Q3 2026 Aadhar Housing Finance Ltd Earnings Call Transcript
Key Points
- Aadhar Housing Finance Ltd (NSE:AADHARHFC) reported a 20% year-on-year growth in Assets Under Management (AUM), reaching INR28,790 crore as of December 31, 2025.
- The company achieved a 15% year-on-year increase in disbursements for the first nine months of FY26, totaling INR6,469 crore.
- Profit After Tax (PAT) grew by 20% year-on-year, reaching INR797 crore, indicating strong lending momentum.
- Gross Non-Performing Assets (NPA) improved sequentially by 4 basis points to 1.38%, with collection efficiency remaining above 99%.
- Aadhar Housing Finance Ltd expanded its branch network by adding 10 new branches, bringing the total to 621 branches across 22 states, enhancing its geographic diversification.
- The company's incremental borrowing cost for Q3 FY26 stood at 7.5%, which may impact future profitability if borrowing costs rise.
- Despite improvements, the Gross NPA ratio remains at 1.38%, indicating room for further improvement in asset quality.
- The cost-to-income ratio for the first nine months of FY26 was 35.4%, only a slight improvement from the previous year's 35.9%.
- The impact of the new labor code resulted in an exceptional item cost of INR16 crore, affecting the financial results.
- The company faces competition in the affordable housing segment, which could pressure margins and growth if not managed effectively.
Ladies and gentlemen, good day and welcome to Adar Housing Finance Q3 FY26 earnings conference call hosted by ICICR Securities Limited. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Ranesh Va from ICICI Securities Limited. Thank you and over to you, sir.
Thank you. Good evening, everyone, and welcome to Aadhar Housing Q3 FY26 Earnings Call. On behalf of ICICI Securities, I would like to thank Aadhar management team for giving us the opportunity to host this call. Today, we have with us the entire top management team of Aadhar represented by Mr. Deo Shankar Tripathi Executive Vice Chairman; Mr. Rishi Anand, MD and CEO; Mr. Rajesh Viswanathan, CFO; Mr. Sanjay Moolchandani, Head Investor Relations.
I will now hand over the call to Mr. Rishi for his opening remarks, and then we'll open the floor for Q&A. Over to you, sir.
Thank
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