Aadhar Housing Finance Posts Strong FY26 Growth

08 May 2026 CW Team

Aadhar Housing Finance Ltd reported audited results for the quarter and year ended 31 March 2026 and delivered robust growth in assets, disbursements and profitability. The company said assets under management (AUM) reached Rs 305.71 billion (bn), marking year?on?year growth of twenty per cent, and total disbursements for the year rose to Rs 95.56 bn. Profit after tax for FY26 was Rs 11.08 bn, up 22 per cent from the prior year.

In the fourth quarter, the company reported disbursements of Rs 30.87 bn and a quarterly profit after tax of Rs 3.11 bn, each recording double-digit gains year on year. Net worth stood at Rs 75.41 bn as of 31 March 2026, and return on assets for the year was 4.4 per cent, while return on equity was 15.9 per cent. Gross non-performing assets remained low at 1.08 per cent, signalling stable credit quality.

The branch network expanded to 626 outlets across 22 states and union territories, deepening reach into semi-urban and rural markets. The total number of loan accounts exceeded 336,000, and the average loan size was Rs 1.1 million (mn), reflecting focus on economically weaker sections and low-income groups. Management indicated that the strategic urban and emerging branch model and disciplined underwriting supported demand led by first-time homebuyers in emerging markets. The company also reported focused investments in artificial intelligence and data analytics that have begun to improve turnaround times, underwriting and collections efficiency.

Management said the company is well-positioned to sustain growth in the affordable housing segment on the back of favourable structural drivers and improving operating leverage. The firm will continue to focus on expanding its presence in underserved markets, improving productivity and leveraging technology across the loan lifecycle. The company reiterated that portfolio quality and disciplined execution remain priorities while aiming to deliver consistent returns.

Infrastructure Urban

08 May 2026

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