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 first half of fiscal year 2026, showcasing robust growth across key metrics.

Financial Performance

Aadhar Housing Finance reported a profit after tax of INR 5,038.00 million for H1FY26, representing an 18% growth compared to the same period in the previous year. Total income for the half-year also saw an 18% increase.

Asset Growth and Quality

The company's Assets Under Management (AUM) grew significantly, reaching INR 276.00 billion as of September 30, 2025, a 21% year-on-year increase. This growth reflects Aadhar Housing Finance's expanding presence in the affordable housing segment.

The company maintained its asset quality with a Gross Non-Performing Assets (GNPA) ratio of 1.40% as of September 2025.

Key Financial Metrics

Operational Highlights

The company's loan book expansion was supported by a 16% year-on-year growth in disbursements, which reached INR 41.00 billion for H1FY26. Aadhar Housing Finance's customer base expanded to over 315,000 live accounts as of September 30, 2025.

The company operates through 611 branches across 22 states and union territories, maintaining a 100% secured retail book focused on low-income housing segments with an average ticket size of INR 1.10 million.

Financial Efficiency

Aadhar Housing Finance's portfolio yield remained stable at 13.80% with a spread of 5.90%. The cost to income ratio improved by 30 basis points to 36.10% in H1FY26, indicating enhanced operational efficiency.

Credit Rating Upgrade

The company received a rating upgrade from CARE to AA+/Stable, reflecting its strong financial position and growth prospects.

Market Position

With its pan-India presence and focus on the Economically Weaker Section (EWS) and Low Income Group (LIG) segments, particularly in semi-urban and rural areas, Aadhar Housing Finance is well-positioned in the affordable housing finance market.

The company continues to strengthen its market position, supported by its strong balance sheet and focus on enabling home ownership for low-income families.