Aadhar Housing Finance Limited — PPTs, 30-01-2026: Investor Presentation

Aadhar Housing Finance delivered strong 9M FY26 results. Assets Under Management (AUM) grew 20% YoY to ₹28,790 Cr, with adjusted Profit After Tax (PAT) also up 20% to ₹797.4 Cr. Disbursements increased 15% YoY to ₹6,469.1 Cr. The company reported a healthy 4.4% Return on Assets and a spread of 6.0% (+16bps YoY), while Gross Non-Performing Assets (GNPA) stood at 1.4% (+2bps YoY).

Strategically, Aadhar focuses on the low-income housing segment through its 621-branch network across 22 states. Growth is driven by a digital-first operating model, including paperless onboarding and advanced data science for risk underwriting and collections. Recent highlights include a credit rating upgrade to AA+/Stable and serving over 324,000 customers. Management is focused on operational efficiency, robust risk analytics, and capitalizing on India's vast affordable housing market, supported by government initiatives like PMAY.