| Management target | Net Profit 26.0% FY26 |
|---|
| Margins | Stable spreads at 5.8% |
|---|---|
| Demand visibility | Strong in low-income housing |
| Management confidence | High regarding digital transformation |
Growth
AUM grew 18% YoY; PAT increased 19% YoY. Disbursements grew 19% YoY on a comparable basis.
Outlook
Focus on low-income housing, digital expansion via AI-led underwriting, and maintaining a 26% PAT CAGR.
Risks
Slight compression in spreads (-3 bps YoY) and potential asset quality fluctuations in low-income segments.
Last quarter's promises, checked
Delivered
- Guided 20% AUM growth → delivered 20% (= BEAT)
- Guided 20% Profit growth → delivered 20% (= BEAT)
- Guided 17-18% Disbursement growth → delivered 17% (= BEAT)
Partly delivered
- Guided 50 bps reduction in cost-to-income → delivered 55 bps improvement (= BEAT)
Investor Presentation 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.