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Aadhar Housing Finance (AADHARHFC)₹433.35−0.62%Housing Finance Company
In the Jun 2026 quarter (consolidated), Aadhar Housing Finance reported revenue of ₹990 Cr, up 17.2% from Jun 2025, and net profit of ₹281 Cr, up 19.0% year on year. For the year to Mar 2026, revenue were ₹3,671 Cr and net profit ₹1,093 Cr.
Company filings, consolidated accounts; latest reported quarter Jun 2026
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 628 | 671 | 689 | 711 | 762 | 796 | 830 | 845 | 894 | 940 | 982 | 990 |
| Interest | 239 | 251 | 262 | 277 | 285 | 297 | 315 | 331 | 342 | 347 | 343 | 376 |
| Net interest income | 389 | 420 | 428 | 434 | 477 | 499 | 515 | 514 | 553 | 593 | 639 | 615 |
| Expenses | 132 | 156 | 167 | 174 | 180 | 188 | 198 | 208 | 209 | 215 | 241 | 249 |
| Financing Profit | 258 | 266 | 264 | 263 | 299 | 313 | 321 | 309 | 348 | 381 | 401 | 367 |
| Financing Margin % | 40.9% | 39.9% | 38.0% | 37.0% | 38.9% | 39.0% | 38.9% | 36.0% | 39.0% | 39.9% | 41.0% | 36.9% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.99 | 2.99 | 1.99 | −14.95 | 7.97 | 3.99 |
| Depreciation | 5.02 | 5.02 | 6.03 | 6.02 | 6.02 | 6.02 | 6.02 | 7.02 | 7.03 | 7.03 | 11.05 | 9.04 |
| Profit before tax | 252 | 260 | 258 | 256 | 291 | 307 | 315 | 304 | 342 | 359 | 397 | 363 |
| Tax % | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | −11.97 | 0.00 | 0.00 |
| Net Profit | 197 | 203 | 202 | 200 | 227 | 239 | 245 | 237 | 266 | 280 | 310 | 281 |
| EPS (Rs) | 5.01 | 5.18 | 5.12 | 4.70 | 5.30 | 5.57 | 5.70 | 5.50 | 6.17 | 6.50 | 7.15 | 6.47 |
| Gross NPA % | 1.4% | 1.4% | 1.1% | 1.3% | 1.3% | 1.4% | 1.1% | 1.3% | 1.4% | 1.4% | 1.1% | 1.3% |
| Net NPA % | 0.9% | 1.0% | 0.7% | 0.9% | 0.9% | 1.0% | 0.7% | 0.9% | 1.0% | 1.0% | 0.8% | 0.9% |
| Provision coverage (approx., excl. write-offs) % | 35.7% | 30.7% | 36.4% | 31.3% | 30.8% | 30.2% | 33.3% | 32.4% | 34.0% | 26.8% | 25.9% | 34.1% |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,262 | 1,383 | 1,570 | 1,722 | 2,035 | 2,577 | 3,098 | 3,671 | 3,807 |
| Interest | 731 | 792 | 815 | 760 | 798 | 986 | 1,174 | 1,362 | 1,407 |
| Net interest income | 532 | 591 | 755 | 961 | 1,237 | 1,592 | 1,925 | 2,309 | 2,400 |
| Expenses | 277 | 351 | 317 | 388 | 509 | 621 | 738 | 871 | 913 |
| Financing Profit | 258 | 245 | 443 | 579 | 736 | 980 | 1,198 | 1,449 | 1,497 |
| Financing Margin % | 20.0% | 18.0% | 27.9% | 34.0% | 36.0% | 38.0% | 38.9% | 39.0% | 39.3% |
| Other Income | −13.97 | −1.99 | 0.00 | 0.00 | −24.95 | 0.00 | 0.00 | −12.96 | −1.00 |
| Depreciation | 9.04 | 12.04 | 11.04 | 13.05 | 16.05 | 21.09 | 25.08 | 32.13 | 34.15 |
| Profit before tax | 234 | 230 | 431 | 566 | 694 | 957 | 1,169 | 1,402 | 1,461 |
| Tax % | 31.0% | 18.0% | 21.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | — |
| Exceptional items | −9.97 | −1.99 | 0.00 | 0.00 | −18.96 | 0.00 | 0.00 | −12.95 | −11.97 |
| Net Profit | 162 | 189 | 339 | 444 | 544 | 748 | 910 | 1,093 | 1,137 |
| EPS (Rs) | 64.50 | 48.11 | 8.64 | 11.30 | 13.83 | 19.04 | 21.20 | 25.19 | 26.29 |
| Dividend payout % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 25.07 | 39.11 | 396 | 396 | 396 | 396 | 432 | 437 |
| Reserves | 835 | 2,310 | 2,303 | 2,756 | 3,310 | 4,062 | 5,958 | 7,114 |
| Borrowings | 8,211 | 9,658 | 10,393 | 10,690 | 12,181 | 13,993 | 16,370 | 18,774 |
| Other Liabilities | 428 | 378 | 566 | 557 | 770 | 686 | 532 | 1,119 |
| Total Liabilities | 9,499 | 12,385 | 13,658 | 14,399 | 16,658 | 19,137 | 23,292 | 27,445 |
| Fixed Assets | 42.12 | 44.17 | 53.14 | 55.20 | 63.16 | 80.25 | 92.27 | 138 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 150 | 24.03 | 497 | 339 | 459 | 462 | 513 | 637 |
| Other Assets | 9,308 | 12,317 | 13,107 | 14,004 | 16,134 | 18,594 | 22,686 | 26,669 |
| Trade receivables | 3.99 | 3.99 | 2.99 | 4.99 | 7.99 | 19.97 | 24.97 | 26.96 |
| Cash & equivalents | 1,056 | 3,151 | 2,176 | 1,715 | 1,922 | 1,277 | 1,727 | 1,219 |
| Total Assets | 9,499 | 12,385 | 13,658 | 14,399 | 16,658 | 19,137 | 23,292 | 27,445 |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | −2,558 | −1,788 | −1,204 | −909 | −1,159 | −2,554 | −3,034 | −2,816 |
| Cash from investing activity | −48.89 | −1,493 | −479 | 821 | −476 | 722 | 160 | 308 |
| Cash from financing activity | 3,361 | 3,707 | 702 | 276 | 1,465 | 1,781 | 3,395 | 2,340 |
| Net cash flow | 751 | 421 | −978 | 190 | −168 | −48.84 | 521 | −164 |
| Capex | 8.99 | 3.01 | 4.99 | 11.99 | 9.99 | 14.99 | 14.99 | 18.98 |
| Free cash flow | −2,555 | −1,781 | −1,203 | −915 | −1,162 | −2,557 | −3,032 | −2,817 |
| CFO / OP % | −250.1% | −165.1% | −88.1% | −59.0% | −66.0% | −118.0% | −117.0% | −89.0% |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| ROE % | 20.0% | 12.0% | 14.0% | 15.0% | 16.0% | 18.0% | 17.0% | 16.0% |
For the Jun 2026 quarter, Aadhar Housing Finance reported revenue of ₹990 Cr, up 17.2% year on year and net profit of ₹281 Cr, up 19.0% year on year.
Aadhar Housing Finance's revenue for the year to Mar 2026 were ₹3,671 Cr; over the last twelve months they were ₹3,807 Cr.
Net profit for the year to Mar 2026 was ₹1,093 Cr, and ₹1,137 Cr over the last twelve months. Earnings per share over the same trailing period were ₹26.29.
Cash from operations was −₹2,816 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹2,817 Cr.