Aavas Financiers Ltd Share Price

PNB Housing Board Approves ₹10,000 Cr NCD Issue

The Board of Directors of PNB Housing Finance Limited has approved the issuance of Non-Convertible Debentures (NCDs) of up to ₹10,000 crore on a private placement basis. The fundraising will strengthen the company’s capital base and support its growth plans in the affordable and retail housing finance segments. The NCDs will be issued in one or more tranches as per the company’s funding requirements and market conditions. This move enhances PNB Housing Finance’s ability to meet rising demand for home loans while maintaining a balanced liability profile. The approval provides the housing finance company with greater flexibility to raise long-term funds efficiently and sustain its lending momentum in the coming quarters. **Top stocks in the housing finance industry:**

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AAVAS FInanciers ltd - Q1 FY27 disbursements jumped 41% YoY

- Aavas Financiers is currently in a corrective phase after failing to sustain the July–August recovery towards ₹1,500, with the daily chart turning technically weak. Price has slipped below the Ichimoku cloud and the key Tenkan/Kijun levels, indicating that short-term momentum has shifted bearish; ₹1,250–1,260 is the immediate support zone, while a sustained break below ₹1,250 could drag the stock towards ₹1,200–1,180. On the upside, ₹1,320–1,345 is the first hurdle, followed by the ₹1,390–1,430 zone, and the recovery would regain strength only above these levels. Fundamentally, however, the picture remains considerably stronger than the chart: Q1 FY27 disbursements jumped 41% YoY, AUM grew 15.4% to ₹23,930 crore and PAT increased 23% YoY to ₹171 crore, while GNPA/NNPA remained low at 1.11%/0.71%. The affordable-housing finance sector also retains strong structural tailwinds from under-penetration, Tier-2/3 demand and banks increasingly focusing on larger-ticket borrowers. Overall, the fundamental recovery remains intact, but the chart needs to stabilise first; ₹1,250 is the key level to watch, with a reclaim of ₹1,340–1,345 providing the first meaningful signal that the uptrend is returning.

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Aavas Financiers Limited is a retail affordable housing finance company in India, headquartered in Jaipur, Rajasthan.

Aavas Financiers Limited is a retail affordable housing finance company in India, headquartered in Jaipur, Rajasthan. Incorporated in 2011, it primarily serves low and middle-income, self-employed customers in semi-urban and rural areas who lack formal income documentation. It is publicly listed on both the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE).Core Offerings & Loan ProductsAavas provides a wide suite of financial products tailored for underserved markets:Home Purchase & Construction Loans: Funding for buying built houses or constructing homes on self-owned ***** Improvement & Extension: Credits for renovating, repairing, or expanding existing ***** Against Property (LAP): Multi-purpose loans secured by commercial or residential real ***** Business Loans: Term loans tailored to micro, small, and medium enterprise ***** Rooftop Solar Finance: Financing solutions intended for setting up rooftop solar power ***** FootprintNetwork: The company runs an extensive brick-and-mortar operation spanning over 440 branches across the ***** Spread: Operates actively in 15 states and Union Territories including Rajasthan, Gujarat, Maharashtra, Madhya Pradesh, Delhi, Uttar Pradesh, Haryana, Punjab, Odisha, Karnataka, and Tamil ***** Employs a massive field and corporate team of over 7,200 people.

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Aavas Financiers: Growth With a Watchful Eye

Aavas Financiers is gaining ground in affordable housing finance. In the June 2026 quarter, loan disbursements jumped nearly 41% year on year to ₹1,613.9 crore. Faster disbursement can expand the loan book. Yet growth must be assessed alongside credit quality, funding costs and valuation. About 83% of loans were below ₹15 lakh, highlighting its focus on economically weaker and lower-income borrowers. PMAY-U 2.0, which targets 1 crore urban poor and lower-middle-class families, could support demand. Aavas also provides SME loans and loans against property (LAP), which earn higher yields. In FY26, housing loans formed 64% of the portfolio, SME loans 23% and LAP balance. This mix helped net interest margin rise to 7.7% from 7.48% a year earlier. It was well above Bajaj Housing Finance’s 3.7%, though Bajaj has a much larger balance sheet. A higher NIM strengthens earnings per asset, but may also mean greater risk in non-housing lending. Net interest income rose 16.5% to ₹323.9 crore, while net profit rose by a solid 23% to ₹171.3 crore. Asset quality stayed very stable, with net Stage 3 assets at 0.7% against 0.84% a year earlier. Aavas also had 440 branches across 15 states in FY26. The shareholder case is positive: disbursements, wider margins, faster profit growth and stable asset quality. Caution: its valuation. At ₹1,400.9, the stock traded at about 2.9 times price to book, while consolidated return on equity was 13.9%. Future returns depend on sustaining growth without rising credit losses and on earnings catching up with valuation. Aavas merits a place on the watch list, not an automatic buy label. Shareholders should track credit costs, SME and LAP exposure, funding costs, ROE and valuation. The opportunity is attractive, but execution will decide investor returns.

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Which Companies Benefit Without Selling More?

Not every business needs to sell more units to grow. Some simply benefit because the value of what they're connected to keeps increasing. As equity markets expand,

, , and participate in a larger financial ecosystem. As gold prices rise, and see the value of pledged collateral increase, which can support larger loan sizes. As property prices appreciate, housing finance companies like Aavas Financiers and Home First Finance finance higher ticket loans even if the number of homes sold doesn't rise proportionately. Sometimes, the biggest winners aren't the ones selling more. They're the ones connected to assets that keep becoming more valuable.

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Morning Market Insights:

Indian Markets are under same continuing zones inside the consolidating range and is looking neutral on the charts with stock specific action continuing in the mid and small cap space. The overall sentiment is expected to remain cautious for the day with support for the index pegged around 23900 and 23950 while 24300 and 24350 remains resistance zones. Bank Nifty is also expected to consolidate after the yesterday’s sell off and stock specific action is expected to continue within the index. The index is having crucial support zones of 57200-57300 below which the index 56800 is the next small support while 58000-58200 remains resistance for the day. Q1 FY27 Results Today – 21 July 2026

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