| Quarterly Financials | Mar 2021 | Mar 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
Revenue  | 413 | 452 | 556 | 593 | 629 | 673 | 692 | 713 | 764 | 798 | 834 | 851 |
| Expenses | 93 | 113 | 158 | 166 | 132 | 156 | 166 | 173 | 181 | 187 | 197 | 207 |
| EBITDA | 320 | 340 | 397 | 428 | 497 | 517 | 526 | 540 | 584 | 611 | 637 | 644 |
| Operating Profit % | 77 % | 75 % | 72 % | 72 % | 79 % | 77 % | 76 % | 76 % | 76 % | 77 % | 76 % | 76 % |
| Depreciation | 3 | 3 | 4 | 5 | 5 | 5 | 6 | 6 | 6 | 7 | 6 | 7 |
| Interest | 198 | 189 | 214 | 235 | 239 | 251 | 262 | 277 | 285 | 297 | 315 | 332 |
| Profit Before Tax | 119 | 148 | 180 | 187 | 253 | 261 | 259 | 257 | 292 | 308 | 316 | 305 |
| Tax | 25 | 32 | 39 | 41 | 56 | 56 | 57 | 57 | 65 | 68 | 71 | 68 |
| Net Profit | 93 | 115 | 141 | 146 | 197 | 204 | 202 | 200 | 228 | 239 | 245 | 237 |
| EPS in ₹ | 2.36 | 2.92 | 3.56 | 3.71 | 5.00 | 5.17 | 5.11 | 4.86 | 5.31 | 5.56 | 5.68 | 5.50 |
Aadhar Housing Finance
Aadhar Housing Finance
526.80
-13.05
(-2.42%)
Market Cap
23,324.70 Cr
EPS
21.43
PE Ratio
24.65
Dividend Yield
0.00 %
Industry
Financial Services52 Week High
547.80
52 Week Low
346.05
PB Ratio
3.68
Debt to Equity
2.80
Sector
Housing Finance
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from11 analysts
Company News
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BCP Asia II Holdco VII Pte. Ltd., along with two Blackstone entities, has announced an open offer to acquire up to 11,35,25,761 equity shares (25.82% of expanded voting share capital) of Aadhar Housing Finance Limited from public shareholders at ₹469.97 per share. The offer follows a share purchase agreement where the acquirer will buy up to 64.14% stake from existing promoter BCP Topco VII Pte. Ltd. at ₹425 per share. The transaction requires regulatory approvals including from Competition Commission of India and Reserve Bank of India. The offer is valued at approximately ₹5,335 crores assuming full acceptance and is scheduled to open on September 19, 2025, closing on October 3, 2025. The acquirer has arranged bank guarantees of ₹615 crores and deposited ₹55 crores in escrow to fund the transaction.
BCP Asia II Holdco VII Pte. Ltd., along with Blackstone Capital Partners entities, announced an open offer to acquire up to 11,35,25,761 equity shares representing 25.82% of Aadhar Housing Finance Limited's expanded voting share capital from public shareholders at ₹469.97 per share. The total consideration amounts to ₹53,35,37,01,898 assuming full acceptance. The offer is mandatory under SEBI regulations following a share purchase agreement where the acquirer agreed to purchase up to 64.14% stake from the existing promoter BCP Topco VII Pte. Ltd. at ₹425 per share. The tendering period runs from September 19 to October 3, 2025. The transaction requires regulatory approvals including from Competition Commission of India and Reserve Bank of India. Upon completion, the acquirer will become the new promoter of the housing finance company, while the existing promoter group will be reclassified as public shareholders.
Aadhar Housing Finance achieved Assets Under Management (AUM) of Rs 26,524 crores in Q1 FY26, marking 22% year-on-year growth. The company reported disbursements of Rs 1,979 crores, up 32% YoY. Profit After Tax increased 19% to Rs 237 crores compared to Rs 200 crores in Q1 FY25. The company maintained healthy asset quality with gross NPA stable at 1.34% and collection efficiency above 98%. Portfolio remains well-secured with average loan-to-value ratio of 59%. Salaried segment represents 56% of portfolio with average ticket size of Rs 10 lakhs. Home loans constitute 73% of AUM while micro-loan against property accounts for 27%. The company operates 591 branches across 22 states serving over 3 lakh customers. CARE rating upgraded the company to AA+ from AA. Cost of funds stood at 8% with exit portfolio yield at 13.8% and spread at 5.8%. The company maintains growth guidance of 20-22% for AUM and 18-20% for disbursements. Management highlighted expansion into emerging markets through urban-emerging strategy, with emerging locations expected to drive higher growth.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
111.26 | #1 93,155.50 | 41.10 | 9,576.00 | 25.71 | 2,163 | 20.87 | 41.69 | |
571.40 | 31,944.90 | #1 5.82 | #1 28,110.70 | 3.05 | #1 5,443 | 4.41 | 54.90 | |
526.80 | #3 23,324.70 | #7 24.65 | #6 3,108.90 | #6 20.17 | #4 912 | #6 18.59 | 63.19 | |
907.75 | 23,149.30 | 11.33 | 7,691.60 | 8.99 | 1,936 | 23.27 | 65.70 | |
316.65 | 16,034.60 | 20.11 | 1,798.40 | 27.62 | 751 | 27.65 | 39.25 | |
1,628.60 | 13,218.40 | 26.94 | 2,020.70 | 25.46 | 491 | 14.85 | 53.73 | |
1,228.40 | 13,202.80 | 32.05 | 1,539.20 | 33.09 | 382 | 35.42 | 50.86 | |
136.41 | 11,207.70 | 7.99 | 8,683.30 | -1.16 | -1,808 | 2.29 | 53.26 | |
762.60 | 10,356.10 | 11.75 | 3,879.60 | 10.07 | 857 | 12.17 | 58.19 | |
864.80 | 9,607.80 | 23.27 | 1,175.90 | #1 36.51 | 378 | #1 42.99 | 46.50 |
Automatic Screeners on ScanX
Forecast
Actual
Growth Rate
Revenue Growth
20.17 %
Net Income Growth
21.64 %
Cash Flow Change
-18.69 %
ROE
-15.07 %
ROCE
-2.18 %
EBITDA Margin (Avg.)
0.36 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 7,828 | 9,480 | 12,366 | 13,630 | 14,376 | 16,618 | 19,093 | 23,224 |
| Fixed Assets | 21 | 42 | 44 | 53 | 55 | 63 | 80 | 92 |
| Current Assets | 794 | 1,263 | 3,389 | 2,467 | 2,022 | 2,243 | 1,648 | 2,134 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 226 | 150 | 24 | 497 | 338 | 459 | 462 | 513 |
| Other Assets | 7,582 | 9,289 | 12,298 | 13,080 | 13,983 | 16,095 | 18,551 | 22,619 |
| Total Liabilities | 7,828 | 9,480 | 12,366 | 13,630 | 14,376 | 16,618 | 19,093 | 23,224 |
| Current Liabilities | 1,949 | 491 | 357 | 545 | 614 | 757 | 682 | 527 |
| Non Current Liabilities | 5,180 | 8,130 | 9,662 | 10,392 | 10,615 | 12,163 | 13,962 | 16,325 |
| Total Equity | 700 | 859 | 2,347 | 2,693 | 3,147 | 3,698 | 4,450 | 6,372 |
| Reserve & Surplus | 674 | 833 | 2,307 | 2,291 | 2,737 | 3,282 | 4,033 | 5,914 |
| Share Capital | 25 | 25 | 40 | 395 | 395 | 395 | 395 | 431 |
Cash Flow
| Cash Flow | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 754 | 422 | -981 | 191 | -169 | -49 | 522 |
| Investing Activities | -49 | -1,495 | -481 | 823 | -477 | 723 | 160 |
| Operating Activities | -2,554 | -1,785 | -1,780 | -907 | -1,156 | -2,550 | -3,027 |
| Financing Activities | 3,356 | 3,701 | 1,279 | 275 | 1,463 | 1,778 | 3,389 |
Share Holding
| % Holding | Jan 2024 | Apr 2024 | May 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| Promoter | 98.72 % | 98.72 % | 98.72 % | 76.48 % | 75.89 % | 75.74 % | 75.61 % | 75.50 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 4.17 % | 4.33 % | 4.30 % | 5.32 % | 5.58 % |
| DIIs | 0.00 % | 0.00 % | 0.00 % | 8.59 % | 9.46 % | 9.27 % | 8.57 % | 8.44 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 0.00 % | 0.00 % | 0.00 % | 7.26 % | 7.18 % | 7.53 % | 7.33 % | 7.31 % |
| Others | 1.28 % | 1.28 % | 1.28 % | 3.50 % | 3.15 % | 3.17 % | 3.17 % | 3.18 % |
| No of Share Holders | 51 | 51 | 51 | 2,39,696 | 2,20,338 | 2,19,626 | 2,09,369 | 2,02,739 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 09 Apr 2018 |  Change Of Name | NA | 09 Apr 2018 | 0.00 | 0.00 |
| 14 Sept 2024 |  Annual General Meeting | NA | 14 Sept 2024 | 402.40 | 462.90 |
| 06 Nov 2024 |  Quarterly Result Announcement | NA | 06 Nov 2024 | 458.50 | 449.75 |
| 06 Feb 2025 | Quarterly Result Announcement | NA | 06 Feb 2025 | 395.50 | 391.25 |
| 06 May 2025 | Quarterly Result Announcement | NA | 06 May 2025 | 424.40 | 475.20 |
| 25 Jul 2025 | Quarterly Result Announcement | NA | 25 Jul 2025 | 458.95 | 511.70 |
| 29 Jul 2025 | Annual General Meeting | NA | 29 Jul 2025 | 442.90 | 516.45 |
Announcements
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Change in ManagementSep 12, 2025
Sep 12, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 11, 2025
Sep 11, 2025Announcement under Regulation 30 (LODR)-Credit RatingSep 09, 2025
Sep 09, 2025Cancellation of Board MeetingSep 03, 2025
Sep 03, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 02, 2025
Sep 02, 2025Announcement under Regulation 30 (LODR)-Credit RatingSep 02, 2025
Sep 02, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 01, 2025
Sep 01, 2025Board Meeting Intimation for Prior Intimation Of Upcoming Board Meeting Of The Company.Sep 01, 2025
Sep 01, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 29, 2025
Aug 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 20, 2025
Aug 20, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 13, 2025
Aug 13, 2025Draft Letter of OfferAug 09, 2025
Aug 09, 2025Detailed Public StatementAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 31, 2025
Jul 31, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 30, 2025
Jul 30, 2025Disclosure Under Regulation 30 And 51 Of The SEBI (LODR) Regulations 2015Jul 30, 2025
Jul 30, 2025Announcement under Regulation 30 (LODR)-Memorandum of Understanding /AgreementsJul 30, 2025
Jul 30, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMJul 29, 2025
Jul 29, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportJul 29, 2025
Jul 29, 2025Clarification On Increase In VolumeJul 29, 2025
Jul 29, 2025Clarification sought from Aadhar Housing Finance LtdJul 29, 2025
Jul 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 27, 2025
Jul 27, 2025Public Announcement - Open OfferJul 26, 2025
Jul 26, 2025Announcement Under Reg 30Jul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Public Announcement-Open OfferJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Monitoring Agency ReportJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJul 25, 2025
Jul 25, 2025Unaudited Financial Results For Quarter Ended June 30 2025Jul 25, 2025
Jul 25, 2025Board Meeting Outcome for Outcome Of Board Meeting Dated 25Th July 2025Jul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 10, 2025
Jul 10, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 07, 2025
Jul 07, 2025Board Meeting Intimation for To Consider And Approve The Standalone And Consolidated Unaudited Financial Results Along With The Limited Review Report Of The Joint Statutory Auditors For The Quarter Ended 30Th June 2025.Jul 07, 2025
Jul 07, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 05, 2025
Jul 05, 2025Letter To The Shareholders - Annual Report F.Y. 2024-25Jul 04, 2025
Jul 04, 2025Shareholder Meeting - AGM On July 29 2025.Jul 04, 2025
Jul 04, 2025Reg. 34 (1) Annual Report.Jul 04, 2025
Jul 04, 2025Certificate from CEO/CFOJul 03, 2025
Jul 03, 2025Announcement under Regulation 30 (LODR)-Credit RatingJun 30, 2025
Jun 30, 2025Announcement under Regulation 30 (LODR)-Credit RatingJun 28, 2025
Jun 28, 2025Closure of Trading WindowJun 26, 2025
Jun 26, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJun 25, 2025
Jun 25, 2025Convening Of The 35Th Annual General Meeting Of The CompanyJun 24, 2025
Jun 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 18, 2025
Jun 18, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJun 13, 2025
Jun 13, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 12, 2025
Jun 12, 2025Announcement under Regulation 30 (LODR)-AllotmentJun 05, 2025
Jun 05, 2025Technical Indicators
RSI(14)
Neutral 63.19
ATR(14)
Volatile 13.92
STOCH(9,6)
Neutral 79.88
STOCH RSI(14)
Neutral 64.98
MACD(12,26)
Bullish 1.61
ADX(14)
Weak Trend 23.77
UO(9)
Bearish 57.29
ROC(12)
Uptrend And Accelerating 5.76
WillR(14)
Overbought -15.70
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Aadhar Housing Finance Limited is an Indian housing finance company focused on the low-income housing segment. Originally incorporated in 1990 as Vysya Bank Housing Finance Limited, it underwent several name changes and mergers before becoming Aadhar Housing Finance Limited in 2017. The company primarily serves economically weaker and low-to-middle income customers, offering small-ticket mortgage loans for residential property purchase, construction, improvement, and extension. It also provides loans for commercial property and loans against property. As of March 31, 2023, the company operates across 20 states and union territories with 469 branches. In June 2019, BCP Topco VII Pte. Limited, controlled by a Blackstone Group private equity fund, acquired a majority stake in the company. Aadhar Housing Finance Limited completed its initial public offering in May 2024, raising Rs 3000 Crore through a combination of fresh issue and offer for sale.
Listing Date
15 May, 2024(1 Years,
10 days)
Website
Chairperson NameOm Prakash Bhatt
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