Mumbai, July 26th, 2025: Aadhar Housing Finance Ltd, announced its financial results for the quarter and year ended 30th June 2025. With a strong performance in the quarter, the Company is well positioned to achieve the targets set for this year.
Key Performance Highlights:
|
Particulars (Rs. Cr) |
Q1 FY26 |
Q1 FY25 |
YoY |
|
Assets Under Management (AUM) |
26,524 |
21,726 |
22% |
|
Disbursements |
1,979 |
1,497 |
32% |
|
Profit after tax (PAT) |
237 |
200 |
19% |
|
Net worth |
6,616 |
5,633 |
17% |
|
ROA (%) |
4.0% |
4.1% |
– 6 bps |
|
ROE (%) * |
14.7% |
15.9% |
– 120bps |
|
GNPA on AUM (%) |
1.34% |
1.31% |
+ 3 bps |
*Note: – (After IPO primary portion of Rs. 1000 Cr (Gross)
PERFORMANCE HIGHLIGHTS – Q1 FY26
Commenting on the Q1 FY26 performance, Mr. Rishi Anand, MD & CEO of Aadhar Housing Finance Ltd said:
“We concluded the first quarter of FY26 on a strong note with an AUM of INR 26,524 crore, reflecting a YoY growth of 22%. Disbursements remained healthy at INR 1,979 crore, up 32% YoY, supported by sustained demand in the affordable housing segment. Profit after Tax (PAT) for the quarter stood at INR 237 crore, marking a YoY growth of 19%.
Another milestone to highlight for this quarter is the rating upgrade from CARE for our long-term bank facilities and non-convertible debentures (NCDs) to CARE AA+ from the earlier CARE AA, while maintaining a stable outlook, reflecting Aadhar’s strong financial and operational performance. We also marked our entry to a new state Assam with a new branch at Guwahati.
The affordable housing finance sector has gained strong momentum over the past year, supported by proactive government measures and rising demand. A key macro development this quarter was RBI’s third consecutive repo rate cut, reducing it by 50 basis points to 5.50% in June 2025, enhancing affordability for first-time and low-income homebuyers ahead of the festive season. We remain optimistic that these policy actions will further accelerate growth in the affordable housing segment.
Our leadership in the affordable housing segment is anchored in serving low-income families across 22 states, 591 branches and 547 districts, reaching over 3,06,000+ customers. Backed by a robust operational foundation and a customer-centric strategy, Aadhar Housing Finance remains well-positioned to continue its growth journey while enabling more families to realize their dream of home ownership.”
About:
Aadhar Housing Finance Ltd. (Aadhar), established in 2010, is one of India’s leading low-income housing finance companies dedicated on providing affordable housing solutions to EWS (EconomicallyWeaker Section) & LIG
(Low Income Group) particularly in semi-urban and rural areas across India. With an average loan size of Rs. 10 lakhs, Aadharoperates with 591 branches, across 22 states and union territories. It offers an array of mortgage-related products, including loans for buying and constructing residential properties, home improvement and extension, and micro loan against property. Aadhar leverages advanced technology and data analytics for efficient underwriting, collections, and asset quality monitoring. The company secures financing from diverse sources, including term loans, NHB financing, and NCDs. Aadhar’s extensive network and focus on EWS/LIG segments makes it a significant player in the low-income housing finance sector in India.