Aadhar Housing Finance Reports 27% Surge in Q4 Profit to Rs 311 Crore Driven by Robust Growth and Expansion Strategies.

Aadhar Housing Finance has demonstrated robust financial performance in its fourth quarter, reporting a net profit of Rs 311 crore, a significant 27% increase from Rs 245 crore in the same quarter of the previous year. This growth is attributed to a strong business expansion strategy, which is reflected in the company’s notable assets under management (AUM) growth of 20% year-on-year, reaching Rs 30,571 crore by the end of March. Furthermore, the quarter’s loan disbursements reached a record Rs 3,087 crore, marking a 20% increase compared to the previous year, underscoring the lender’s effectiveness in catering to the low-income segment.

The company’s annual performance also indicates strong fundamentals, with net profit for FY26 reported at Rs 1,108 crore, which translates to a 22% increase from the Rs 912 crore recorded in the preceding fiscal year. Despite the impressive growth, Aadhar Housing Finance reported a slight increase in the gross non-performing assets (GNPA) ratio, which stood at 1.08%, up from 1.05% the previous year. This stable GNPA ratio, coupled with strong loan disbursement figures, highlights the company’s disciplined lending practices and risk management strategies.

Looking ahead, Managing Director Rishi Anand has articulated ambitious targets for the company, aiming for a further 20% growth in both AUM and net profit. To support this expansion plan, Aadhar Housing Finance intends to open an additional 35 to 40 branches this year, increasing its current total to 626 branches. This proactive approach not only aims to enhance service delivery but also signifies the company’s commitment to scaling its operations and expanding its reach in the low-income housing finance sector.

Source: The Economic Times

(Expert Note: This report was prepared by the Wealthova team.)