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

Strong AUM and Disbursement Growth

The company reported a significant 22% year-on-year increase in Assets Under Management (AUM), reaching ₹26,524.00 crore as of June 30, 2025, up from ₹21,726.00 crore in the same period last year. This growth was supported by a 32% rise in disbursements, which stood at ₹1,979.00 crore for Q1 FY26.

Profit and Financial Performance

Aadhar Housing Finance's Profit After Tax (PAT) saw a notable 19% year-on-year increase, rising to ₹237.00 crore in Q1 FY26 from ₹200.00 crore in Q1 FY25. The company's net worth grew by 17% to ₹6,616.00 crore, which includes the gross IPO proceeds from a primary infusion of ₹1,000.00 crore.

Key Financial Metrics

Operational Highlights

The company's customer base continued to expand, with the total number of loan accounts reaching over 3,06,000 as of June 30, 2025. Aadhar Housing Finance maintains a strong presence across 22 states and union territories, operating through 591 branches.

Management Commentary

Rishi Anand, MD & CEO of Aadhar Housing Finance Ltd, commented on the results: "We concluded the first quarter of FY26 on a strong note with an AUM of ₹26,524.00 crore, reflecting a YoY growth of 22%. Disbursements remained healthy at ₹1,979.00 crore, up 32% YoY, supported by sustained demand in the affordable housing segment."

He also highlighted recent developments, including a rating upgrade from CARE for the company's long-term bank facilities and non-convertible debentures to CARE AA+ from AA, maintaining a stable outlook. Additionally, Aadhar Housing Finance expanded its presence by opening a new branch in Guwahati, Assam.

Market Outlook

The company remains optimistic about the affordable housing finance sector, citing strong momentum supported by proactive government measures and rising demand. A key macro development noted was the RBI's third consecutive repo rate cut, reducing it by 50 basis points to 5.50% in June 2025, which is expected to enhance affordability for first-time and low-income homebuyers.

Aadhar Housing Finance's focus on serving low-income families across 22 states, coupled with its expanding branch network and growing customer base, positions the company well for continued growth in the affordable housing finance sector.

As the company moves forward in FY26, it aims to leverage its robust operational foundation and customer-centric strategy to further its growth trajectory while enabling more families to realize their dream of home ownership.

Aadhar Housing Finance Limited , a leading player in India's affordable housing finance sector, has announced strong financial results for the first quarter, demonstrating robust growth across key metrics.

Financial Highlights

• Assets Under Management (AUM) grew by 22% year-over-year to Rs. 26,524.00 crore
• Disbursements increased by 32% to Rs. 1,979.00 crore
• Profit After Tax (PAT) rose by 19% to Rs. 237.00 crore
• Net worth stood at Rs. 6,616.00 crore, up 17% from the previous year

Operational Performance

The company's performance in Q1 reflects its strong position in the affordable housing segment:

• Total number of loan accounts reached over 3,06,000
• Return on Assets (ROA) was 4.0%, compared to 4.1% in the same quarter of the previous year
• Gross Non-Performing Assets (GNPA) ratio stood at 1.34%, a slight increase from 1.31% in the previous year

Management Commentary

Rishi Anand, MD & CEO of Aadhar Housing Finance, commented on the results: "We concluded the first quarter on a strong note with an AUM of INR 26,524 crore, reflecting a YoY growth of 22%. Disbursements remained healthy at INR 1,979 crore, up 32% YoY, supported by sustained demand in the affordable housing segment."

Strategic Developments

The company highlighted several key developments during the quarter:

1. Credit Rating Upgrade: CARE Ratings upgraded Aadhar's long-term bank facilities and non-convertible debentures to CARE AA+ from AA, maintaining a stable outlook.
2. Geographical Expansion: Aadhar entered the Assam market with a new branch in Guwahati, extending its presence to 22 states.
3. Benefiting from Policy Support: The recent repo rate cut by the RBI to 5.50% is expected to enhance affordability for first-time and low-income homebuyers.

Market Position

Aadhar Housing Finance continues to strengthen its leadership in the affordable housing segment:

• Presence across 22 states and union territories
• Network of 591 branches covering 547 districts
• Focus on serving low-income families, with over 3,06,000 customers

Senior Management Changes

Aadhar Housing Finance disclosed changes in its senior management:

• Sreekanth V.N. will retire as Chief Compliance Officer effective August 14, 2025.
• Pratik Jariwala, currently Head of Internal Audit, will be appointed as the new Chief Compliance Officer for a three-year term starting August 15, 2025.
• Pulkit Maheshwari has been appointed as Head of Internal Audit effective July 26, 2025.

Employee Stock Option Grant

The Board of Directors has approved the grant of 90,000 employee stock options under the existing Employee Stock Option Plan 2020. The options are priced at Rs. 511.70 per option, based on the closing price on July 24, 2025, with a minimum vesting period of one year and an exercise period of two years after vesting.

As Aadhar Housing Finance continues to deliver strong financial results and expand its market presence, these strategic moves in management and employee incentives are expected to further support the company's growth trajectory in the affordable housing finance sector.