Aadhar Housing Finance Q1 FY27 Results: Net Profit Rises 19% as Loan Book Continues to Expand
Aadhar Housing Finance Limited reported a strong financial performance for the quarter ended June 30, 2026 (Q1 FY27), driven by healthy demand for affordable housing loans and steady growth across its lending portfolio. The company posted double-digit growth in profit and income while maintaining healthy asset quality and strengthening its balance sheet.
The housing finance company continues to benefit from increasing demand in Tier II and Tier III cities, where affordable housing remains a key growth opportunity.
Aadhar Housing Finance Q1 FY27 Financial Highlights
The company delivered steady growth across its key financial indicators during the June quarter.
Key Financial Highlights
- Total Revenue from Operations: ₹992.89 crore, compared with ₹848.18 crore in Q1 FY26
- Total Income: ₹997.19 crore, up from ₹851.34 crore in the year-ago quarter
- Profit Before Tax (PBT): ₹363.63 crore
- Profit After Tax (PAT): ₹282.36 crore, up from ₹237.28 crore in Q1 FY26
- Basic Earnings Per Share (EPS): ₹6.47
- Diluted EPS: ₹6.36
The company’s consistent earnings growth reflects healthy loan demand, prudent lending practices, and effective cost management.
Loan Portfolio Continues to Grow
Aadhar Housing Finance maintained strong momentum in expanding its lending business during the quarter.
As of June 30, 2026, the company reported:
- Assets Under Management (AUM): ₹31,364 crore, an increase of 18% year-on-year
- Active Loan Accounts: More than 3.40 lakh
- Net Worth: ₹7,853 crore
The company continues to focus on providing affordable home loans, particularly in semi-urban and emerging markets where housing finance demand remains robust.
Healthy Asset Quality
Asset quality remained stable during the quarter despite continued business expansion.
The company reported:
- Gross NPA: 1.31%
- Return on Assets (ROA): 4.0%
- Return on Equity (ROE): 14.7%
These metrics highlight Aadhar Housing Finance’s disciplined underwriting standards and effective risk management framework.
Strong Funding and Capital Position
During Q1 FY27, Aadhar Housing Finance raised ₹250 crore through a private placement of Non-Convertible Debentures (NCDs). The company confirmed that the entire proceeds were utilized for the intended purposes without any deviation from the stated objectives.
The company also maintained adequate security cover for its listed debt securities in line with regulatory requirements.
Technology and Branch Expansion
Aadhar Housing Finance continued investing in technology and expanding its distribution network.
During the quarter, the company:
- Expanded its branch network to 628 branches across 22 states and Union Territories
- Enhanced the use of Artificial Intelligence (AI) in loan origination, credit assessment, and operational processes
- Continued strengthening its digital capabilities while complying with the RBI’s Model Risk Management guidelines
These initiatives are expected to improve customer experience, accelerate loan processing, and enhance operational efficiency.
Employee Stock Option Update
The company allotted 16.33 lakh equity shares during the quarter following the exercise of employee stock options. It also recognized expenses related to its Employee Stock Option Plan (ESOP) 2025, reinforcing its commitment to attracting and retaining talent.
Management Outlook
Management remains optimistic about the long-term prospects of India’s affordable housing finance sector, supported by rising urbanization, low mortgage penetration, and increasing housing demand in smaller cities.
The company plans to continue expanding its customer base, strengthening digital capabilities, and maintaining disciplined credit standards to deliver sustainable growth.