Aadhar Housing Finance Ltd (BOM:544176)

Q2 2026 Aadhar Housing Finance Ltd Earnings Call Transcript

Nov 7, 2025 / 12:30 PM GMT

Release Date Price: ₹494.6 (-0.86%)

Transcript

Key Points

Positve

Aadhar Housing Finance Ltd (NSE:AADHARHFC) reported a 21% year-over-year growth in Assets Under Management (AUM), reaching 27,554 crores as of September 30, 2025.
The company's disbursements increased by 16% year-over-year, indicating consistent lending momentum.
Asset quality remains strong with a gross NPA of 1.42% and collection efficiency above 99%.
The company expanded its branch network by adding 20 new branches, bringing the total to 611 branches across 22 states.
Digital transformation initiatives, including AI and machine learning, have improved operational efficiency and customer experience.

Negative

The company's stage 3 assets saw a slight increase from 1.34% to 1.42%, indicating some movement from stage 2 to stage 3.
There was a sequential decline in disbursement growth, which was only 4% in Q2 compared to the previous quarter.
The cost to income ratio, although improved, still stands at 36.1%, indicating room for further efficiency improvements.
The company faces competition from larger players who may undercut prices to gain market share.
There are concerns about potential stress in specific regions like East India and Kerala due to a lack of legal support systems.

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

AADA.NS - Aadhar Housing Finance Ltd
Q2 2026 Aadhar Housing Finance Ltd Earnings Call
Nov 07, 2025 / 12:30PM 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 Adar Housing Finance Limited, Q2 F 526 earnings conference call.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call, please signal an operator by pressing, then 0 on your touchstone phone. Please note that this conference is being recorded.

I now have the conference over to Mr. Nitesh Jain from Investor Capital.

Thank you and over to you, sir.

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Unidentified_2 [2]
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