Aadhar Housing Finance announced strong financial results for the first half of FY26, with profit after tax increasing by 18% year-over-year to ₹5,038 Mn. The company’s AUM grew by 21% to ₹275,537 Mn, and disbursements increased by 16% to ₹40,890 Mn. These results highlight Aadhar’s robust performance and strategic focus on the low-income housing segment.
Financial Highlights for H1 FY26
Aadhar Housing Finance showcased substantial growth in its key performance indicators for the first half of fiscal year 2026:
- Assets Under Management (AUM): Reached ₹275,537 Mn, a 21% increase year-over-year.
- Profit After Tax (PAT): Grew to ₹5,038 Mn, marking an 18% increase compared to the previous year.
- Disbursements: Totaled ₹40,890 Mn, reflecting a 16% year-over-year growth.
Key Operational Metrics
The company also reported the following key operational metrics:
- Gross Non-Performing Assets (GNPA): Stood at 1.4%.
- Return on Assets (ROA): Measured at 4.2%.
- Spread: Reported at 5.9%.
Strategic Focus and Expansion
Aadhar Housing Finance continues to focus on the low-income housing segment, maintaining a 100% secured retail book. The company has a pan-India presence with 611 branches across 22 states and union territories, serving approximately 315k live accounts. Aadhar is also focused on digitalization, with c.55% of AUM attributed to salaried customers.
Rating and Borrowings
The company has received a rating upgrade to AA+/Stable from CARE Ratings. Aadhar maintains relationships with 44 borrowing partners, ensuring a diversified funding base and positive asset liability management (ALM) across all buckets.
Source: BSE
