Aadhar Housing Finance Limited — Investor Meet, 31-07-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Aadhar Housing Finance kicked off FY26 strong with AUM reaching ₹26,524 Cr, up 22% YoY, and disbursements at ₹1,979 Cr, growing 32% YoY. PAT rose 19% to ₹237 Cr. Asset quality remains healthy with GNPA at 1.34%, considered stable due to seasonality. Average ticket size on AUM is ₹10 lakh, with home loans comprising 73%. Cost-to-income improved to 36.1%. The company is expanding into 'emerging' regions with higher yield potential (14.5-16%). Management is confident of sustained 20-22% AUM growth and aims for 4.2-4.3% ROA this fiscal year, with positive outlook from CARE and ICRA reflecting robust performance and strategic focus.