AAVAS Aavas Financiers Q2 FY27 results (Jul–Sep 2026) and concall
Aavas Financiers delivered steady operational and financial performance in Q2 FY27, with AUM expanding 16.1% YoY to ₹248.0 billion and H1 disbursements rising 30% YoY to ₹35.1 billion. Profitability remained sound as Q2 NIM expanded 11 bps QoQ to 7.81% and cost-to-income ratio improved 153 bps QoQ to 42.9%, aided by disciplined liability management keeping cost of borrowing stable at 7.64%. Asset quality held industry-leading standards with Gross Stage 3 at 1.11%, 1+ DPD at 3.81%, and H1 credit costs at 24 bps. Management reaffirmed its full-year guidance of 16%-17% AUM growth and expressed st
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What they filed
Q2 FY27: revenue up 10.3%, net profit up 11.0% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 597 | 636 | 628 | 667 | 674 +13% | 715 +12% | 709 +13% | 736 +10% |
| Net profit | 146 | 154 | 139 | 164 | 170 +16% | 182 +18% | 171 +23% | 182 +11% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
