| Margins | Spreads improved by 13 bps YoY to 5.8%. |
|---|---|
| Demand visibility | Strong; targeting underserved low-income segments with ticket sizes <$16k. |
| Management confidence | High; citing seasoned business model and robust credit assessment framework. |
Growth
AUM grew 20% YoY to $3,218Mn; PAT increased 22% YoY to $117Mn; Disbursements up 17% to $1,006Mn.
Outlook
Focus on digital-first operating model, AI/ML for credit underwriting, and expanding 626-branch network in tier 4/5 towns.
Risks
Asset quality shows slight GNPA uptick (+3 bps to 1.08%); concentration in low-income segment sensitive to economic shifts.
Last quarter's promises, checked
Delivered
- AUM growth ~20% → delivered 20% (= BEAT)
- Disbursement growth 16-17% → delivered 17% (= BEAT)
- Cost-to-income drop ~50 bps → delivered 55 bps drop (= BEAT)
Partly delivered
- Credit cost within 25 bps → delivered 28 bps (= PARTIAL)
Missed
- GNPA target 1.10-1.15% → delivered 1.38% (= MISS)
Earnings Call filed with BSE, NSE: AADHARHFC. Summary written with AI assistance from the document.
Aadhar Housing Finance Ltd: key numbers
- Share price
- ₹444.50
- Market cap
- ₹19,487 Cr
- Revenue (annual)
- ₹3,673 Cr
- Net profit (annual)
- ₹1,096 Cr
- P/E (TTM)
- 17.1×Sector 22.0×
- Promoter holding
- 64.66%-0.24% QoQ
- FII holding
- 5.80%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Aadhar Housing Finance Ltd
All →Aadhar Housing Finance Credit Rating
ICRA upgraded Aadhar Housing Finance's NCD, bank facility, and subordinated debt ratings to AA+ (Stable). Commercial paper reaffirmed at A1+.
Aadhar Housing Finance Management Change
Shareholders approved the appointment of Mr. Nikhil Goyal as a Non-Executive (Nominee) Director of Aadhar Housing Finance Ltd.
Aadhar Housing Finance Annual General Meeting
Aadhar Housing Finance shareholders approved the appointment of Mr. Nikhil Goyal as a Non-Executive (Nominee) Director via postal ballot.
Aadhar Housing Finance Debt & Borrowing: ₹10 Cr
Aadhar Housing Finance Ltd has successfully completed the full redemption of its Series 0005 NCDs, amounting to ₹10 Crore, upon maturity.
- Value
- ₹10.00 Cr
Aadhar Housing Finance Debt & Borrowing: ₹10.9 Cr
Aadhar Housing Finance repaid Rs. 10.90 Crore for principal redemption and interest on its Non-Convertible Debentures (ISIN: INE538L08054).
- Value
- ₹10.90 Cr
Aadhar Housing Finance Other Announcement
Aadhar Housing Finance received an ESG rating of '56.00 - Performer' from Niche99 for FY 2026. The rating was prepared independently using public domain data.