Aadhar Housing Finance Limited has filed its mandatory half-yearly statement of debt securities with BSE, providing comprehensive details of its active Non-Convertible Debenture (NCD) portfolio as of March 31, 2026. The submission, made in compliance with SEBI Master Circular requirements, covers both secured and unsecured debt instruments issued through private placement and public issue routes.

Active NCD Portfolio Overview

The aadhar housing finance statement reveals 24 active NCD series with diverse characteristics and maturity profiles. The portfolio includes both fixed-rate and floating-rate instruments, catering to different investor preferences and market conditions.

Interest Rate and Maturity Structure

The NCD portfolio demonstrates a well-distributed maturity profile spanning from 2026 to 2032. Fixed-rate instruments offer coupon rates between 7.76% and 10.00%, while floating-rate NCDs are linked to various benchmark rates including repo rate, SBI 3M MCLR, and Mumbai Inter-Bank rates.

Recent Issuances

The company's recent fundraising activity includes three NCD series issued in 2025:

Payment Structures and Features

The NCD portfolio offers varied payment frequencies to suit different investor requirements:

• Annual payments: Most traditional NCDs follow yearly interest payments with principal repayment at maturity
• Semi-annual payments: Several series provide half-yearly principal plus interest payments
• Quarterly payments: Floating-rate instruments typically follow quarterly payment schedules
• Monthly payments: Select NCDs offer monthly payment options

Partial Redemptions and Outstanding Amounts

Several NCD series have undergone partial face value redemptions during the half-year period ended March 31, 2026. Notable examples include:

Regulatory Compliance

The submission was made by Company Secretary and Compliance Officer Harshada Pathak on April 6, 2026, in accordance with Chapter VIII para. No. 9.1 (a) of SEBI Master Circular No. SEBI/HO/DDHS/DDHSPoD/P/CIR/2025/0000000137 dated October 15, 2025. The filing excludes NCDs that have been fully redeemed or are no longer active in the BSE listing module.

The comprehensive NCD portfolio reflects Aadhar Housing Finance's diversified funding strategy, utilizing both fixed and floating rate instruments across different maturity buckets to optimize its cost of funds while meeting regulatory disclosure requirements.

Aadhar Housing Finance Limited has submitted its compliance certificate to BSE Limited confirming timely payment of interest on its Non-Convertible Debentures under Regulation 57 of SEBI regulations. The certificate, dated April 2, 2026, demonstrates the company's adherence to regulatory requirements for debt instrument servicing.

Interest Payment Details

The company made interest payments on its NCDs IPO Series with specific financial parameters outlined in its regulatory filing:

Payment Timeline and Compliance

The interest payment was scheduled for April 1, 2026, but was executed on April 2, 2026. This one-day delay was attributed to April 1, 2026 being a bank holiday due to annual closing of bank accounts. The company clarified that the payment on the succeeding working day complies with SEBI Master Circular dated October 15, 2025.

The interest amount of Rs.6,99,551 represents the post-TDS deduction figure, with Rs.58,860 deducted as TDS pursuant to omission of clause (ix) under section 193 of the Income Tax Act, 1961. The previous interest payment was made on March 2, 2026, maintaining the monthly payment schedule.

Regulatory Framework

The certificate was filed under Regulation 57 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, read with SEBI Master Circular No. SEBI/HO/DDHS/DDHS-PoD-1/P/CIR/2025/0000000103 dated July 11, 2025. The filing confirms there was no delay in payment and no change in the frequency of interest payments.

The certificate was signed by Harshada Pathak, Company Secretary & Compliance Officer, and copies were sent to Beacon Trusteeship Ltd. and depositories NSDL and CDSL, ensuring all stakeholders are informed of the timely compliance.