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Aadhar Housing Finance (AADHARHFC) investor relations material
Aadhar Housing Finance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary7 Nov, 2025
Executive summary
Achieved 21% year-over-year AUM growth to INR 27,554 crore (INR 276bn) as of September 30, 2025, with a 100% secured retail book and focus on low-income housing.
PAT rose 18% year-over-year to INR 504 crore (INR 5,038mn) for H1 FY26, with disbursements up 16% to INR 4,089 crore (INR 41bn).
Operates 611 branches across 22 states/UTs, serving over 315,000 customers, with no single state exceeding 15% of AUM.
Digital transformation and data analytics initiatives enhanced operational efficiency and customer experience, with 97% NACH conversion and 100% paperless onboarding.
Maintained strong asset quality with GNPA at 1.4%-1.42% and a stable ROA of 4.2%.
Financial highlights
Total income for H1 FY26 increased 18% year-over-year to INR 1,751 crore (INR 17,506mn); net interest margin was INR 10,770mn, up 18% year-over-year.
Pre-provision operating profit grew 18% year-over-year to INR 6,878mn.
Earnings per share (diluted) for H1 FY26 stood at 11.4; basic EPS for Q2 FY26 was 6.16.
Net worth reached INR 6,894 crore (INR 69bn) as of September 2025, including INR 1,000 crore from IPO primary infusion.
Return on assets (ROA) for H1 FY26 was 4.2%; return on equity (ROE) was 15.1%-16.5%.
Outlook and guidance
Management is confident of meeting full-year growth guidance, targeting 20%-22% AUM growth and 18%-20% profit growth.
Disbursement growth for FY2026 expected at 18%, with positive sector outlook driven by GST 2.0 reforms, government schemes, and urbanization.
Continued focus on low-income housing, digital transformation, and operational efficiency.
1+ DPD movement in stressed markets?
H2 disbursement growth confidence given Q2 dip?
Quantify benefits from recent credit rating upgrade.
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Next Aadhar Housing Finance earnings date
Q3 25/265 Feb, 2026
Next Aadhar Housing Finance earnings date
Q3 25/265 Feb, 2026
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