Aadhar Housing Finance Limited — PPTs, 06-02-2025: Investor Presentation

**Investor Presentation Summary for Aadhar Housing Finance Limited – Q3 FY25**

**Financial Highlights:**

Aadhar Housing Finance reported an impressive 22% increase in Profit After Tax (PAT) to ₹6,670 Mn for 9M FY25. The company's Total Income surged by 20% year-on-year to ₹22,751 Mn in the same period. Assets Under Management (AUM) reached ₹239,759 Mn, marking a 21% growth. The Gross Non-Performing Assets (GNPA) improved to 1.36%, reflecting effective asset quality management.

**Strategic Initiatives and Growth Drivers:**

The company continues to focus on low-income housing finance, with a robust portfolio comprising approximately 287,000 active retail accounts. Aadhar's digital transformation initiatives have streamlined processes, enhancing customer service and operational efficiency.

**Business Developments:**

The institution expanded its reach with 34 new branches in 9M FY25, further solidifying its presence across India. Aadhar maintains a positive Asset Liability Management (ALM) position, with a diverse funding structure that supports its growth.

**Market Position and Competitive Advantage:**

Aadhar's experienced management team and strategic partnerships position it well within the competitive landscape of housing finance. The focus on economically weaker segments underlines its commitment to social responsibility while capitalizing on market potential.

**Investor Implications:**

Given its strong growth metrics and strategic approach, Aadhar Housing Finance is poised for continued expansion. Investors should watch closely for further developments that capitalize on opportunities in the affordable housing sector, with a favorable outlook driven by government support and urbanization trends.