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Aavas Financiers Limited (AAVAS) Fair Value & Analysis

Financial Services · IN · Market cap ₹118B

Price₹1,490
Fair Value₹1,074
Upside-27.9%
Quality97/100
Evidence: High Range ₹625.18 – ₹2,236

Fair value as of: Jun 29, 2026

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Analysis

Aavas Financiers Limited (AAVAS) currently trades at ₹1,490, while our model-based Fair Value estimate is ₹1,074 — implying the stock looks roughly 27.9% overvalued today. We read business quality at 97/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Aavas Financiers Limited provides housing finance services to low- and middle-income customers in semi-urban and rural areas in India. The company offers home loans for flats, houses, and bungalows; home construction loans for self-construction of residential houses; resale property purchase loans, and home improvement loans, including loans for tiling or flooring, plaster or painting, etc. It also provides loans against property; micro, small, and medium enterprise loans; and home loan balance transfer, as well as cash salaried plus loans and small ticket size loans. The company was formerly known as AU Housing Finance Limited and changed its name to Aavas Financiers Limited in May 2017. Aavas Financiers Limited was incorporated in 2011 and is based in Jaipur, India.

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Frequently asked questions

Is Aavas Financiers Limited (AAVAS) undervalued?
As of Jun 29, 2026, our model estimates a fair value of ₹1,074 versus a price of ₹1,490 — about −28% (overvalued). Model-based estimate, not financial advice.
What is the fair value of AAVAS?
Our 21-model fair value for Aavas Financiers Limited is ₹1,074 (as of Jun 29, 2026), built from audited fundamentals. The current price is ₹1,490.
What is the quality score of AAVAS?
Aavas Financiers Limited has a Quality Score of 97/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.