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📋 Filing Types Available on ForgeUp Filings Sourced from BSE corporate announcements (equity segment). Companies covered are BSE-listed and most are also listed on NSE. We show only material filings.
Financial Results Orders Dividend Buyback Merger / Acquisition Board Meeting Outcome Fundraise (QIP / Rights / FPO) Regulatory / Court Order Credit Rating Change Promoter Pledge Update Management Change Joint Venture / MOU Delisting Bonus Shares Stock Split
Data sourced from BSE India corporate announcements. More categories will be added over time.
AAVAS Financiers Ltd

AAVAS Financiers H1FY27 Net Profit rose 16.4% to Rs. 3,528 mn

RESULTS ▲ Positive Development LOW RISK
📅 Filed on BSE: 26 Oct 2026, 06:01 PM IST  ·  BSE ID: 2bc0b2b6-a550-4a60-b067-d6a963de7c5c
View Original BSE Filing (PDF)
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In Simple Terms
AAVAS Financiers reported increased profits and loan book growth in the first half of the financial year 2027.
🤖 AI Summary
  • AAVAS Financiers reported H1FY27 Net Profit of Rs. 3,528 mn, a 16.4% YoY increase.
  • Assets under Management (AuM) grew by 16.1% YoY to Rs. 2,48,011 mn as of September 30, 2026.
  • H1FY27 disbursements stood at Rs. 35,051 mn, reflecting a 29.6% YoY growth.
  • Net Interest Income (NII) for H1FY27 increased by 16.7% YoY to Rs. 6,825 mn.
  • Net Non-Performing Assets (NPA) improved by 16 bps YoY to 0.70% in H1FY27.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Disbursements
35,051 Rs. mn
29.6%
Assets under Management (AuM)
2,48,011 Rs. mn
16.1%
Net Interest Income (Rs.)
6,825 Rs. mn
16.7%
Operating Profit (Rs.)
4,819 Rs. mn
17.7%
Net Profit (Rs.)
3,528 Rs. mn
16.4%
Net Worth (Rs.)
53,985 Rs. mn
15.4%
Cost to Income
42.95%
Improved by 195 bps
GNPA
1.11%
Improved by 13 bps
1+ DPD
3.81%
Improved by 18 bps
Active Loan Accounts (No.)
2,82,707
11%
🏢 How This Affects the Company
📈
Business Impact
The company's Assets under Management grew by 16.1% YoY to Rs. 2,48,011 mn, indicating an expansion of its lending operations. Disbursements increased by 29.6% YoY to Rs. 35,051 mn in H1FY27, reflecting stronger loan origination.
💰
Financial Impact
Net Profit for H1FY27 increased by 16.4% YoY to Rs. 3,528 mn, driven by a 16.7% YoY growth in Net Interest Income to Rs. 6,825 mn. The Net NPA improved to 0.70%, suggesting stable asset quality.
⚙️
Operational Impact
The cost-to-income ratio improved by 195 bps YoY to 42.95% in H1FY27, indicating enhanced operational efficiency. The company expanded its branch network to 443 across 15 states, adding 21,500+ new customers.
⚠️
Risk Impact
Gross NPA improved by 13 bps YoY to 1.11% and 1+ DPD improved by 18 bps YoY to 3.81%, indicating a reduction in credit risk and effective collection frameworks.
👥 What This Means For Shareholders
✅
Action Required
No specific action is required from shareholders based on this financial results release.
👤
Who Is Affected
All shareholders are affected as the company's financial and operational performance directly impacts the intrinsic value of their holdings. Key metrics like Net Profit of Rs. 3,528 mn and AUM of Rs. 2,48,011 mn are relevant.
🔍
Management Signal
Management aims to cross Rs. 250 bn in AUM and pursue a long-term goal of Rs. 500 bn, while prioritizing quality growth, prudent underwriting, and technology integration.

For information only. Not investment advice. ForgeUp is not SEBI-registered.

👁 Watch List — track these upcoming events
Q3 FY27 financial results — check continuation of AuM growth and profitability.
Updates on branch network expansion and new customer additions.
Trends in cost of borrowing and Net Interest Margin in subsequent quarters.
LOW RISK Asset quality indicators like Net NPA at 0.70% and GNPA at 1.11% remain stable.
💡 Investor Takeaway
AAVAS Financiers reported H1FY27 Net Profit of Rs. 3,528 mn, a 16.4% YoY increase, with Assets under Management growing 16.1% to Rs. 2,48,011 mn. Net NPA improved to 0.70%, reflecting strong asset quality.
⚖️ Strengths & Concerns

✅ Positives

  • Net Profit grew by 16.4% YoY to Rs. 3,528 mn in H1FY27, supported by robust growth in Net Interest Income and Operating Profit.
  • Asset quality indicators improved, with Net NPA at 0.70% and Gross NPA at 1.11%, demonstrating disciplined underwriting and collection.
📅 Company Track Record
AAVAS Financiers reported H1FY27 Net Profit of Rs. 3,528 mn, building on previous periods; Q2 FY27 Net Profit rose 10.73% to INR 18,152.02 Lakh and Q1 FY27 Net Profit rose 22.95% to INR 17,126.81 Lakh. The company's board had previously met on October 26, 2026, to approve these Q2/H1 results.

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was AAVAS Financiers' Net Profit for H1FY27?
AAVAS Financiers reported a Net Profit of Rs. 3,528 mn for H1FY27, marking a 16.4% YoY growth.
What is AAVAS Financiers' Assets under Management (AuM) as of September 30, 2026?
The Assets under Management (AuM) for AAVAS Financiers stood at Rs. 2,48,011 mn as of September 30, 2026, a 16.1% YoY increase.
What was the growth in disbursements for AAVAS Financiers in H1FY27?
AAVAS Financiers disbursed loans worth Rs. 35,051 mn in H1FY27, showing a robust growth of 29.6% YoY.
How did AAVAS Financiers' asset quality perform in H1FY27?
AAVAS Financiers' Net NPA improved by 16 bps YoY to 0.70%, while Gross NPA improved by 13 bps YoY to 1.11% in H1FY27.

Questions based on this BSE filing only. For information purposes.

⚠️ For Information Only — Not Investment Advice
ForgeUp Filings provides AI-generated summaries of public BSE exchange announcements (equity segment) for informational purposes only. Nothing here constitutes investment advice or a recommendation to buy, sell, or hold any security. ForgeUp is not a SEBI-registered investment advisor. All financial numbers are sourced directly from BSE filings and shown as-is. Past data is historical only. Please consult a qualified financial advisor before making investment decisions. Data sourced from BSE India public disclosures.
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