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Aavas Financiers Limited (formerly known as Au Housing Finance Limited) is a prominent Indian housing finance company established in 2011. The company specializes in providing affordable housing loans primarily to low and middle-income customers in semi-urban and rural areas. A significant portion of its borrower base consists of self-employed individuals who lack formal income documentation, for whom Aavas employs a specialized field-based credit assessment model. The company offers a comprehensive range of retail mortgage products, including home purchase loans, home construction loans, home improvement loans, and loans against property. Aavas operates an extensive branch network across key states in Western, Central, and Northern India, with strong market presence in Rajasthan, Gujarat, Maharashtra, and Madhya Pradesh. Originally promoted by Au Small Finance Bank (formerly Au Financiers), control was subsequently acquired by private equity investors Lake District Holdings Limited (Kedaara Capital) and Partners Group ESCL Limited. The company completed its initial public offering in September 2018 to strengthen its capital adequacy and fund further business expansion.
Aavas Financiers raised Rs 520.21 crore by allocating 63,36,317 equity shares at Rs 821 per share to 34 anchor investors including Abu Dhabi Investment Authority, SBI Life, Nomura, Morgan Stanley, and HSBC.
Source: RHP • Analysis provided for informational purposes
Last Updated: 30 July 2026, 10:23 AM
Focus on Low and Middle-Income Affordable Housing Segment
Specialized business model catering to underserved self-employed customers in semi-urban and rural markets.
Robust Underwriting Framework and Superior Asset Quality
In-house originations and comprehensive field-based credit verification maintaining low non-performing assets.
Deep Regional Branch Network
Extensive distribution presence across core states including Rajasthan, Gujarat, Maharashtra, and Madhya Pradesh.
Geographic Concentration Risk
High dependence on a select few states in Western and Central India for a significant portion of loan assets.
Credit Risk from Informal Customer Segments
Higher vulnerability to economic downturns due to lending to self-employed borrowers without formal income proofs.
Interest Rate Volatility
Fluctuations in borrowing costs and market liquidity conditions impacting net interest margins and profitability.
Aavas Financiers Limited
201-202, 2nd Floor, Southend Square, Mansarovar Industrial Area, Jaipur - 302020, Rajasthan, India
View on Maps →MUFG Intime India Private Limited
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