Aadhar Housing Finance Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	32,439	27,190	22,752	17,763	15,383
Total Interest Expense	13,644	11,581	9,715	7,836	7,382
Net Interest Income	18,795	15,609	13,037	9,927	8,001
Commissions and Fees	2,108	1,994	1,684	1,047	735.6
Gain (Loss) on Sale of Investments	-	222.4	223.7	317.9	234.6
Other Revenue	2,322	1,683	1,211	1,306	932.5
Revenue Before Loan Losses	23,225	19,508	16,155	12,599	9,904
Provision for Loan Losses	675.8	570.7	412.3	492.1	487.1
Revenue	22,549	18,938	15,743	12,107	9,417
Revenue Growth (YoY)	19.07%	20.29%	30.03%	28.56%	29.67%
Salaries & Employee Benefits	5,534	4,645	4,035	3,220	2,482
Cost of Services Provided	-	822.9	622.1	460.9	254.7
Other Operating Expenses	2,476	1,482	1,277	1,053	872.6
Total Operating Expenses	8,331	7,202	6,143	4,899	3,742
Operating Income	14,218	11,735	9,599	7,207	5,675
EBT Excluding Unusual Items	14,218	11,735	9,599	7,207	5,675
Other Unusual Items	-159.2	-	-	-250	-
Pretax Income	14,059	11,733	9,596	6,958	5,674
Income Tax Expense	3,100	2,614	2,100	1,511	1,225
Net Income	10,959	9,118	7,496	5,448	4,449
Net Income to Common	10,959	9,118	7,496	5,448	4,449
Net Income Growth	20.18%	21.64%	37.61%	22.46%	30.79%
Shares Outstanding (Basic)	433	425	395	395	395
Shares Outstanding (Diluted)	442	437	409	407	407
Shares Change (YoY)	1.16%	7.04%	0.41%	-0.06%	0.15%
EPS (Basic)	25.31	21.43	18.99	13.80	11.27
EPS (Diluted)	24.77	20.85	18.35	13.39	10.93
EPS Growth	18.80%	13.62%	37.04%	22.51%	30.59%
Free Cash Flow	-28,266	-30,415	-25,655	-11,661	-9,186
Free Cash Flow Per Share	-63.89	-69.54	-62.79	-28.66	-22.56
Operating Margin	63.06%	61.97%	60.98%	59.53%	60.27%
Profit Margin	48.60%	48.15%	47.62%	45.00%	47.24%
Free Cash Flow Margin	-125.35%	-160.60%	-162.97%	-96.32%	-97.54%
Effective Tax Rate	22.05%	22.28%	21.88%	21.71%	21.59%
Revenue as Reported	36,869	31,089	25,870	20,435	17,286

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.