Aadhar Housing Finance Limited delivered strong financial performance in Q3FY26, reporting significant growth across key metrics for the quarter ended December 31, 2025. The housing finance company's profit after tax surged 17.5% year-on-year to ₹281.19 crore, demonstrating robust operational momentum.

Financial Performance Highlights

The company's standalone financial results showed impressive growth momentum across revenue streams. Total income increased 18.2% year-on-year to ₹943.72 crore, primarily driven by strong interest income performance.

Nine-Month Performance

For the nine months ended December 31, 2025, the company maintained strong growth trajectory with total income reaching ₹2,694.19 crore, up from ₹2,274.87 crore in the corresponding period last year.

Operational Metrics and Asset Quality

The company's operational performance remained strong with Assets Under Management (AUM) growing to ₹2,878.99 crore. Asset quality indicators showed stability with Gross NPA at 1.42% and Net NPA at 0.97%.

Exceptional Items and Labour Code Impact

The quarter's results included an exceptional item of ₹15.92 crore related to the implementation of new Labour Codes notified by the Government of India on November 21, 2025. These codes consolidate 29 existing labour laws and introduce changes including a uniform definition of wages, resulting in increased liability towards gratuity and compensated absences.

Business Expansion and Network Growth

The company continued its expansion strategy, operating 621 branches across 22 states as of December 31, 2025, compared to 557 branches in 21 states in the previous year. During the nine months, disbursements reached ₹6,469.08 crore, reflecting strong business momentum.

Corporate Developments

During the quarter, the company allotted 7,03,580 equity shares pursuant to employee stock option plan exercise. The company's promoter BCP Topco VII Pte. Ltd. has entered into a Share Purchase Agreement with BCP Asia II Holdco VII Pte. Ltd. for selling up to 28,20,52,121 equity shares representing 64.14% of expanded voting share capital at a price not exceeding ₹425 per equity share.

The Board of Directors approved these unaudited standalone and consolidated financial results at their meeting held on January 30, 2026, with the audit committee's review and recommendation.

Source: Company Filing

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.