Aadhar Housing Finance recorded a year-on-year growth in the net profit (PAT) after tax in the first quarter of FY 26, which was ₹ 2,373 million. The company’s assets under management (AUM) increased by 22 percent, which increased to ₹ 265,241 million, and disburses increased by 32 percent, which increased to ₹ 19,786 million.
| Details | Q1 FY26 | Q1 FY25 | Yoy change |
|---|---|---|---|
| Assets Under Management (AUM) | ₹ 265,241 million | ₹ 217,263 million | +22 percent |
| Net Profit (PAT) after tax | ₹ 2,373 million | ₹ 2,001 million | +19 percent |
| Disbursement | ₹ 19,786 million | ₹ 14,967 million | +32 percent |
| Gross non-performing assets (gNPA) | 1.34 percent | 1.3 percent | +3 bps |
| Net Interest Margin (NIM) | 8.8 percent | 8.9 percent | -10 bps |
| Return on Assets (ROA) | 4.0 percent | 4.06 percent | -6 bps |
Financial results
The Aadhar Housing Finance has shown a good increase in AUM and Dysbersment. The Q1 FY26 increased by 22 percent year-on-year in AUM, reaching ₹ 265,241 million. The disbursement also saw a significant increase of 32 percent year after year, which was ₹ 19,786 million. The company’s net worth was ₹ 66 billion, with 306,000 live accounts.
Asset quality
The company has maintained stable asset quality with GNPA of 1.34 percent by June 2025. The loan-to-value (LTV) ratio is approximately 59 percent, and about 56 percent of AUM is salaried customers.
Distribution network
Aadhar Housing Finance has an all India appearance with 591 branches in 22 states and union territories. The company focuses on low -income housing segment, which has an average ticket size ₹ 1.0 million.
Funding and liabilities
The company has diverse funding sources and maintains positive asset liability management (ALM) in all buckets. Aadhar Housing Finance has 43 borrowed relations and has received AA+/Stable rating upgrade by Care Rating.
Company observation
Aadhar Housing Finance focuses on a low -income housing segment in India, whose ticket size is less than 1.5 million. The company has 100 percent safe retail loan book and is a granular portfolio bowing towards salaried customers. The company’s business model is technology-enabled in various tasks.
Main milestone
Aadhar Housing Finance was included in FY1 11 and since then it has obtained several milestones including ₹ 211 billion in FY 24 and ₹ 255 billion in FY 25 in FY 25. The company was acquired by the Blackstone Group in June 2019 and is listed on NSE and BSE.