Aadhar Housing Finance has reported strong financial growth for FY26, with its Assets Under Management (AUM) reaching ₹305,713 Mn, a 20% increase year-on-year. The company achieved a Profit After Tax (PAT) of ₹11,083 Mn, representing a 22% growth. With a seasoned business model and a digital-first approach, the lender continues to demonstrate resilience and maintains a strong asset quality, with a GNPA of 1.08% as of March 31, 2026.
Financial Highlights
For the financial year ended March 31, 2026, Aadhar Housing Finance recorded significant operational achievements. The company’s AUM grew by 20%, totaling ₹305,713 Mn, supported by ₹95,557 Mn in total disbursements, marking a 17% year-on-year rise. Profitability metrics also remained strong, with a Return on Assets (ROA) of 4.4% and a spread of 5.8%, reflecting efficient management and consistent growth across cycles.
Strategic Business Performance
The company maintains a granular, 100% secured retail loan book with a total of 336k live accounts. Aadhar Housing Finance continues to focus on the low-income housing segment, with 63% of its gross AUM attributed to EWS and LIG customers. This focus is supported by an extensive distribution network of 626 branches covering 552 districts across 22 states and union territories.
Digital Transformation and Asset Quality
Operational efficiency has improved, with the Cost-to-Income ratio showing a 55bps improvement on a year-on-year basis. The company’s digital-first operating model, featuring a TCS-enabled core system, has facilitated 100% paperless onboarding. Furthermore, the company maintains stable asset quality, reporting a GNPA of 1.08%. Aadhar Housing Finance also secured a rating upgrade to AA+ / Stable from CARE, underscoring its solid liability profile and diversified borrowing base of 42 relationships.
Source: BSE
