Aadhar Housing Finance Ltd , a leading player in India's low-income housing finance sector, has announced robust financial results for the second quarter and first half of fiscal year 2026, demonstrating strong growth across key metrics.

Strong Growth in Assets Under Management

The company reported a significant 21% year-on-year increase in Assets Under Management (AUM), reaching ₹27,554 crore as of September 30, 2025, up from ₹22,817 crore in the corresponding period last year. This growth underscores Aadhar Housing Finance's expanding footprint in the affordable housing segment.

Solid Financial Performance

For the first half of FY26, Aadhar Housing Finance posted impressive financial results:

The company's profitability showed strong momentum, with PAT growing by 18% year-on-year to ₹504.00 crore in H1 FY26.

Q2 FY26 Highlights

For the quarter ended September 30, 2025, Aadhar Housing Finance reported:

• Total Income of ₹899.00 crore, up 18% from ₹764.00 crore in Q2 FY25
• PAT of ₹266.00 crore, representing a 17% increase from ₹228.00 crore in the same quarter last year

Stable Asset Quality and Returns

The company maintained a stable asset quality profile, with Gross Non-Performing Assets (GNPA) at 1.42% as of September 30, 2025, compared to 1.29% a year ago. Return on Assets (ROA) for H1 FY26 remained steady at 4.2%, while Return on Equity (ROE) stood at 15.1%.

Expanding Customer Base

Aadhar Housing Finance's total number of loan accounts reached over 3,15,000 as of September 30, 2025, indicating the company's growing reach in providing affordable housing solutions.

Management Commentary

Rishi Anand, MD & CEO of Aadhar Housing Finance Ltd, commented on the results: "We concluded the first half of FY26 on a strong note, driven by healthy operational performance and steady demand across the affordable housing finance segment. Our AUM stood at ₹27,554 crore, reflecting a year-on-year growth of 21%. Profit after Tax for H1 FY26 was ₹504 crore, marking a growth of 18% YoY."

Anand also highlighted the potential impact of recent policy changes, stating, "The recent GST rationalisation under the 'GST 2.0' framework is a timely and welcome reform for the affordable housing ecosystem. It is expected to have a positive cascading impact, making loan ticket sizes more affordable, improving credit demand quality, and furthering financial inclusion."

Outlook

With a pan-India presence across 22 states and union territories, and a customer base exceeding 3.15 lakh, Aadhar Housing Finance is well-positioned to capitalize on the growing demand for affordable housing. The company remains focused on its mission to enable home ownership for low-income families, supported by a strong balance sheet and favorable policy tailwinds.

As the affordable housing sector continues to evolve, Aadhar Housing Finance's robust financial performance and strategic focus on the Economically Weaker Section (EWS) and Low Income Group (LIG) segments position it strongly for sustained growth in the coming quarters.

Aadhar Housing Finance Ltd , a leading player in India's affordable housing finance sector, has announced its financial results for the second quarter and first half of fiscal year 2026, showcasing robust growth across key metrics.

Strong Financial Performance

The company reported a consolidated net profit of ₹266.47 crore for the quarter ended September 30, 2025, marking a 17% increase from ₹227.51 crore in the same period last year. For the half-year, net profit grew by 18% to ₹503.75 crore, compared to ₹427.65 crore in H1 FY25.

Total income for Q2 FY26 rose to ₹899.26 crore, up 18% from ₹764.28 crore in Q2 FY25. The half-yearly income also saw an 18% increase, reaching ₹1,750.60 crore.

Asset Growth and Quality

Aadhar Housing Finance's Assets Under Management (AUM) grew significantly, reaching ₹27,554 crore as of September 30, 2025, a 21% year-on-year increase. This growth reflects the company's expanding presence in the affordable housing segment.

The company maintained its asset quality with a Gross Non-Performing Assets (GNPA) ratio of 1.42% as of September 30, 2025, compared to 1.29% a year ago. The Net NPA stood at 1.0%, indicating effective management of credit risk.

Key Financial Metrics

Operational Highlights

The company's loan book expansion was supported by a 16% year-on-year growth in disbursements, which reached ₹4,089 crore for H1 FY26. Aadhar Housing Finance's customer base expanded, with the total number of loan accounts surpassing 3,15,000 as of September 30, 2025.

Management Commentary

Rishi Anand, MD & CEO of Aadhar Housing Finance Ltd, commented on the results: "We concluded the first half of FY26 on a strong note, driven by healthy operational performance and steady demand across the affordable housing finance segment. Our AUM stood at ₹27,554 crore, reflecting a year-on-year growth of 21%. Profit after Tax for H1 FY26 was ₹504 crore, marking a growth of 18% YoY."

Anand also highlighted the potential impact of recent policy changes, stating, "The recent GST rationalization under the 'GST 2.0' framework is a timely and welcome reform for the affordable housing ecosystem. It is expected to have a positive cascading impact, making loan ticket sizes more affordable, improving credit demand quality, and furthering financial inclusion."

Market Position and Outlook

With a pan-India presence across 22 states and union territories, Aadhar Housing Finance operates through 611 branches. The company's focus on the Economically Weaker Section (EWS) and Low Income Group (LIG) segments, particularly in semi-urban and rural areas, positions it well to capitalize on the growing demand for affordable housing.

The management expressed confidence in the sector's growth momentum, citing government initiatives such as PMAY-Urban 2.0 and Angikaar 2025, along with a stable macroeconomic environment, as factors likely to accelerate demand in the EWS and LIG segments.

As Aadhar Housing Finance continues to strengthen its market position, the company remains committed to its mission of enabling home ownership for low-income families, supported by its strong balance sheet and favorable policy tailwinds.