AADHARHFC

Aadhar Housing Finance Limited

Housing finance company for Economically Weaker Section and Low Income Group borrowers

Financial Services›Financial Services›Finance›Housing Finance Company

aadharhousing.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹447.00
Market cap
19,508 Cr
Stock P/E
17.1
P/B
2.58
ROE (FY26)
14.5%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Aadhar Housing Finance lends to low-income families to buy, build or improve homes in India, mostly through fully secured retail loans, with a small non-home loan book.

Company snapshot

4thBy market cap

Ranked among 14 companies in Housing Finance Company.

What we see

Positives
  • ✓Net margin of 29.8% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricMar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income334 Cr357 Cr387 Cr417 Cr408 Cr428 Cr458 Cr485 Cr508 Cr510 Cr
Other income0.02 Cr0.01 Cr0.01 Cr0.03 Cr1 Cr3 Cr2 Cr1 Cr8 Cr4 Cr
Net operating income334 Cr357 Cr387 Cr417 Cr409 Cr431 Cr460 Cr487 Cr516 Cr515 Cr
Employee cost113 Cr111 Cr114 Cr115 Cr125 Cr128 Cr136 Cr134 Cr155 Cr163 Cr
Other expenses56 Cr43 Cr53 Cr53 Cr66 Cr52 Cr59 Cr62 Cr75 Cr53 Cr
Provisions & contingencies——————————
Depreciation6 Cr6 Cr6 Cr6 Cr6 Cr7 Cr7 Cr7 Cr11 Cr9 Cr
Profit before tax259 Cr257 Cr292 Cr308 Cr316 Cr305 Cr343 Cr360 Cr398 Cr364 Cr
Tax %22.0%22.2%22.2%22.2%22.5%22.2%22.3%21.8%21.9%22.3%
Net profit202 Cr200 Cr228 Cr239 Cr245 Cr237 Cr266 Cr281 Cr311 Cr282 Cr
EPS (₹)₹5.11₹4.86₹5.31₹5.56₹5.68₹5.50₹6.16₹6.49₹7.16₹6.47

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———1,283 Cr1,545 Cr1,880 CrSign in free for the trailing twelve months
Other income0.22 Cr0.29 Cr0.29 Cr0.17 Cr1 Cr14 CrSign in free for the trailing twelve months
Net operating income0.22 Cr0.29 Cr0.29 Cr1,283 Cr1,546 Cr1,894 CrSign in free for the trailing twelve months
Employee cost189 Cr248 Cr322 Cr403 Cr464 Cr553 CrSign in free for the trailing twelve months
Other expenses72 Cr90 Cr136 Cr175 Cr215 Cr248 CrSign in free for the trailing twelve months
Provisions & contingencies——————Sign in free for the trailing twelve months
Depreciation11 Cr13 Cr16 Cr21 Cr25 Cr32 CrSign in free for the trailing twelve months
Profit before tax433 Cr567 Cr696 Cr960 Cr1,173 Cr1,406 CrSign in free for the trailing twelve months
Tax %21.4%21.6%21.7%21.9%22.3%22.1%Sign in free for the trailing twelve months
Net profit340 Cr445 Cr545 Cr750 Cr912 Cr1,096 CrSign in free for the trailing twelve months
EPS (₹)₹8.60₹11.30₹13.80₹18.99₹21.43₹25.31Sign in free for the trailing twelve months
Dividend payout %———0.0%0.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital395 Cr395 Cr395 Cr395 Cr431 Cr436 Cr
Reserves2,298 Cr2,752 Cr3,303 Cr4,055 Cr5,941 Cr7,105 Cr
Borrowings10,374 Cr10,675 Cr12,153 Cr13,960 Cr16,322 Cr18,744 Cr
Other liabilities563 Cr555 Cr767 Cr684 Cr529 Cr1,114 Cr
Total liabilities13,630 Cr14,376 Cr16,618 Cr19,093 Cr23,224 Cr27,399 Cr
Fixed assets (net)16 Cr21 Cr25 Cr30 Cr32 Cr35 Cr
CWIP————0 Cr0 Cr
Investments497 Cr338 Cr459 Cr462 Cr513 Cr637 Cr
Loans & advances———16,903 Cr20,484 Cr24,840 Cr
Trade receivables3 Cr5 Cr8 Cr20 Cr25 Cr27 Cr
Cash & bank384 Cr574 Cr405 Cr356 Cr878 Cr715 Cr
Other assets12,731 Cr13,438 Cr15,721 Cr1,322 Cr1,292 Cr1,145 Cr
Total assets13,630 Cr14,376 Cr16,618 Cr19,093 Cr23,224 Cr27,399 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-1,202 Cr-907 Cr-1,156 Cr-2,429 Cr-3,027 Cr-2,808 Cr
Cash from investing-480 Cr823 Cr-477 Cr602 Cr160 Cr309 Cr
Cash from financing701 Cr275 Cr1,463 Cr1,778 Cr3,389 Cr2,336 Cr
Net cash flow-981 Cr191 Cr-169 Cr-49 Cr522 Cr-164 Cr
Free cash flow (OCF − Capex)-1,207 Cr-918 Cr-1,166 Cr-2,444 Cr-3,041 Cr-2,827 Cr

Ratios

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %12.6%14.1%14.7%16.8%14.3%14.5%
Debt / equity3.853.393.293.142.562.49