Aadhar Housing Finance Limited — PPTs, 25-07-2025: Investor Presentation

Here is the summary of the attached file:

**1. Financial Highlights:**

Aadhar Housing delivered strong Q1 FY26: AUM +22% YoY to ₹26,524.1 Cr, PAT +19% to ₹237.3 Cr. Disbursements jumped 32% to ₹1,978.6 Cr. Asset quality stable (GNPA 1.34%), NIM at 8.8%, RoA 4.0%. Tier I Capital Adequacy strong at 44.1%.

**2. Strategic Initiatives & Growth Drivers:**

Growth is driven by a deep focus on low-income housing via 591 branches. Digital-first operations and AI/ML integrations boost efficiency. Government housing schemes offer strong market tailwinds, supporting expansion into underserved segments.

**3. Business Developments:**

Financial foundation strengthened with an AA+/Stable rating upgrade and diversified borrowing relationships. Q1 FY26 results reflect the IPO's positive net worth impact. Increased NHB refinancing enhances balance sheet stability and long-term funding.

**4. Market Position & Competitive Advantage:**

Aadhar Housing leads in affordable housing with a seasoned model, granular salaried portfolio, and pan-India reach. Analytics-driven underwriting and a strong management team provide a competitive edge in operations and risk control.

**5. Investor Implications:**

Consistent growth, stable asset quality, and robust capital signal positive potential. The tech-driven approach and focus on high-demand segments position the company for sustained profitability and market share expansion with manageable risks.