Aadhar Housing Finance Limited — PPTs, 07-11-2025: Investor Presentation

Aadhar Housing Finance delivered strong unaudited financial results for H1 FY26, showcasing robust growth in the low-income housing segment.

**Business Performance:** Assets Under Management (AUM) surged 21% YoY. Profit After Tax (PAT) increased 18% YoY, with disbursements up 16% YoY. Asset quality was stable, reporting GNPA at 1.4%, alongside a healthy 4.2% Return on Assets (ROA) and improved 36.1% Cost to Income ratio.

**Growth Drivers/Strategy:** The company leverages a vast 611-branch network, including "Deep Impact" units in remote towns, targeting low-income housing with a 100% secured retail loan book. A key pillar is its digital-first operating model, integrating 40+ fintech solutions for streamlined acquisition, processing, and collections. Future focus enhances risk analytics with AI/ML tools.

**Recent Developments:** Aadhar HFC's credit rating was upgraded to AA+/Stable. Significant operational milestones include AUM surpassing ₹27,600 Cr and the customer base exceeding 3,15,000.

**Key Financial Metrics:** AUM: ₹27,553.7 Cr (+21% YoY). PAT: ₹503.8 Cr (+18% YoY). Disbursements: ₹4,089 Cr (+16% YoY). GNPA: 1.4%. ROA: 4.2%.

**Outlook:** Management foresees substantial opportunity in India's affordable housing market, driven by urbanization, rising disposable incomes, and supportive government schemes like PMAY. The low mortgage-to-GDP ratio signals significant growth potential, with continued commitment to financial inclusion.