Aadhar Housing Finance: Aadhar Housing Finance Limited (Aadhar Housing Finance) announced its unaudited financial results for the quarter ended June 30, 2026. The company has registered a strong start to FY27 on the back of strong growth in AUM, stable asset quality and sustained profitability. With the strong performance in the quarter, the company is well positioned to achieve the targets set for the year.
Performance Highlights – First Quarter of FY2027
Assets under management (AUM) increased by 18% YoY from Rs 26,524 crore as on June 30, 2025 to Rs 31,364 crore as on June 30, 2026. Total loan accounts as on June 30, 2026 were over 3,40,000. Profit after tax increased by 19% YoY from Rs 237 crore in Q1 FY26 to Rs 282 crore in Q1 FY27. Net worth as on June 30, 2026 stood at Rs 7,853 crore. Return on assets (ROA) stood at 4.0% and return on equity (ROE) stood at 14.7% in Q1 FY27. Gross NPA was 1.3% as on June 30, 2026, reflecting stable asset quality.
Growth momentum maintained
Commenting on the performance in the first quarter of FY27, Rishi Anand, Managing Director (MD) and Chief Executive Officer (CEO), Aadhar Housing Finance Limited said: “Aadhar Housing Finance has started FY27 on a solid note, maintaining its growth momentum with good business expansion, consistent distribution growth and stable asset quality. Assets under management (AUM) stood at Rs 31,364 crore as on June 30, 2026, registering a growth of 18% YoY, while profit after tax for the quarter stood at Rs 282 crore, growing by 19% YoY.
Favorable working environment continues this quarter
The favourable operating environment for the low-income housing finance sector continued during the quarter, supported by stable demand, stable affordability and continued strong potential in the secondary and tertiary markets. Long-term fundamentals remain strong, driven by low mortgage expansion, increasing urbanization and the high need for affordable housing, especially among the economically weaker sections and low-income groups in the country. With the implementation of PMAY-U 2.0 accelerating and credit conditions easing, the outlook for the sector is positive, and housing finance companies are well positioned to capitalise on these opportunities through their diversified financing profiles and stable availability of liquidity.
Improvement in branch productivity
We are committed to increasing the availability of housing finance in underserved markets with high growth potential. Our ‘Urban and Emerging’ branch model is driving this strategy, and our network has expanded to 628 branches across 22 states and union territories. We are poised to capitalize on the growing demand for affordable housing finance by improving branch productivity along with deeper market penetration.
Ensure proper human supervision
Our continued investment in technology is further strengthening the way we sanction, appraise and service loans. This quarter, we have enhanced our AI and digital capabilities across key business processes, improving efficiency, credit assessment and customer experience. While developing these capabilities, we are ensuring appropriate human oversight, and are committed to strong governance by aligning our AI framework with the RBI’s draft Model Risk Management Guidelines.
Excellent execution and disciplined risk management are at the core of our approach. Through rigorous risk assessment, effective recovery and a robust risk framework, we are driving productivity and maintaining portfolio stability while delivering sustainable growth.
Support from favorable structural factors
“Supported by favorable structural factors for the low-income housing finance sector, we believe that Aadhar Housing Finance is poised for the next phase of its growth. Our focus remains on increasing home ownership, strengthening operational efficiencies and maintaining superior underwriting standards to create long-term value for customers, shareholders and all stakeholders.” The company’s strong momentum in the first quarter reinforces its confidence in achieving its medium-term targets on distribution, AUM and profitability.