Aadhar Housing Finance Limited (NSE:AADHARHFC)

Aadhar Housing Finance Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Net Income	9,879	9,118	7,496	5,448	4,449	3,401
Depreciation & Amortization	257.9	237.3	204	159.8	125.5	104.5
Other Amortization	15.1	15.1	5.8	5.1	7	7.4
Loss (Gain) From Sale of Investments	-127.3	-222.4	-223.7	-317.9	-234.6	-87.8
Provision for Credit Losses	570.7	570.7	412.3	492.1	487.1	552.3
Stock-Based Compensation	97.3	110.2	20.3	56.3	76.7	61.2
Net Decrease (Increase) in Loans Originated / Sold - Operating	-40,777	-36,421	-30,936	-19,279	-12,925	-17,542
Change in Other Net Operating Assets	-1,344	-2,877	-1,553	1,753	-1,155	1,533
Other Operating Activities	465.1	-800.3	-930.8	128.5	100.7	-54
Operating Cash Flow	-30,960	-30,267	-25,501	-11,557	-9,068	-12,023
Capital Expenditures	-155.7	-148	-154.4	-104.4	-118.1	-51.2
Sale of Property, Plant & Equipment	2.1	2.1	2	3.7	0.6	0.4
Investment in Securities	-1,453	462.4	6,354	-4,665	8,343	-4,754
Other Investing Activities	1,396	1,279	1,030	-	-	-
Investing Cash Flow	-210.7	1,595	7,231	-4,765	8,226	-4,805
Short-Term Debt Issued	-	2,488	-	-	-	-
Long-Term Debt Issued	-	56,508	56,665	39,020	38,340	36,010
Total Debt Issued	73,357	58,997	56,665	39,020	38,340	36,010
Short-Term Debt Repaid	-	-2,500	-	-	-	-
Long-Term Debt Repaid	-	-32,865	-38,680	-24,273	-35,554	-28,826
Total Debt Repaid	-43,756	-35,365	-38,680	-24,273	-35,554	-28,826
Net Debt Issued (Repaid)	29,600	23,631	17,986	14,747	2,786	7,184
Issuance of Common Stock	256.4	10,361	-	-	-	0.2
Other Financing Activities	-751.5	-99.8	-204.7	-115.2	-37.8	-170.5
Financing Cash Flow	29,105	33,892	17,781	14,632	2,749	7,014
Net Cash Flow	-2,065	5,221	-488.8	-1,690	1,907	-9,814
Free Cash Flow	-31,115	-30,415	-25,655	-11,661	-9,186	-12,074
Free Cash Flow Margin	-151.95%	-160.60%	-162.97%	-96.32%	-97.54%	-166.25%
Free Cash Flow Per Share	-70.45	-69.54	-62.79	-28.66	-22.56	-29.70
Cash Interest Paid	704.8	51.4	42.5	-	-	-
Cash Income Tax Paid	2,626	2,507	2,197	1,417	1,154	998.7

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