Aadhar Housing Finance Limited has announced a reduction in its Retail Prime Lending Rate (RPLR) by 15 basis points, with the new rates taking effect from February 10, 2026. The decision reflects the company's strategic approach to interest rate management in the current market environment.

Board Approval and Regulatory Compliance

The Board of Directors approved the rate reduction at their meeting held on January 30, 2026, following recommendations from the Asset Liability Management Committee (ALCO). The company has duly informed both BSE Limited and National Stock Exchange of India Limited about this decision under Regulation 30 and 51 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Market Impact and Customer Benefits

The 15 basis points reduction in RPLR is expected to make home financing more affordable for retail customers. This move aligns with the company's commitment to providing competitive lending rates in the housing finance sector. The timing of the implementation, scheduled for February 10, 2026, provides adequate notice to both existing and prospective borrowers.

Corporate Communication

Company Secretary and Compliance Officer Harshada Pathak (ACS: 19534) signed the regulatory filing, ensuring proper compliance with disclosure requirements. The company has made the information accessible on its official website at aadharhousing.com for stakeholder reference.

This rate adjustment demonstrates Aadhar Housing Finance Limited's proactive approach to interest rate management and its focus on maintaining competitive positioning in the retail lending market.

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