| Metric | Value (₹ Cr) | Q3 FY26 | Q4 FY25 |
|---|---|---|---|
| Revenue | 984.56 | 4.4% | 18.3% |
| Total Income | 992.51 | 5.2% | 19.0% |
| Expenditure | 594.26 | 4.6% | 14.7% |
| PBT | 398.25 | 10.7% | 26.1% |
| Net Profit | 310.92 | 10.6% | 27.0% |
| OPM | 75.59% | 0.07pp | 0.78pp |
| NPM | 31.33% | 1.53pp | 1.97pp |
| EPS | 7.16 | 10.3% | 26.1% |
Aadhar Housing Finance: FY26 PAT up 22% to ₹1,108 Cr
05 May 2026 · 5 May, 5:11 pm
Summary
Aadhar Housing Finance Ltd reported robust financial performance for Q4 and the full year ended March 31, 2026. The company's Assets Under Management (AUM) expanded significantly by 20% year-on-year to ₹30,571 crore, while Profit after Tax (PAT) for FY26 increased by 22% to ₹1,108 crore. Q4 FY26 also saw strong growth, with PAT rising 27% year-on-year to ₹311 crore and record quarterly disbursements of ₹3,087 crore. Asset quality remained stable, with Gross NPA at 1.08%. Management expressed confidence in the medium-term outlook for the affordable housing segment, supported by structural drivers and continued execution focus.
Key Highlights
- 1
Assets under management (AUM) grew by 20% year-on-year to ₹30,571 crore as of March 31, 2026.
- 2
Disbursements for Q4 FY26 reached ₹3,087 crore, a 20% year-on-year growth, marking the highest-ever quarterly disbursements for the Company.
- 3
Profit after tax (PAT) for the full year FY26 increased by 22% year-on-year to ₹1,108 crore.
- 4
PAT for Q4 FY26 grew by 27% year-on-year to ₹311 crore.
- 5
The Company's net worth stood at ₹7,541 crore as of March 31, 2026, reflecting an 18% year-on-year increase.
- 6
Return on assets (ROA) was 4.4% and return on equity (ROE) was 15.9% for FY26.
- 7
Gross NPA as of March 31, 2026, remained stable at 1.08%, indicating healthy asset quality.
Management Comments
Mr. Rishi Anand
Aadhar Housing Finance has delivered strong performance in FY2026, marked by consistent growth and stable asset quality, while crossing the ₹30,000 crore AUM milestone and achieving its highest-ever quarterly disbursements in Q4 FY26. AUM stood at Rs 30,571 crore as of March 31, 2026, registering a year-on-year growth of 20%, while Profit after Tax for FY2026 grew by 22% YoY to Rs 1,108 crore. Our strategic ‘Urban and Emerging’ branch model continues to deliver strong outcomes, with the network expanding to over 626 branches, deepening our reach across underserved and high-potential markets. Demand remains largely end-user driven, led by first-time homebuyers in emerging markets, while witnessing encouraging traction in urban markets, reinforcing our balanced and diversified growth strategy. Government initiatives such as PMAY 1.0 and PMAY 2.0 continue to support affordability for these customers, and we expect this to remain an important driver of demand going forward. Overall, the environment remains supportive, with steady demand in the EWS and LIG segments. During the year, we also made focused investments in AI capabilities, which are beginning to reflect in improved turnaround times, stronger underwriting, and enhanced collections efficiency. We have started leveraging AI-led tools in select parts of the loan lifecycle and see this as an important area of development as we continue to scale. Asset quality trends remain stable, supported by strong collection efficiency and disciplined underwriting, reflecting healthy borrower behaviour. Our focus remains on expanding our presence in underserved markets, improving productivity, and leveraging technology to enhance efficiency across the loan lifecycle. Looking ahead, we remain confident in the medium-term outlook for the affordable housing segment. With strong structural drivers, improving operating leverage, and our continued focus on execution, we are well positioned to sustain growth while maintaining portfolio quality and delivering consistent returns.
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