| 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 | Sept 2025 |
Revenue  | 413 | 452 | 556 | 593 | 629 | 673 | 692 | 713 | 764 | 798 | 834 | 851 | 899 |
| Expenses | 93 | 113 | 158 | 166 | 132 | 156 | 166 | 173 | 181 | 187 | 197 | 207 | 208 |
| EBITDA | 320 | 340 | 397 | 428 | 497 | 517 | 526 | 540 | 584 | 611 | 637 | 644 | 692 |
| Operating Profit % | 77 % | 75 % | 72 % | 72 % | 79 % | 77 % | 76 % | 76 % | 76 % | 77 % | 76 % | 76 % | 77 % |
| Depreciation | 3 | 3 | 4 | 5 | 5 | 5 | 6 | 6 | 6 | 7 | 6 | 7 | 7 |
| Interest | 198 | 189 | 214 | 235 | 239 | 251 | 262 | 277 | 285 | 297 | 315 | 332 | 342 |
| Profit Before Tax | 119 | 148 | 180 | 187 | 253 | 261 | 259 | 257 | 292 | 308 | 316 | 305 | 343 |
| Tax | 25 | 32 | 39 | 41 | 56 | 56 | 57 | 57 | 65 | 68 | 71 | 68 | 76 |
| Net Profit | 93 | 115 | 141 | 146 | 197 | 204 | 202 | 200 | 228 | 239 | 245 | 237 | 267 |
| 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 | 6.16 |
Aadhar Housing Finance
Aadhar Housing Finance
488.10
+2.90
(0.60%)
Key Fundamentals
Market Cap
21,139.26 Cr
EPS
21.43
PE Ratio
21.31
Dividend Yield
0.00 %
Industry
Financial Services 52 Week High
547.80
52 Week Low
346.05
PB Ratio
3.05
Debt to Equity
2.80
Sector
Housing Finance Analyst Rating and Forecast
- By Refinitiv from11 analysts
Actual
Company News
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Aadhar Housing Finance Limited allotted 4,49,499 equity shares of Rs. 10 each to eligible employees who exercised stock options under the Employee Stock Option Plan 2020. The allotment increased the company's paid-up equity share capital to Rs. 4,33,54,22,310 comprising 43,35,42,231 fully paid-up equity shares.
Aadhar Housing Finance Shareholders Approve Employee Stock Option Plan 2025 Through Postal Ballot
7 days ago
7 days agoAadhar Housing Finance Limited shareholders approved the introduction of Employee Stock Option Plan 2025 with 97.39% votes in favor and its extension to group company employees with 94.07% approval. The postal ballot process concluded on November 17, 2025, with both special resolutions passing the requisite majority through remote e-voting conducted by NSDL.
Aadhar Housing Finance Limited reported Assets Under Management (AUM) of Rs. 27,554 crores as of September 30, 2025, marking 21% year-on-year growth. Disbursements stood at Rs. 4,089 crores for the first half, representing 16% growth. The company maintained strong asset quality with gross NPAs at 1.42% and collection efficiency above 99%. Stage-II assets improved by approximately 20 basis points year-on-year. The company delivered profit after tax of Rs. 504 crores for H1 FY26 compared to Rs. 428 crores in H1 FY25, showing 18% growth. Portfolio yield exit stood at 13.8% with exit spread at 5.9%. The company expanded its network by adding 20 new branches during the quarter, reaching 611 branches across 22 states. Home loans comprise 73% of AUM while loan against property accounts for 27%. Balance transfer out improved to 5.4% from previous year. Management expressed confidence in meeting growth guidance for the financial year, citing favorable policy reforms and GST 2.0 framework benefits for affordable housing segment.
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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 |
|---|---|---|---|---|---|---|---|---|
105.14 | #1 87,606.17 | 37.58 | 9,576.00 | 25.71 | 2,163 | 17.85 | 31.85 | |
547.85 | 30,135.20 | #1 5.53 | #1 28,110.70 | 3.05 | #1 5,443 | 1.63 | 29.78 | |
876.40 | 22,830.97 | 10.98 | 7,691.60 | 8.99 | 1,936 | 23.82 | 39.10 | |
488.10 | #4 21,139.26 | #6 21.31 | #6 3,108.90 | #6 20.17 | #4 912 | #8 17.14 | 35.30 | |
280.70 | 14,052.92 | 16.66 | 1,798.40 | 27.62 | 751 | 24.51 | 40.87 | |
1,624.40 | 12,858.97 | 26.38 | 2,020.70 | 25.46 | 491 | 14.85 | 52.35 | |
150.40 | 12,458.50 | 10.25 | 8,683.30 | 0.68 | -1,808 | #1 111.17 | 33.17 | |
883.20 | 11,760.17 | 12.74 | 3,879.60 | 10.07 | 857 | 18.87 | 60.73 | |
1,124.80 | 11,648.49 | 27.15 | 1,539.20 | 33.09 | 382 | 43.06 | 39.60 | |
869.65 | 9,411.88 | 21.77 | 1,175.90 | #1 36.51 | 378 | 35.41 | 49.22 |
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 | -1,202 | -907 | -1,156 | -2,550 | -3,027 |
| Financing Activities | 3,356 | 3,701 | 701 | 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 | Sept 2025 |
| Promoter | 98.72 % | 98.72 % | 98.72 % | 76.48 % | 75.89 % | 75.74 % | 75.61 % | 75.50 % | 75.32 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 4.17 % | 4.33 % | 4.30 % | 5.32 % | 5.58 % | 6.10 % |
| DIIs | 0.00 % | 0.00 % | 0.00 % | 8.59 % | 9.46 % | 9.27 % | 8.57 % | 8.44 % | 8.25 % |
| Government | 0.00 % | 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 % | 7.25 % |
| Others | 1.28 % | 1.28 % | 1.28 % | 3.50 % | 3.15 % | 3.17 % | 3.17 % | 3.18 % | 3.09 % |
| No of Share Holders | 51 | 51 | 51 | 2,39,696 | 2,20,338 | 2,19,626 | 2,09,369 | 2,02,739 | 1,97,894 |
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 |
| 07 Nov 2025 | Quarterly Result Announcement | NA | 07 Nov 2025 | 511.50 | 498.90 |
Announcements
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS3 days ago
3 days ago Shareholder Meeting / Postal Ballot-Scrutinizer"s Report7 days ago
7 days agoShareholder Meeting / Postal Ballot-Outcome of Postal_Ballot7 days ago
7 days agoAnnouncement Under Regulation 30 Of SEBI(LODR) Regulations 2015Nov 11, 2025
Nov 11, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptNov 11, 2025
Nov 11, 2025Announcement under Regulation 30 (LODR)-Credit RatingNov 10, 2025
Nov 10, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 09, 2025
Nov 09, 2025Intimation Under Regulation 30 And Regulation 51 Of SEBI (LODR) Regulations 2015Nov 08, 2025
Nov 08, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 07, 2025
Nov 07, 2025Statement Of Deviation/ Variation Under Regulation 32 And 52(7A) Of SEBI (LODR) Regulations 2015Nov 07, 2025
Nov 07, 2025Announcement under Regulation 30 (LODR)-Monitoring Agency ReportNov 07, 2025
Nov 07, 2025Announcement under Regulation 30 (LODR)-Investor PresentationNov 07, 2025
Nov 07, 2025Announcement under Regulation 30 (LODR)-Change in ManagementNov 07, 2025
Nov 07, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseNov 07, 2025
Nov 07, 2025Unaudited Results For Quarter Ended 30Th September 2025Nov 07, 2025
Nov 07, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On 7Th November 2025Nov 07, 2025
Nov 07, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 03, 2025
Nov 03, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Nov 03, 2025
Nov 03, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Nov 01, 2025
Nov 01, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 29, 2025
Oct 29, 2025Board Meeting Intimation for Meeting To Be Held On 7Th November 2025.Oct 29, 2025
Oct 29, 2025Asset Liability Management (ALM) statementOct 29, 2025
Oct 29, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 18, 2025
Oct 18, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotOct 17, 2025
Oct 17, 2025Certificate from CEO/CFOOct 15, 2025
Oct 15, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 13, 2025
Oct 13, 2025Announcement under Regulation 30 (LODR)-Change in ManagementOct 10, 2025
Oct 10, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesOct 10, 2025
Oct 10, 2025Board Meeting Outcome for Outcome Of Board Meeting- Reg 30Oct 10, 2025
Oct 10, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 07, 2025
Oct 07, 2025Board Meeting Intimation for Prior Intimation Of Upcoming Board Meeting Of The Company.Oct 07, 2025
Oct 07, 2025Announcement under Regulation 30 (LODR)-Change in ManagementOct 01, 2025
Oct 01, 2025Closure of Trading WindowSep 26, 2025
Sep 26, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 20, 2025
Sep 20, 2025Announcement 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, 2025Mutual Fund Holdings
Franklin India Large & Mid Cap Fund Direct-Growth 
Axis Momentum Fund Direct - Growth 
Edelweiss Recently Listed IPO Fund Direct-Growth 
WhiteOak Capital Multi Asset Allocation Fund Direct - Growth 
JM Value Fund Direct Plan-Growth 
HDFC Multi Cap Fund Direct - Growth 
Bandhan Financial Services Fund Direct-Growth 
Nippon India Nifty Smallcap 250 Index Fund Direct - Growth 
JioBlackRock Nifty Smallcap 250 Index Fund Direct - Growth 
Motilal Oswal Nifty Smallcap 250 Index Fund Direct - Growth 
ICICI Prudential Nifty Smallcap 250 Index Fund Direct - Growth 
SBI Nifty 500 Index Fund Direct-Growth 
Navi Nifty 500 Multicap 50:25:25 Index Fund Direct-Growth 
Kotak Nifty Smallcap 250 Index Fund Direct-Growth Technical Indicators
RSI(14)
Neutral 35.30
ATR(14)
Volatile 11.38
STOCH(9,6)
Neutral 27.68
STOCH RSI(14)
Oversold 5.03
MACD(12,26)
Bearish -1.39
ADX(14)
Weak Trend 18.40
UO(9)
Bearish 38.77
ROC(12)
Downtrend And Accelerating -2.85
WillR(14)
Oversold -86.49
About Aadhar Housing Finance
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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