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 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.