Aadhar Housing Finance assigns Rs 961.50 crore of loans
Key highlights
- Aadhar Housing Finance assigned Rs 961.50 crore of loans not in default across 10,216 accounts in the half year ended September 30, 2026.
- Aadhar Housing Finance retained 10% beneficial economic interest in the Rs 961.50 crore assigned loan pool.
- The transferred pool had a 150-month weighted average maturity, a 16-month holding period and 100% tangible-security coverage.
- Assignment and co-lending proceeds were Rs 961.50 crore in the half year ended September 30, 2026, compared with Rs 711.50 crore a year earlier.
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Aadhar Housing Finance Limited assigned Rs 961.50 crore of loans not in default across 10,216 accounts during the half year ended September 30, 2026, retaining 10% beneficial economic interest in the pool. The assigned loans had a weighted average maturity of 150 months and 100% tangible-security coverage.
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How much did Aadhar Housing Finance assign in the half year?
Aadhar Housing Finance assigned Rs 961.50 crore of loan accounts not in default in the half year ended September 30, 2026. The Reserve Bank of India disclosure records 10,216 assigned accounts and identifies Aadhar Housing Finance as a non-banking financial company housing finance company.
Aadhar Housing Finance’s standalone cash-flow statement reported Rs 961.50 crore of proceeds from assignment and co-lending of portfolio for the six months ended September 30, 2026, compared with Rs 711.50 crore in the corresponding half year ended September 30, 2025. That cash-flow line increased by Rs 250 crore year on year, although the filing does not separately split assignment and co-lending proceeds.
The Rs 961.50 crore of assignment and co-lending proceeds was lower than Rs 4,613.05 crore of housing and other property loans disbursed during the same six months. Aadhar Housing Finance reported housing and other loans of Rs 26,543.23 crore at September 30, 2026, up from Rs 24,839.59 crore at March 31, 2026.
What loans did Aadhar Housing Finance transfer?
Aadhar Housing Finance transferred loans not in default during the half year ended September 30, 2026. It separately stated that it neither transferred nor acquired stressed or default loans during that six-month period.
The transferred pool had a weighted average maturity of 150 months and a weighted average holding period of 16 months. The maturity exceeded the holding period by 134 months, based on the measures disclosed for the Rs 961.50 crore pool.
Aadhar Housing Finance reported 100% coverage of tangible security for the assigned loans. The filing records the rating-wise distribution as unrated, meaning it provides no external credit-rating split for the 10,216 accounts.
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What economic exposure did Aadhar Housing Finance retain?
Aadhar Housing Finance retained 10% beneficial economic interest in the assigned pool, which the filing labels MRR. The disclosed retention means Aadhar Housing Finance continued to have economic exposure to part of the Rs 961.50 crore transfer.
The September 30, 2026 filing does not identify the transferee, state the assignment price, describe servicing arrangements, or specify the instrument through which the 10% interest was retained. It says the disclosure follows the Reserve Bank of India’s 2025 directions on transfer and distribution of credit risk and financial-statement presentation.
Aadhar Housing Finance reported Rs 115.32 crore of net gain on derecognition of financial instruments under the amortised cost category in the half year ended September 30, 2026, versus Rs 76.58 crore a year earlier. The announcement does not attribute the Rs 38.74 crore increase in this line to the identified Rs 961.50 crore assignment, so it does not establish transaction-level profit from the transfer.
How does the transfer fit with Aadhar Housing Finance’s results?
Aadhar Housing Finance reported profit after tax of Rs 590.60 crore for the half year ended September 30, 2026, compared with Rs 503.65 crore in the corresponding prior-year period. Total income rose to Rs 2,044.84 crore from Rs 1,750.47 crore, while impairment on financial instruments increased to Rs 55.91 crore from Rs 39.88 crore.
Aadhar Housing Finance operates one reportable segment, housing finance business within financial services, according to its September 30, 2026 results. The filing therefore does not provide segment-level profit or asset data that isolates the financial effect of the Rs 961.50 crore loan assignment.
Aadhar Housing Finance reported gross non-performing assets, or GNPA, of 1.35% and net non-performing assets, or NNPA, of 0.89% at September 30, 2026. Its provision coverage ratio was 34.53%, while its capital adequacy ratio, or CRAR, was 42.11%.
Cash and cash equivalents stood at Rs 868.90 crore at September 30, 2026, compared with Rs 712.99 crore at March 31, 2026. Net cash used in operating activities was Rs 1,556.78 crore in the half year, while net cash generated from financing activities was Rs 1,695.91 crore.
Conclusion
The September 30, 2026 disclosure shows that Aadhar Housing Finance assigned a Rs 961.50 crore pool of 10,216 loans not in default, with 100% tangible-security coverage and a 10% retained beneficial economic interest. Assignment and co-lending proceeds increased by Rs 250 crore from the corresponding 2025 half year, while housing and other loans increased by Rs 1,703.64 crore from March 31, 2026.
The next disclosed matter to watch is Aadhar Housing Finance’s monitoring of Central and State rules and government clarifications on the Labour Codes. The company recorded a Rs 15.92 crore pre-tax past-service-cost impact in the year ended March 31, 2026 and said it would assess further effects as developments occur.