.70
Net block16913411678.3666.1658.2659.89
Capital work in progress9.2610.4011.2120.372.100.410.71
Investments27123018212367.524.504.50
Inventories0.000.000.000.000.000.000.00
Sundry debtors14.8911.3712.221.220.000.000.00
Cash & bank balances1,8431,5601,7981,3821,5301,1211,192
Loans & advances533444396330301253219
Total current assets2,3912,0152,2061,7121,8311,3741,411
Total current liabilities376264274203164152145
Net working capital2,0151,7511,9321,5091,6671,2211,266
Total assets20,73618,27916,18513,15710,8218,7797,480
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash11.3120.5617742.3121.89350160
Net cash from operating activities(1,386)(1,660)(2,001)(1,920)(1,136)(1,071)(1,172)
Net cash from investing activities(117)176(646)196(467)(265)(342)
Net cash from financing activities1,7201,4752,4911,8581,6231,0081,705
Net change in cash217(9.25)(156)13420.42(328)191
Closing cash1,8431,5601,7981,3821,5301,1211,192
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+14.0%+16.7%+25.4%+23.3%+18.2%+22.3%-
EBITDA growth+11.5%+19.6%+27.1%+22.2%+15.1%+22.6%-
PBT growth+14.7%+17.3%+13.8%+20.7%+28.7%+17.0%+17.2%
Net income growth+14.1%+16.9%+14.1%+20.5%+23.3%+16.2%-
Revenue CAGR (3Y)+18.6%+21.8%+22.3%+21.3%+22.5%+30.8%+43.5%
EBITDA CAGR (3Y)+19.2%+22.9%+21.3%+19.9%+22.3%+35.7%+42.7%
Profitability & leverage
Net income margin+24.4%+24.4%+24.3%+26.7%+27.4%+26.2%+27.6%
Return on capital employed+9.9%+10.1%+9.9%+9.5%+9.5%+10.0%+10.2%
Return on net worth+13.9%+14.1%+13.9%+14.2%+13.7%+12.9%+12.7%
Debt / equity3.153.243.172.942.762.612.30
Long-term debt / equity3.113.213.142.942.762.602.27
Interest cover56.6158.0357.1351.9351.2856.6154.17
Efficiency & per share
Fixed asset turnover0.000.000.000.000.000.000.00
Inventory turnover0.000.000.000.000.000.000.00
Debtors turnover0.000.000.000.000.000.000.00
EPS (₹)82.6072.5362.0054.4045.2036.8831.81
Dividend per share (₹)0.000.000.000.000.000.000.00
Book value per share (₹)637.07550.93476.79413.57355.76305.89267.85

Timeline of AAVAS

5 dated milestones of AAVAS across 11 years, from founding to its latest funding, stage changes and deals.

  1. Founded AAVAS is founded.
  2. Funding First funding round of $32.6M.
  3. Milestone Reaches Minicorn status.
  4. IPO Lists on the stock exchange (IPO).
  5. Funding Latest funding round, Post-IPO, of $50.0M.

Competitors of AAVAS

AAVAS has 3 listed competitors in our database, 2 of them funded. They include India Shelter Finance Corporation, HDFC and Ummeed Housing Finance.

Company NameDomainFoundedHQ LocationTotal fundingEmployeesDescription
India Shelter Finance Corporation
indiashelter.in2010Gurugram, India$111.02M3,323
Housing loans are extended to middle-income households in India.
HDFC
hdfc.com1977Mumbai, India213,527
Provider of housing finance solutions
Ummeed Housing Finance
ummeedhfc.com2016Gurugram, India$121.17M1,643
Real estate financing company
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Detailed competitors of AAVAS

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Web traffic of AAVAS

The website of AAVAS (aavas.in) receives about 62.4K visits a month.

  • Monthly visits
    62.4K

    ▼ 3.7% vs previous month

Similar websites

Websites whose visitors overlap most with AAVAS. Affinity shows how closely the audiences match.

WebsiteDomainAudience affinityMonthly visitsGlobal rankProfile
HomeFirst Finance
homefirstindia.com
100%
132.8K#341,723View details
IIFL Home Loans
iiflhomeloans.com
99%
35.9K#825,737View details
Grihashakti
grihashakti.com
97%
25.6K#1,183,720View details
PNB Housing Finance
pnbhousing.com
96%
324.6K#134,641View details
Tata Capital
tatacapital.com
94%
2.8M#25,533View details
••••••••••••••••.com••%•.•M#•••••–
••••••••••••••••.com••%•.•M#•••••–
••••••••••••••••.com••%•.•M#•••••–
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All 40 similar websites and full traffic analytics for AAVAS

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Top companies in Consumer and SME Loans

3 companies that operate in the same segment as AAVAS (Consumer and SME Loans) in India, ranked by their profile score on The Company Check.

CompanyDescriptionFoundedLocationTotal fundingRevenueEmployees
Manappuram Finance
Consumer and SME loans are provided by Manappuram Finance.
1992Valapad, Kerala, IndiaUSD 39.98 MUSD 1.01 B51,650
HomeFirst Finance
Affordable home loans are extended to low and middle-income groups.
2010Mumbai, Maharashtra, IndiaUSD 209.7 MUSD 204.93 M1,634
L & T Finance Holdings
Diversified lending services are provided as a non-banking financial institution.
1994Mumbai, Maharashtra, IndiaUSD 1.9 B167
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Related news about Aavas

AAVAS: Q2 REVENUE 7.36B RUPEES VS 6.67B (YOY)
Exchange Update • 12 days ago
AAVAS: Q2 SL NET PROFIT 1.82B RUPEES VS 1.64B (YOY); EST 1.81B
Exchange Update • 12 days ago
Volumes spurt at RHI Magnesita India Ltd counter | Capital Market News - Business Standard
Business Standard • 1 month ago
Aavas Financiers: Approves Manu Yeshpal Singh as New Managing Director
Exchange Update • 1 month ago
Neutral AAVAS Financiers; target of Rs 1435: Motilal Oswal
Moneycontrol • 1 month ago
Broker’s call: Aavas Financiers (Add) - The HinduBusinessLine
Thehindubusinessline • 1 month ago
Volumes soar at Elgi Equipments Ltd counter | Capital Market News - Business Standard
Business Standard • 2 months ago
Aadhar Housing, Aavas Financiers, Home First, India Shelter shares: Check target prices - BusinessToday
Business Today • 2 months ago
Neutral AAVAS Financiers; target of Rs 891: Motilal Oswal
Moneycontrol • 3 months ago
Buy Aavas Financiers; target of Rs 1750: ICICI Securities
Moneycontrol • 3 months ago
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Frequently Asked Questions about AAVAS

AAVAS was founded in 2011 and raised its 1st funding round 5 years after it was founded.

AAVAS is headquartered in Jaipur, India. It is registered at Jaipur, Rajasthan, India.

Sachinder Bhinder is the CEO of AAVAS, as recorded in our data.

AAVAS is a funded company, having raised a total of $114.11M across 7 funding rounds to date. The company's 1st funding round was a Private Equity Round of $32.55M, raised on Jun 2016.

AAVAS has 7,230 employees.

The primary company behind AAVAS, Aavas Financiers Limited, reported revenue of ₹2,685 Cr for FY 2026, up 14% year on year.

Aavas was founded in 2011 in Jaipur, India, within the housing finance sector. Home construction loans, home improvement loans, loans against property, and MSME business loans are offered. Operations target customers frequently excluded by traditional banks, especially those without formal income documentation like IT returns or salary slips. Services are delivered across India to support affordable housing needs.

AAVAS's top competitors include India Shelter Finance Corporation, HDFC and Ummeed Housing Finance.

AAVAS offers Home Loan, MSME Business Loan, Loan Against Property, Home Improvement Loan, and Home Construction Loan.

Yes, AAVAS is publicly traded on NSE under the ticker symbol AAVAS.

AAVAS has 9 investors. Key investors include International Finance Corporation, Partners Group, British International Investment, Kedaara, and Vivek Vig.

The valuation of AAVAS is $497.54M as of Mar 2018.

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