Aadhar Housing Finance Limited has released its comprehensive investor presentation for Q3FY26 and nine months ended December 31, 2025, providing detailed insights into the company's strong financial performance and strategic initiatives. The presentation was made available following the earnings conference call conducted on January 30, 2026.

Strong Nine-Month Performance Highlights

The company delivered robust financial results for the nine-month period, demonstrating consistent growth across key metrics:

Asset Quality and Portfolio Metrics

Aadhar Housing Finance maintained strong asset quality indicators with its entirely secured retail book:

Operational Excellence and Network Expansion

The company's operational metrics reflect strong execution capabilities and market reach. With 621 branches across 22 states and union territories, Aadhar Housing Finance has established a comprehensive distribution network focusing on the affordable housing segment.

Financial Strength and Funding Profile

The presentation highlighted the company's robust financial position with diversified funding sources and positive asset-liability management across all buckets. The company maintains a strong capital adequacy ratio of 44.1% (Tier I) and has received rating upgrades from CARE to AA+/Stable.

Technology and Digital Initiatives

Aadhar Housing Finance has invested significantly in digital infrastructure, implementing end-to-end TCS-enabled core systems and comprehensive digital capabilities across customer acquisition, processing, and servicing. The company's data analytics maturity has evolved to support predictive and prescriptive analytics for credit, collections, and risk management.

Source: Company Investor Presentation

Aadhar Housing Finance Limited has successfully completed the full redemption of its Non-Convertible Debentures (NCDs) on the scheduled maturity date, demonstrating the company's commitment to honoring its debt obligations. The housing finance company fulfilled both interest payment and principal redemption requirements on January 29, 2026.

Interest Payment Details

The company made its annual interest payment as scheduled, maintaining its track record of timely payments. The interest payment structure reflects the company's adherence to regulatory requirements under SEBI regulations.

The interest payment was made after deducting TDS at 10%, amounting to Rs. 2,57,850, in accordance with Section 193 of the Income Tax Act, 1961.

NCD Redemption Completion

The company executed a full redemption of its NCDs upon maturity, completing the entire debt obligation as per the original terms. The redemption process was carried out without any delays or complications.

Regulatory Compliance

The certification was issued under Regulation 57 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, in compliance with SEBI Circular dated July 11, 2025. The company confirmed that it has made timely payment of both interest and principal amounts on the due dates for its privately placed and listed NCDs.

The successful completion of this NCD redemption demonstrates Aadhar Housing Finance Limited's financial discipline and commitment to meeting its debt service obligations. The company has maintained a clean payment record throughout the tenure of these debentures, with no instances of delays or defaults reported.