investor presentation
Awaiting price reaction for this filing.
Aadhar Housing Finance shared its Q4 and FY25 investor presentation on May 6, 2025, along with a conference call. The company reported Assets Under Management (AUM) of ₹25,531 crore, up 21% year-on-year, with Profit After Tax of ₹912 crore, up 22%. Disbursements grew 16% to ₹8,192 crore, supported by 580 branches across 21 states serving 2.99 lakh live customers. Net Interest Margin expanded by 18 basis points to 9.1%, and Return on Assets improved by 11 basis points to 4.3%. Asset quality remained strong with Gross NPA at 1.05%, improving 3 basis points, while Cost-to-Income ratio dropped 104 basis points to 36.4%. The company is backed by Blackstone as promoter and has a diversified borrowing base with 43 lender relationships and AA/Stable credit ratings from CARE, ICRA, and India Ratings. Net worth stood at ₹64 billion, boosted by a ₹1,000 crore IPO primary infusion in H1 FY25.
The presentation reinforces a positive growth and profitability story with improving margins, stable asset quality, and expanding distribution. Shareholders can expect continued momentum in the affordable housing finance segment, supported by a strong capital base and Blackstone backing, though future performance will depend on maintaining spreads and managing credit costs.