ABHFL Reports Solid Q1 FY27: Net Profit Hits ₹233 Crore, Healthy Asset Quality Maintained

BY ADMIN • FILED 16 Jul 2026, 7:47 PM

Aditya Birla Housing Finance Limited (ABHFL) has reported a healthy start to FY27, posting a net profit of ₹233.06 crore for the quarter ended June 30, 2026. The company’s Board of Directors approved the unaudited financial results along with the limited review report during its meeting held on July 16, 2026, reflecting steady business growth and disciplined financial management.

Strong Profitability and Capital Position

ABHFL continued to deliver solid financial performance during the quarter, with earnings per share (EPS) of ₹2.78, highlighting sustained value creation for shareholders. The company also maintained a strong capital base, with its net worth rising to ₹8,929.54 crore as of June 30, 2026, providing ample financial strength to support future lending and business expansion.

Asset Quality Remains Among the Best

The housing finance company continued to demonstrate prudent risk management, maintaining one of the strongest asset quality profiles in the sector.

Key asset quality indicators for the quarter include:

Gross Stage 3 Assets: 0.41%
Net Stage 3 Assets: 0.18%
Gross NPA: 0.41%
Net NPA: 0.18%

These low delinquency levels reflect the company’s disciplined underwriting standards, effective credit monitoring, and efficient recovery processes.

Healthy Profitability Ratios

ABHFL also reported strong profitability metrics during the quarter:

Net Profit Margin: 18.56%
Annualised Return on Total Assets (RoTA): 2.12%

The company maintained a balanced leverage profile, supported by comfortable capital adequacy and prudent borrowing levels.

Key Financial Ratios

Debt-to-Equity Ratio: 4.40
Total Debt to Total Assets: 0.80
Asset Cover for Non-Convertible Debt Securities: 1.47 times

These ratios indicate a stable financial structure while supporting continued business growth.

Focus on Corporate Governance

Alongside approving the quarterly financial results, the Board reviewed several important governance frameworks, including the Code of Conduct for regulating trading by designated persons and the Related Party Transactions Policy. The review reflects the company’s continued emphasis on regulatory compliance, transparency, and sound corporate governance practices.