Aadhar Housing Finance Ltd (BOM:544176)

Q1 2026 Aadhar Housing Finance Ltd Earnings Call Transcript

Jul 25, 2025 / 01:00 PM GMT

Release Date Price: ₹496.9 (-2.89%)

Transcript

Key Points

Positve

Aadhar Housing Finance Ltd (NSE:AADHARHFC) reported a strong year-on-year AUM growth of 22%, reaching an all-time high of 26,524 crores.
The company's disbursements grew by 32% year-on-year, indicating robust demand and effective execution.
Asset quality remains healthy with a stable gross NPA of 1.3% and collection efficiency consistently above 98%.
The company has expanded its reach to 591 branches across 22 states and 547 districts, enhancing its geographical diversification.
Aadhar Housing Finance Ltd (NSE:AADHARHFC) received an upgrade in its credit rating to AA+ from Care Ratings, reflecting strong financial resilience and robust capital adequacy.

Negative

There is a slight increase in gross NPA from 1.31% to 1.34% due to seasonality, indicating some stress in asset quality.
The repayment rate appears to be low at about 15%, which could be a concern amidst higher competition.
The company faces challenges in maintaining spreads as banks start passing on MCLR rate cuts.
There is a potential risk of stress in certain customer cohorts, although currently, no specific regional stress is identified.
The company is experiencing seasonality impacts, with some accounts moving to stage 3, necessitating legal processes to manage delinquencies.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

AADA.NS - Aadhar Housing Finance Ltd
Q1 2026 Aadhar Housing Finance Ltd Earnings Call
Jul 25, 2025 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the other housing finance Q1 appointment earnings conference call hosted by ICICI Securities Limited.

As a reminder, all participant lines will be in the listen-only mode.

And there'll be an opportunity for you to ask questions after the presentation continues.

Should you need assistance during the conference call?

Please signal an operator by pressing then 0 on your touchdown phone.

I now hand the conference over to Renish from ICIS Securities Limited.

Thank you and over to you, sir.

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Unidentified_2 [2]
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