AADHARHFC · price
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Aadhar Housing Finance reported strong FY26 results with AUM of ₹305.7 billion, up 20% YoY, and PAT of ₹11.1 billion (excluding one-time labour code impact of ₹159 million), up 22% YoY. Disbursements grew 17% to ₹96 billion. The company maintained stable asset quality with GNPA at 1.08%, spread improved by 13 bps to 5.8%, and ROA reached 4.4%. The loan book is 100% secured retail with 63% of AUM from EWS/LIG customers and an average ticket size of ₹1.1 million. The company operates 626 branches across 22 states serving 336,000 live accounts with 42 borrowing relationships and a recent rating upgrade to AA+/Stable by CARE. The company is Blackstone-backed and listed with a net worth of ₹75 billion.
The company delivered consistent 20%+ growth in AUM and PAT with improving spreads and asset quality, demonstrating a healthy franchise in the affordable housing segment. The rating upgrade to AA+ and positive ALM position strengthen the liability profile.