| Management target | Net Profit 20.0% |
|---|
| Revenue growth | Disbursement +22% YoY; AUM +20% like-for-like; headline AUM +18%. |
|---|---|
| Margins | Exit spread 5.73%; cost of funds 7.7%; hikes passed on after lag. |
| Order book | Undrawn sanctions ₹1,466 Cr; fresh NHB sanction ₹1,000 Cr received. |
| Demand visibility | Oct disbursements ~₹900 Cr/month; Q3 disbursement growth minimum 20%. |
| Management confidence | Defensive on GS2 rise; repeatedly 'confident' despite stage-2 uptick. |
Growth
Disbursement +22% YoY; AUM +20% like-for-like. PAT ₹308 Cr vs ₹266 Cr; ESOP-adjusted growth 20%.
Outlook
Guides 20% AUM/PAT growth (medium-term); H2 disbursement growth 20%+; credit cost 25bps, headline NPA 1.10–1.115% by year-end.
Risks
GS2 up ~25bps QoQ, called seasonal; Q2 credit cost 31bps vs 25bps annual guide; rate-hike pass-through lag.
Earnings Call Transcript filed with NSE, NSE: AADHARHFC. Summary written with AI assistance from the document.
Aadhar Housing Finance Ltd: key numbers
- Share price
- ₹438.25
- Market cap
- ₹19,213 Cr
- Revenue (annual)
- ₹3,673 Cr
- Net profit (annual)
- ₹1,096 Cr
- P/E (TTM)
- 16.8×Sector 19.5×
- Promoter holding
- 64.51%-0.15% QoQ
- FII holding
- 4.11%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 Management Change
Aadhar Housing Finance redesignated Sandeep Jain as Chief Business Officer, making him Senior Management Personnel from 5 November 2026. This is a senior executive designation change disclosed under Regulation 30.
Aadhar Housing Finance Employee Stock Options
Aadhar Housing Finance's board granted 9,81,800 employee stock options under ESOP Plan 2025 at Rs. 425 per option. Options vest after a minimum of one year.
Aadhar Housing Finance Investor Presentation: Key Takeaways
H1 FY27: AUM ₹326.4bn (+20% adj. YoY), PAT ₹5.9bn (+22% adj.; reported +17%), GNPA 1.3%, ROA 4.2%. Spreads stable at 5.7%.
Aadhar Housing Finance Results Update
Aadhar Housing Finance reported Q2 FY27 PAT of Rs 308 Crore, up 16% YoY. AUM reached Rs 32,643 Crore with GNPA improving to 1.34%.
- new branches
- 1.0 branches
Aadhar Housing Finance Q2 FY27 Results: Net Profit ₹308.3 Cr, Up 15.7% YoY
Aadhar Housing Finance Ltd reported revenue from operations of ₹1,048 Cr (+16.8% YoY) and net profit of ₹308.3 Cr (+15.7% YoY) for Q2 FY27.
- Key figure
- Net profit ₹308.3 Cr · +15.7% YoY
Aadhar Housing Finance Other Announcement
Aadhar Housing Finance notified that its RTA, KFin Technologies, moves its corporate office from December 1, 2026. This administrative address change has no financial impact.