Aadhar Housing Finance Ltd. (AHFL) has reported strong financial performance for the third quarter (Q3) and nine months (9M) of FY25, demonstrating robust growth momentum in its assets under management (AUM) and profitability. The company’s AUM reached ₹23,976 crore, marking a 21% year-on-year (YoY) growth, while profit after tax (PAT) rose by 22% to ₹667 crore for the nine-month period ending December 31, 2024.
Key Financial Highlights – Q3 & 9M FY25
Growth in Assets and Profitability
- AUM (Assets Under Management): ₹23,976 crore, up 21% YoY from ₹19,865 crore.
- Profit After Tax (PAT): ₹667 crore for 9M FY25, up 22% YoY from ₹548 crore.
- Net Worth: ₹6,114 crore, reflecting 44% growth from ₹4,249 crore.
Strong Disbursement & Loan Portfolio
- Total Disbursements: ₹5,626 crore in 9M FY25, a 15% YoY growth.
- Q3 FY25 Disbursements: ₹2,094 crore, up 20% YoY from ₹1,741 crore.
- Total Loan Accounts: 2.86 lakh+ as of December 31, 2024.
Financial Ratios & Asset Quality
- Return on Assets (ROA): 4.3% in 9M FY25 vs. 4.2% in 9M FY24.
- Return on Equity (ROE): 16.8% in 9M FY25 vs. 18.3% in 9M FY24.
- Gross Non-Performing Assets (GNPA): 1.36%, an improvement from 1.40% in the previous year.
Commenting on the performance, Rishi Anand, MD & CEO of Aadhar Housing Finance Ltd., said:
“We have successfully concluded the first nine months of FY25 with strong growth momentum. Our AUM has grown by 21% YoY, reaching ₹23,976 crore, while disbursements have shown a solid 20% growth. With a PAT of ₹667 crore for 9M FY25, we continue to strengthen our financial position. The government’s support, particularly in budget allocations under PMAY and income tax exemptions, will further drive demand for affordable housing loans.”
The company continues its geographical expansion, having added 12 new branches in Q3, bringing the total to 34 new branches in FY25.
Expanding Market Presence
- Total Branches: 557 across 21 states and 545 districts.
- Branch Expansion: 12 new branches in Q3, taking total additions in FY25 to 34 branches.
- Customer Base: 2.86 lakh+ active loan accounts nationwide.
Established in 2010, Aadhar Housing Finance Ltd. is one of India’s leading low-income housing finance companies, catering primarily to the Economically Weaker Section (EWS) and Low-Income Group (LIG) segments. With an average loan size of ₹10 lakh, the company provides home loans for purchase, construction, improvement, and extension.
Aadhar Housing Finance leverages technology and data analytics for efficient underwriting, collections, and risk management. The company secures funding from term loans, NHB financing, and NCDs, ensuring a well-diversified financing structure.
With a strong financial foundation, expanding branch network, and increasing demand for affordable housing finance, Aadhar Housing Finance is well-positioned for continued growth. The company remains committed to its “deeper impact” strategy, leveraging data-driven insights to enhance resource allocation and portfolio management.
As India’s housing sector witnesses favorable policy support and rising urbanization, Aadhar Housing Finance expects sustained momentum in the coming quarters.
