Aadhar Housing Finance announced strong results for 9M FY26, highlighting a 20% increase in AUM to ₹287,900 Mn and a 20% rise in PAT to ₹7,974 Mn. Disbursements grew by 15% to ₹64,691 Mn. The company maintains a positive ALM across all buckets and boasts a diversified borrowing profile with 41 relationships.
Financial Performance Highlights
Aadhar Housing Finance reported significant growth in key financial metrics for the nine months ended December 31, 2025:
- AUM: Increased by 20% to ₹287,900 Mn.
- PAT: Rose by 20% to ₹7,974 Mn (excluding the impact of the new labor code).
- Disbursements: Grew by 15% to ₹64,691 Mn.
- ROA: Stood at 4.4%.
- GNPA: Maintained at 1.4%.
Key Operational Metrics
The company’s operational strengths include:
- 100% secured retail book.
- c.60% LTV.
- c.55% of AUM from salaried customers.
- 621 branches across 22 states and union territories.
Funding and ALM
Aadhar Housing Finance has a diversified funding base with 41 borrowing relationships and maintains a positive ALM across all buckets. The company’s incremental borrowing rates remain competitive.
Strategic Focus and Expansion
Aadhar Housing Finance continues to focus on:
- Low-income housing segment in India.
- Technology-enabled business model.
- Maintaining strong corporate governance.
The company is expanding its presence with a focus on remote locations and tier 4 & 5 towns, utilizing deep impact branches and Aadhar Mitras.
Experienced Leadership
Aadhar Housing Finance is guided by an experienced board of directors and a seasoned management team with deep expertise in the financial services sector.
Source: BSE
