Aadhar Housing Finance Limited — PPTs, 05-05-2026: Investor Presentation

Aadhar Housing Finance delivered strong FY26 results, with Assets Under Management (AUM) growing 20% to ₹30,571.3 Cr and Profit After Tax (PAT) up 22% to ₹1,108.3 Cr (excluding a one-time labour code impact). Disbursements increased 17% to ₹9,555.7 Cr, driven by their core focus on low-income housing. The company maintained robust asset quality with GNPA at 1.08% and improved Return on Assets (ROA) to 4.4%.

Strategically, Aadhar leverages an extensive network of 626 branches across 22 states for deep market penetration. A key growth driver is their digital-first operating model, integrating AI/ML for enhanced credit underwriting, collections, and operational efficiency. Recent positive developments include a rating upgrade to AA+/Stable from CARE. Management emphasizes their social objectives and strong technology platform, positioning them to benefit from significant affordable housing opportunities and government initiatives like PMAY 2.0.