What the business is, and whether it's a good one at a fair price.
Lends primarily for affordable housing and loan against property (LAP) to retail customers, with on-book AUM of ₹31,364 crore as of Q1 FY27, up 18% year-on-year. The portfolio is split 73% home loans and 27% LAP, with an average ticket size of ₹10.9 lakhs and average loan-to-value around 60%, targeting salaried (around 55-56% of AUM) and self-employed borrowers in tier-2/tier-3 markets. Distribution runs through 628 branches across 22 states, serving 3.4 lakh+ loan accounts, including a newly launched urban-vs-emerging branch strategy targeting ~750 branches by FY28 at 50-60 additions per year. Earnings come from the spread between lending rates and cost of funds: total borrowings of ₹18,744 crore (Q4 FY26) were sourced from banks (51%), NHB (22%), NCDs (19%), ECBs (5%) and others (4%), at an exit cost of funds of 7.71%, producing a spread of 5.82%. Operating costs are dominated by employee expenses (15.1% of FY26 revenue) and other opex (6.7%), with cost-to-income at 34.1% in Q1 FY27. Asset quality is tight (GNPA 1.31%, collection efficiency above 99.8%) and the book is 100% secured and retail, with ROA of 4.0%, ROE of 14.7% and CRAR of 43.39% in Q1 FY27.
Measured from the filed financials, judged against its Housing Finance Company peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from AADHAR HOUSING FINANCE L's filed financials and exchange disclosures
AADHAR HOUSING FINANCE L is a Finance company listed on NSE and BSE, trading under the symbol AADHARHFC.
Yes. Over the trailing twelve months AADHAR HOUSING FINANCE L reported a net profit of ₹1,141 Cr on revenue of ₹3,817 Cr.
Not in the latest reported year — AADHAR HOUSING FINANCE L's dividend payout for FY26 was nil.
Effectively yes. It holds ₹715 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, AADHAR HOUSING FINANCE L ranks 11 of 17 in Housing Finance Company — cheaper than 38% of them, against an industry median of 13.3×. This is a position, not a valuation judgement.
On a typical session AADHAR HOUSING FINANCE L moves 0.88% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by AADHAR HOUSING FINANCE L appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
