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 released its comprehensive investor presentation for Q3FY26 and nine months ended December 31, 2025, providing detailed insights into the company's strong financial performance and strategic initiatives. The presentation was made available following the earnings conference call conducted on January 30, 2026.

Strong Nine-Month Performance Highlights

The company delivered robust financial results for the nine-month period, demonstrating consistent growth across key metrics:

Asset Quality and Portfolio Metrics

Aadhar Housing Finance maintained strong asset quality indicators with its entirely secured retail book:

Operational Excellence and Network Expansion

The company's operational metrics reflect strong execution capabilities and market reach. With 621 branches across 22 states and union territories, Aadhar Housing Finance has established a comprehensive distribution network focusing on the affordable housing segment.

Financial Strength and Funding Profile

The presentation highlighted the company's robust financial position with diversified funding sources and positive asset-liability management across all buckets. The company maintains a strong capital adequacy ratio of 44.1% (Tier I) and has received rating upgrades from CARE to AA+/Stable.

Technology and Digital Initiatives

Aadhar Housing Finance has invested significantly in digital infrastructure, implementing end-to-end TCS-enabled core systems and comprehensive digital capabilities across customer acquisition, processing, and servicing. The company's data analytics maturity has evolved to support predictive and prescriptive analytics for credit, collections, and risk management.

Source: Company Investor Presentation