AAVAS Financiers Limited

YASHASWINI N
PES1UG19BB200

Ms. Nayana Nadhig

Professor
Organizational Study on AAVAS Financiers Limited
Table of Content

Sr. No. Contents of the Presentation

1. Introduction to the Study

2. Industry Profile

3. Company Profile

4. Department/Organizational Structure
Organizational Study on AAVAS Financiers Limited

Introduction to the Study

➢ AAVAS is primarily engages in providing housing loan to customers belonging to

low and middle income segment in semi-urban and rural areas.

➢ Financial sector mobilizes savings and allocates credit across space and time

➢ It plays an important role in functioning of the economy

➢ Indian financial / monetary sector

➢ AAVAS financiers Ltd.

Organizational Study on AAVAS Financiers Limited

Industry Profile

• The monetary area is a segment of the economy comprised of firms and

foundations that offer monetary types of assistance to business and retail
clients. This area contains a wide scope of businesses including banks,
speculation organizations, insurance agencies, and land firms.

• The worldwide monetary framework is the overall structure of legitimate

arrangements, foundations, and both formal and casual monetary
entertainers that together work with global progressions of monetary capital
for motivations behind venture and exchange financing.

• The area contains business banks, insurance agencies, non-banking monetary

organizations, co-agents, benefits reserves, shared assets and other more
modest monetary substances. With a joined move by Government and private
area, India is without a doubt one of the world's most dynamic capital
business sectors.
Organizational Study on AAVAS Financiers Limited

Industry Profile

Financial Sector in the Indian economy has had a checkered history. The
story of the post-independent (i.e., post-1947) Indian financial sector can
perhaps be portrayed in terms of three distinct phases – the first phase
spanning over the 1950s and 1960s exhibited some elements of instability
associated with laissez faire but underdeveloped banking; the second
phase covering the 1970s and 1980s began the process of financial
development across the country under government auspices but which
was accompanied by a degree of financial repression; and the third phase
since the 1990s has been characterized by gradual and calibrated financial
deepening and liberalization. While the present paper is devoted primarily
to the period since the 1990s, we also provide a brief account of the
earlier two phases.
Organizational Study on AAVAS Financiers Limited

Company profile

• AAVAS Financiers is a finance organization known

for giving home advances in the country and semi-
metropolitan areas of India.
• AAVAS is enrolled with National Housing Bank as a
Housing Finance Company
• Headquarters- Jaipur
• The company was granted the license in August
2011
• It was founded by Sushil Kumar Agarwal
Organizational Study on AAVAS Financiers Limited

Company profile

AAVAS is fundamentally occupied with the matter of giving lodging

credit to clients having a place with low and center pay fragment in
semi-metropolitan and provincial regions. These are credit
commendable clients who might possibly have the pay verification
reports like IT return, compensation slip and consequently are
monetarily rejected by other enormous lodging finance
organizations and banks. AAVAS utilizes special examination
strategy to evaluate these clients separately. The financing
arrangement should be appropriated and reasonable to them.

AAVAS accepts that each client are special thus far as his monetary
requirements and feel it is totally vital not to regard them as
homogenous gathering of borrowers however like the individual
need of each client, and offer lodging Finance arrangements that
are fitting and appropriate to them.
Organizational Study on AAVAS Financiers Limited

Company profile

Space Of Operations : AAVAS cooks the necessities of different little

families in rustic regions, towns, and a city's fringe region and other
semi-metropolitan regions to meet their life time dream to possess
their own home. As of now AAVAS is working in 11 states.
Labor : The Company has a group of devoted staff individuals
including exceptionally qualified experts like Chartered Accountants,
Company Secretaries, MBAs and so on who have been adding to the
advancement and development of the Company. The labor necessity
of the workplaces of the Company is evaluated and enrollment is
directed in like manner.
Products: AAVAS is occupied with 3 sorts of items referenced
beneath under its lodging finance business:-
• Finance for Purchase
• Finance for Construction
• Finance for Home Extension
Organizational Study on AAVAS Financiers Limited

Organizational Structure

• The board AAVAS is driven by qualified and experienced key administrative

work force, who are upheld by a competent and spurred pool of supervisors
and different representative. The Board of AAVAS is led by Mr. Krishan Kant
Rathi, an industry veteran with over 27 years of monetary administrations
experience. Our organizer, Managing Director and CEO, Mr. Sushil Kumar
Agarwal, has been related with the monetary administrations industry for a
very long time.

• Our Cofounder and Chief Financial Officer Mr. Ghanshyam Rawat has more than
23 years of work insight in finance, raising money, depository the board, forex
and premium danger the executives and consolidations and acquisitions.

• Mr. Sunku Ram Naresh, our Chief Business Officer, has an involvement with
home loan and FMCG conveyance of more than 20 years. Mr. Ashutosh Atre,
our Chief Credit Officer, has more than 29 years of work insight in credit the
board.
 Organizational Study on AAVAS Financiers Limited

Organizational Structure

• The Company detailed beneficial development in 2018-19. While incomes

reinforced 44%, benefit after charge expanded 89%, net revenue edge
was 9.32% and delinquent resources represented a simple 0.47% of the
Company’s book

• 93,484 Cumulative housing units financed

• 210 Total branches as on March 31,2019

• ~65% Book taking into account independently employed client portion

9,027.71 Market capitalization , March 31, 2019 (crore) 75.5% Home Loan
book
THANK YOU
YASHASWINI N
PES1UG19BB200