Aadhar Housing Finance concluded the financial year 2026 with a robust performance, achieving a key milestone as its Assets Under Management (AUM) crossed ₹30,000 crore, representing a 20% year-on-year growth. The company reported a Profit After Tax (PAT) of ₹1,096 crore, reflecting strong operational execution and steady demand in the affordable housing segment. With a focus on sustainable growth, the company continues to expand its branch network to serve low-income families across India.
Full-Year Financial Highlights
For the financial year ended March 31, 2026, Aadhar Housing Finance demonstrated consistent growth across key metrics. The company achieved a 20% year-on-year growth in AUM, reaching ₹30,571 crore. Disbursements for the year totaled ₹9,556 crore, marking a 17% increase compared to the previous year. Profitability remained strong with a PAT of ₹1,096 crore, a 20% growth over FY25.
Quarterly Performance and Asset Quality
The company recorded its highest-ever quarterly disbursement of ₹3,087 crore during Q4 FY26, a 20% increase year-on-year. Asset quality remains healthy, with Gross NPA at 1.08%, reflecting a sequential improvement of 30 bps from the previous quarter. Collection efficiency remains resilient, consistently staying above 99.8%, supported by disciplined underwriting and active field monitoring.
Strategic Expansion and Operational Focus
Aadhar Housing Finance continues to scale its presence, adding 46 new branches during the year, bringing the total network to 626 branches across 22 states and over 550 districts. The company’s portfolio remains well-diversified with a balance of 73% home loans and 27% non-housing loans. Management remains committed to a medium-term growth strategy, leveraging AI and analytics to enhance operational productivity and turnaround times while maintaining a stable cost-to-income ratio of 35.9% for the full year.
Outlook for FY27
Looking ahead, the company maintains its guidance of 20% AUM growth and 20% profit growth. The leadership emphasizes a focus on deep-impact emerging markets and leveraging government-backed schemes like PMAY to drive homeownership for low-income families. While competitive intensity persists, the company’s diversified funding mix—comprising bank loans, NHB funding, and NCDs—provides a stable foundation for continued expansion in the affordable housing segment.
Source: BSE
