Aadhar Housing Finance Limited — Investor Meet, 04-08-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Aadhar Housing Finance's Q1 FY27 saw PAT increase 19% to INR 282 Cr, with AUM growing 18% YoY to INR 31,364 Cr. Spreads held strong at 5.8%, supported by an urban-emerging market strategy. Asset quality improved, with GNPA at 1.31%. Management maintains its 20% AUM and profit growth guidance. Disbursement recognition shifted to check clearance, impacting Q1 but expecting Q2 to compensate. Key initiatives include AI integration, productivity, and planned branch expansion (45-50 for FY27). Controlled BT-out rates (5%) reflect robust retention. The management expresses confidence in disciplined growth and sustained profitability while monitoring external risks.