India · Delayed Price · Currency is INR Aadhar Housing Finance Earnings Call Transcripts
Fiscal Year 2026
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AUM grew 20% YOY to over INR 30,000 crore, with record disbursements and strong asset quality. PAT rose 22% YOY, and guidance for 20% AUM and profit growth is maintained, supported by stable demand and robust branch expansion.
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AUM grew 20% YoY to INR 28,790 crore, with PAT up 20% and asset quality improving. Guidance for FY26 and FY27 remains strong, with stable margins, robust disbursement growth, and continued branch expansion. Asset quality and risk metrics remain healthy.
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AUM grew 21% year-over-year to INR 27,554 crore, with PAT up 18% and asset quality stable. Expansion, digital initiatives, and sector tailwinds support confidence in meeting 20%-22% AUM and 18%-20% profit growth guidance.
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AUM grew 22% year-over-year to INR 26,524 crore, with strong disbursement and stable asset quality. PAT rose 19% to INR 237 crore, and the company maintained robust capital adequacy and NIM. Growth guidance for FY 2026 remains at 20%-22% AUM, with continued expansion in emerging markets.
Fiscal Year 2025
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AUM grew 21% YoY to INR 26,531 crores, with PAT up 22% and GNPA at 1.04%. Expansion focused on emerging markets, supported by strong technology and diversified funding, with guidance for continued double-digit growth and stable asset quality.
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AUM grew 21% YoY to INR 23,976 crore, with strong disbursement and profit growth. Asset quality remains robust, and guidance for FY26 is 20%-22% AUM growth, supported by digital initiatives and favorable government policies.
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AUM grew 21% YoY to INR 21,726 crores, with PAT up 37% to INR 200 crores and spreads at 6%. Disbursement growth was impacted by the RBI circular but is expected to normalize, with FY25 AUM growth guided at 20%-23%. Asset quality and cost metrics improved.
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AUM grew 21% YoY to INR 21,726 crore, with strong PAT growth of 37% and improved asset quality. Disbursement growth was impacted by the RBI circular but is expected to normalize, with FY25 AUM growth guided at 20%-23%.