Synopsis: The corporate expects H2 FY26 to outperform H1, 20–22% AUM progress, plans to move on charge cuts by end-Q3, stays capitalized for two.5–3 years, sees demand for 3 crore housing models, and guides gross NPAs at 1.15–1.1%.
This firm is amongst India’s largest low-income housing finance firms, catering to the house financing wants of economically weaker sections of society is now in focus after asset high quality stays a key focus, with the corporate guiding gross Non-Performing Belongings (NPA) for FY26 within the vary of 1.15–1.1%
With a market capitalisation of Rs. 21,039 cr, the shares of Aadhar Housing Finance Ltd are presently buying and selling at Rs. 485 per share, leaping 1.5% in as we speak’s market session, making a excessive of Rs. 488.30, up from its earlier shut of Rs. 480.80 per share.
Steerage
The corporate expects the second half of FY26 to outperform the primary half, staying on monitor for 20 to 22% progress in Belongings Beneath Administration (AUM). Alongside this, it plans to move on rate of interest cuts to prospects by the top of Q3, demonstrating its dedication to aggressive choices.
Financially, the corporate stays well-capitalized, with enough assets to assist operations for the subsequent 2.5 to three years, making certain stability and adaptability for strategic initiatives. By way of market alternatives, authorities initiatives within the reasonably priced housing sector are anticipated to create demand for an extra 3 crore housing models, presenting important progress potential.
The corporate continues to prioritize asset high quality, with steering for gross Non-Performing Belongings (NPA) for FY26 set at 1.15–1.1%. This displays a disciplined strategy to danger administration whereas positioning the corporate for sustainable progress.
Concerning the firm
Aadhar Housing Finance Ltd (AHFL) is a distinguished Indian housing finance firm targeted on offering reasonably priced house loans to underserved and low‑to‑center‑revenue segments, notably the Economically Weaker Part (EWS) and Low Earnings Group (LIG) throughout semi-urban and rural India.
It demonstrates sturdy monetary effectivity with an ROCE of 11.4% and an ROE of 16.9%. The corporate has delivered spectacular profitability progress, reaching a 36.6% CAGR in web revenue during the last 5 years.
As of Q2FY26, the corporate reported sturdy monetary progress. Its gross sales rose 17% year-on-year to Rs. 897 crore from Rs. 764 crore in Q2FY25. EBITDA elevated 18% to Rs. 689 crore, up from Rs. 584 crore a 12 months in the past. Internet revenue grew 17% to Rs. 266 crore, in contrast with Rs. 228 crore in Q2FY25, translating to an EPS of Rs. 6.15, up 16% from Rs. 5.29 final 12 months.
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