India · Delayed Price · Currency is INR Aadhar Housing Finance Earnings Call Transcripts
Fiscal Year 2026
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AUM grew 20% year-over-year to INR 30,571 crore, with record disbursements and strong asset quality. PAT rose 22% to INR 1,108 crore, and ROA/ROE remained robust. Guidance for 20% AUM and profit growth is maintained, supported by stable demand and prudent risk management.
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AUM grew 20% YoY to INR 28,790 crore, with PAT up 20% and asset quality stable. Guidance for FY26 and FY27 remains strong, targeting 20%+ AUM growth, stable margins, and GNPA of 1.10%-1.15%.
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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, technology upgrades, and prudent risk management. Guidance for FY26 targets 20-21% AUM and PAT growth, with 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% and GNPA improving to 1.31%. Disbursement growth was muted by regulatory changes, but underlying momentum remains strong, with FY25 AUM growth guided at 20%-23% and spreads expected to remain robust.
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AUM grew 21% YoY to INR 21,726 crore, with PAT up 37% and spreads at 6%. Disbursement growth was muted by an RBI circular but is expected to rebound, with FY25 AUM growth guided at 20%-23%. Asset quality improved, and liquidity remains strong.