Aadhar Housing Finance share price
NSE: AADHARHFCBSE: 544176FinanceSmall Cap
Aadhar Housing Finance Limited · Face value ₹10 Face value. The nominal value of one share as the company issued it, the unit its share capital is counted in and a dividend can be stated as a percentage of; it has no link to the share price. Face value in the glossary · Listed May 2024 · Issue price ₹315
Last close ₹420.10down ₹19.90 (4.52%)BSE ₹422.00
Share price at the NSE close on 30 Oct 2026. Previous close ₹440.00.
30 Oct: open ₹436.00, high ₹436.10, low ₹418.00
52-week range of traded prices to 30 Oct 2026
₹418.00Low, 30 Oct 2026₹563.00High, 6 Jul 2026
- Next results date: the board meets on 5 Nov 2026 to consider: financial results. The notice · Results calendar
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹18,417 Cr337th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 16.14
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 2.44
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 16.4%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Net interest margin in the glossary
- 8.09%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Cost of funds in the glossary
- 7.78%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Credit cost in the glossary
- 0.30%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. Return on assets in the glossary
- 4.33%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Assets per rupee of net worth in the glossary
- 3.64times net worth
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 1,19,85555.0% delivered
About Aadhar Housing Finance
Aadhar Housing Finance Limited is a housing finance company that lends to low-income families in India, many of them first-time home buyers with little access to formal credit.12 It offers home loans to buy, build, renovate or repair a home, loans against property and loans for commercial property.3 Its borrowers are salaried and self-employed people in cities and semi-urban towns, including many without formal income proof.4
It is registered with the National Housing Bank and regulated by the Reserve Bank of India, and all its retail loans are secured.5 It reports a single business segment, housing finance, and earns all its revenue in India.6 It has one subsidiary, Aadhar Sales and Services Private Limited.7
The company was incorporated on 26 Nov 1990, and a housing lender of the same name, set up in 2010, was merged into it on 20 Nov 2017.7 Its shares were listed on the NSE and BSE in May 2024.89
Funds managed by Blackstone have controlled the company since June 2019.109 Its holding company, BCP Asia II Holdco VII Pte. Ltd. of Singapore, an affiliate of Blackstone, held 64.90% of its shares on 31 Mar 2026.111213
Aadhar Housing Finance key points
Results
- Consolidated profit after tax for the quarter to Jun 2026 was ₹282 crore, against ₹237 crore a year earlier, up 19%; return on assets (profit as a share of assets) was 4% and return on equity (profit as a share of shareholders' funds) 14.7%.1415
- On a standalone basis, total income rose 19% in the year to Mar 2026, and profit after tax, excluding a past service cost of ₹15.9 crore arising from the new labour code, was ₹1,108 crore, 22% higher than ₹912 crore a year earlier.16
- Loans disbursed in the quarter to Jun 2026 were ₹2,036 crore, counted when the cheque clears, a basis the company adopted that quarter; counted at cheque handover, as before, they were ₹2,359 crore, up 19% on a like-for-like basis.17
Loan book and deposits
- Assets under management (AUM, the loans the company manages) were ₹31,364 crore at the end of June 2026, up 18% from a year earlier.18
- Home loans made up 73% of AUM and non-home loans 27% at the end of June 2026, and salaried customers accounted for 55% of AUM.19
- The average loan was ₹11 lakh, with a loan-to-value ratio (the loan as a share of the property's value) of 60%. At the end of March 2026, 63% of gross AUM was with economically weaker section and low-income group customers.2021
- Gross non-performing assets (loans whose repayments are seriously overdue) were 1.31% at the end of June 2026, against 1.34% a year earlier.22
Branches and reach
- At the end of June 2026 the company had 628 branches covering 555 districts across 22 states and union territories.23
- Branches by state, June 2026, largest states2425No single state accounts for more than 15% of AUM.
Item quarter to Jun 2026 Maharashtra 73 Gujarat 73 Uttar Pradesh 71 Tamil Nadu 63 Madhya Pradesh 57 Rajasthan 56 - The company has 152 urban and 476 emerging branches; on its earnings call of 31 Jul 2026 it said that, illustratively, incremental yields (the rate on new loans) are 11.5% to 12% in urban locations and 14% to 14.8% in emerging ones.2627
- Its main sales channel is its own direct-selling teams; Aadhar Mitras, local people such as vegetable vendors, kirana (grocery) shop owners and cement dealers, refer borrowers and earn a fee on each loan disbursed.28
Borrowings and capital
- Borrowings were ₹20,000 crore at the end of June 2026, against ₹16,876 crore a year earlier.29
- Borrowings by source, June 202630
Item quarter to Jun 2026 Banks 49% National Housing Bank 24% Non-convertible debentures (bonds) 17% External commercial borrowings (loans from abroad) 7% Others 3% - The exit cost of funds (the rate on borrowings at the period end) was 7.7% at the end of June 2026, against 8% a year earlier; with an exit portfolio yield of 13.5%, the exit spread (yield less cost of funds) was 5.8%.31
- The capital adequacy ratio (capital held against risk-weighted loans) was 42.9% in Tier 1 capital and 0.5% in Tier 2 at the end of June 2026, against a regulatory minimum of 15%.3233
What the company expects
- On its earnings call of 31 Jul 2026, the company said it expects AUM and profit after tax to grow 20% each in the year to Mar 2027, and disbursements to grow 17% to 18%.34
- The company said it stands by its numbers of 45 to 50 new branches, after opening 2 in the quarter to Jun 2026.35
- The company said it aims to keep its spread at 5.5% or more and expects return on equity of about 17% in a couple of years.3637
- The company said it expects gross non-performing assets to come back to about 1.1% by the end of the year to Mar 2027, with credit costs (charges for expected loan losses) of about 23 to 25 basis points.38
Recent events
- ICRA upgraded its credit rating (an agency's view of a borrower's ability to repay) on the company's debt instruments to AA+, with the outlook revised to stable from positive, on 22 Sep 2026.3940
- India Ratings upgraded the company's debt instruments to IND AA+ from IND AA, with a stable outlook, on 28 Aug 2026.41
- On 25 Feb 2026 BCP Asia II Holdco VII bought 28,20,52,121 shares, which the company describes as 64.14% of its expanded voting share capital, from the earlier promoter, BCP Topco VII, and became the promoter from 26 Feb 2026.42
Last updated
All 42 sources, each with its page
- 1. Annual report, 10 Jul 2026, page 22
- 2. Annual report, 10 Jul 2026, page 68
- 3. Annual report, 10 Jul 2026, page 132
- 4. Annual report, 10 Jul 2026, page 72
- 5. Annual report, 10 Jul 2026, page 88
- 6. Annual report, 10 Jul 2026, page 342
- 7. Annual report, 10 Jul 2026, page 294
- 8. Exchange filing, 30 Jan 2026, page 2
- 9. Annual report, 10 Jul 2026, page 194
- 10. Investor presentation, 31 Jul 2026, page 15
- 11. Annual report, 10 Jul 2026, page 65
- 12. Investor presentation, 31 Jul 2026, page 25
- 13. Annual report, 10 Jul 2026, page 89
- 14. Earnings call, 31 Jul 2026, page 5
- 15. Investor presentation, 31 Jul 2026, page 39
- 16. Annual report, 10 Jul 2026, page 69
- 17. Earnings call, 31 Jul 2026, page 3
- 18. Earnings call, 31 Jul 2026, page 3
- 19. Earnings call, 31 Jul 2026, page 3
- 20. Earnings call, 31 Jul 2026, page 3
- 21. Investor presentation, 31 Jul 2026, page 25
- 22. Earnings call, 31 Jul 2026, page 5
- 23. Investor presentation, 31 Jul 2026, page 13
- 24. Investor presentation, 31 Jul 2026, page 19
- 25. Investor presentation, 31 Jul 2026, page 19
- 26. Investor presentation, 31 Jul 2026, page 21
- 27. Earnings call, 31 Jul 2026, page 12
- 28. Annual report, 10 Jul 2026, page 72
- 29. Earnings call, 31 Jul 2026, page 5
- 30. Earnings call, 31 Jul 2026, page 5
- 31. Earnings call, 31 Jul 2026, page 5
- 32. Earnings call, 31 Jul 2026, page 5
- 33. Annual report, 10 Jul 2026, page 96
- 34. Earnings call, 31 Jul 2026, page 13
- 35. Earnings call, 31 Jul 2026, page 13
- 36. Earnings call, 31 Jul 2026, page 7
- 37. Earnings call, 31 Jul 2026, page 15
- 38. Earnings call, 31 Jul 2026, page 9
- 39. Exchange filing, 22 Sep 2026, page 1
- 40. Exchange filing, 22 Sep 2026, page 3
- 41. Exchange filing, 28 Aug 2026, page 3
- 42. Annual report, 10 Jul 2026, page 88
Results
Consolidated; ₹ crore. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.Aadhar Housing Finance quarterly results
- Income from operations growth, 12 monthsIncome from operations growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +17.7%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +20.2%
Quarter to Jun 2026, against the quarter before
- Income from operationsIncome from operations. The pill is the change in income from operations against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹993 Crup 0.85%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹282 Crdown 9.19%
Income from operations by quarter
Peak income from operations ₹993 Cr, quarter to Jun 2026; lowest ₹764 Cr, quarter to Sep 2024
Net profit by quarter, a loss in red
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 764 | 798 | 833 | 848 | 897 | 943 | 985 | 993 |
| Net profit | 228 | 239 | 245 | 237 | 266 | 281 | 311 | 282 |
Consolidated. The last eight quarters. The latest is shaded. Net profit is the whole group's, the other owners of its subsidiaries included; P/E and ROE use the company's own share.
Year to Mar 2026, against the year before
- Income from operationsIncome from operations. The pill is the change in income from operations against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹3,673 Crup 18.18%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹1,096 Crup 20.18%
Income from operations by year
Peak income from operations ₹3,673 Cr, year to Mar 2026; lowest ₹2,587 Cr, year to Mar 2024
Net profit by year, a loss in red
| ₹ crore | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Income from operations | 2,587 | 3,108 | 3,673 |
| Net profit | 750 | 912 | 1,096 |
Consolidated. Years to March. The latest is shaded. Net profit is the whole group's, the other owners of its subsidiaries included; P/E and ROE use the company's own share.
Business segments
In the year to Mar 2026 the company reports one business segment, Housing Finance Business, which carries all its revenue.
Valuation
Today, against the company's own history. Dividend yield is not shown: no dividend in the years on record.Aadhar Housing Finance PE ratio and valuation
Price to earnings
At or below today's level on 0.4% of 247 trading days over the last year.
LowestHighest
Its median19.87Industry median11.76
Price to book
At or below today's level on 0.4% of 247 trading days over the last year.
LowestHighest
Its median2.95Industry median1.19
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | +5.6% | +18.1% | −10.5% | 0.0% |
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add.
Mutual fund holdings
83 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 42 of the 56 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future.All 83 funds holding Aadhar Housing Finance
- Bought for the first timeBought for the first time. Funds that held it at the month's end and had not held it in any month on record before.
- 1
- AddedAdded. Funds that held more shares than at the end of the month before.
- 32
- CutCut. Funds that held fewer shares than at the end of the month before.
- 24
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 26
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end. Sold out in the glossary
- 1
| Fund | |||
|---|---|---|---|
 HDFC Small Cap FundHDFC Mutual Fund | 67,45,546 | 0.72% | ₹294.1 Cr |
| HDFC Multi Cap FundHDFC Mutual Fund | 37,50,000 | 0.84% | ₹163.5 Cr |
 Invesco India Contra FundInvesco Mutual Fund | 31,15,367 | 0.71% | ₹135.8 Cr |
 DSP Small Cap FundDSP Mutual Fund | 29,00,492 | 0.59% | ₹126.5 Cr |
 WhiteOak Capital Flexi Cap FundWhiteOak Capital Mutual Fund | 25,38,711 | 1.19% | ₹110.7 Cr |
 Axis Small Cap FundAxis Mutual Fund | 19,75,951 | 0.28% | ₹86.2 Cr |
 ICICI Prudential Banking and Financial Services FundICICI Prudential Mutual Fund | 17,77,195 | 0.72% | ₹77.5 Cr |
| DSP Banking & Financial Services FundDSP Mutual Fund | 15,56,739 | 3.34% | ₹67.9 Cr |
| WhiteOak Capital Mid Cap FundWhiteOak Capital Mutual Fund | 14,31,539 | 0.83% | ₹62.4 Cr |
| HDFC Business Cycle FundHDFC Mutual Fund | 13,19,459 | 2.17% | ₹57.5 Cr |
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.
Promoter and insider buying and selling
Trades made since 1 Nov 2025.Aadhar Housing Finance insider trading
No promoter, director, key manager or employee bought or sold on the market.
- Promoters and promoter group: no market trade · 1 off-market move
- Others: no market trade · 166 pledge filings of unclear kind
Bought and sold count trades on the market only. A pledge is shares given to a lender as security for a loan; a lender invokes it by selling them.
Aadhar Housing Finance competitors and peers
Housing Finance Company, 19 listed companies, priced on 30 Oct 2026. The table lists the 8 companies closest to Aadhar Housing Finance in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
 Bajaj Housing FinanceBAJAJHFL | 64,509 | 22.99 | 2.69 | +17.2% | +18.9% | 12.4% | 2.23% | 3.29% | 0.00% |
 PNB Housing FinancePNBHOUSING | 27,645 | 11.76 | 1.37 | +10.0% | +9.4% | 12.3% | 2.60% | 3.67% | 0.75% |
 LIC Housing FinanceLICHSGFIN | 27,157 | 4.61 | 0.62 | −0.4% | +6.8% | 14.3% | 1.75% | 2.68% | 2.03% |
 Sammaan CapitalSAMMAANCAP | 13,595 | – | 0.72 | −17.1% | – | −35.5% | −9.89% | −0.06% | 0.00% |
 Home First Finance Company IndiaHOMEFIRST | 11,209 | 18.09 | 2.40 | +19.2% | +36.9% | 14.3% | 3.95% | 6.99% | 0.49% |
 Can Fin HomesCANFINHOME | 9,582 | 8.31 | 1.49 | +7.9% | +25.1% | 19.4% | 2.54% | 3.84% | 2.08% |
 Aptus Value Housing Finance IndiaAPTUS | 9,580 | 9.73 | 1.89 | +22.9% | +23.3% | 21.0% | 7.76% | 11.34% | 2.35% |
 Aavas FinanciersAAVAS | 8,428 | 11.96 | 1.56 | +12.1% | +16.8% | 14.0% | 3.29% | 6.75% | 0.00% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Latest announcements
Routine notices left out.Aadhar Housing Finance announcements
Oct 2026
28 Oct · Analysts
21 Oct · Management
9 Oct · Asset Liability Management (ALM) statement
9 Oct · Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Aadhar Housing Finance share price by year
Each calendar year to 2025.Aadhar Housing Finance share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 485.05 | +14.8% | 539.85 | 364.15 |
| 2024 | 422.60 | – | 510.45 | 329.45 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before. 2024 is from its first session, 15 May 2024.
Recent sessions
The 9 trading days to 29 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 29 Oct 2026 | 429.05 | 441.95 | 428.40 | 440.00 | 436.08 | 1,14,281 | 48.3% |
| 28 Oct 2026 | 431.50 | 434.75 | 429.00 | 430.50 | 430.69 | 1,03,249 | 51.8% |
| 27 Oct 2026 | 431.70 | 438.90 | 428.00 | 435.65 | 434.07 | 2,30,411 | 45.4% |
| 26 Oct 2026 | 438.00 | 447.25 | 433.15 | 441.20 | 443.30 | 3,58,730 | 59.7% |
| 23 Oct 2026 | 459.30 | 459.30 | 428.20 | 440.10 | 439.14 | 3,37,230 | 47.4% |
| 22 Oct 2026 | 446.60 | 462.85 | 442.25 | 459.30 | 457.03 | 3,54,288 | 60.6% |
| 21 Oct 2026 | 444.90 | 454.20 | 440.55 | 452.20 | 446.57 | 1,81,142 | 57.5% |
| 19 Oct 2026 | 445.00 | 449.75 | 436.50 | 447.10 | 442.64 | 1,39,321 | 38.6% |
| 16 Oct 2026 | 452.05 | 454.60 | 442.80 | 447.00 | 446.82 | 1,12,724 | 44.2% |
Prices in ₹ per share as traded, not adjusted.
Company details
- NSE symbol
- AADHARHFC
- BSE code
- 544176
- ISIN
- INE883F01010
- Industry
- Finance
- Website
- www.aadharhousing.com
- CIN
- L66010KA1990PLC011409
- Corporate identity number, the registrar of companies' code for it
- Incorporated
- 1990
- Registered office
- No. 3, JVT Towers, 2 nd floor, 8th 'A' Main Road, Sampangi Rama Nagar, Bengaluru 560027, Karnataka
- Share registrar
- KFin Technologies Ltd
- Keeps the register of shareholders and handles transfers and dividend payments
In Nifty 500, BSE 500, Nifty Smallcap 250, BSE 250 SmallCap Index, BSE SmallCap, Nifty Total Market