Aadhar Housing Finance Ltd

AADHARHFC

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Market Cap

₹ 21,572 Cr

P/E

21.84

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Performance

STEADY PERFORMER

Valuation

OVERVALUED

Growth

STABLE

Profitability

HIGH MARGIN

Technicals

Bearish

Risk

MODERATE RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

Aadhar Housing Finance Limited primarily serves the financing needs of economically weaker and low-to-middle income groups by offering housing loans and loans against property.

The company witnessed a substantial 21% YoY growth in assets under management (AUM) reaching Rs. 27,554 crores, indicating strong market demand and effective strategies.

Digital transformation through AI and machine learning has enhanced operational efficiency, aligning with their strategic priorities for tech-driven growth.

Growth is supported by key policy reforms like GST 2.0, promising reduced costs in housing and boosting the affordable housing segment.

Their diversified distribution network across 22 states with 611 branches showcases their expansive reach and ability to serve underserved markets effectively.

Sector

Finance

Industry

Finance - Housing - Large

Market Cap

21,572 Cr

Volatility

Low Risk

P/E Ratio

21.8

Industry P/E

14.4

PEG Ratio

1.0

P/B Ratio

3.1

52W High

547.75

52W Low

340.50

Sales CAGR

20.13%

22.45%

17.77%

10Y

36.18%

Profit CAGR

21.64%

27.06%

36.94%

10Y

48.03%

ROE

TTM

14.33%

15.20%

14.69%

10Y

14.27%

ROCE

TTM

10.42%

10.16%

9.98%

10Y

9.89%

Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Forecasts

No. of Analysts

15

1Y Price Target

603.65 ▲ 22.94%

Q3 EPS Estimate

Q3 Revenue Estimate

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Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

updated on

Dec 03, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
LICHSGFIN	531.00	29,225 Cr	5.29	0.76	1.88	14.34	8.64	1.73
PNBHOUSING	922.30	24,027 Cr	11.18	1.34	0.54	11.96	9.14	2.51
AADHARHFC	497.30	21,572 Cr	21.84	3.13	0.00	14.33	10.42	3.94
APTUS	289.85	14,513 Cr	17.21	3.12	1.55	18.11	14.31	7.01
HOMEFIRST	1184.55	12,325 Cr	27.22	3.07	0.27	11.28	10.11	3.28
SAMMAANCAP	148.65	12,314 Cr	9.70	0.55	1.35	5.67	9.51	1.78
AAVAS	1546.10	12,271 Cr	25.02	3.25	0.00	13.00	8.96	2.97

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	593	629	673	692	713	764	798	833	848	897
Expenses	166	132	156	166	173	180	187	197	207	208
Interest	235	239	251	262	277	285	297	315	332	342
Financing Profit	192	258	266	264	263	299	314	321	309	348
Financing Margin %	32.39	41.02	39.52	38.21	36.93	39.07	39.38	38.57	36.44	38.77
Other Income	0.00	0.12	0.03	0.02	0.01	0.01	0.03	1.23	3.16	2.13
Depreciation	4.82	4.95	5.45	5.76	6.11	6.20	6.48	6.45	7.12	7.25
Profit Before Tax	187	253	261	259	257	292	308	316	305	343
Tax %	21.93	22.02	21.60	21.98	22.20	22.20	22.21	22.50	22.24	22.25
Net Profit	146	197	204	202	200	228	239	245	237	266
EPS in Rs	—	—	—	—	4.57	5.12	5.39	5.53	5.36	6.03
Gross NPA %	1.46	1.40	0.00	1.10	1.31	1.30	0.00	0.00	0.00	0.00
Net NPA %	1.10	0.90	0.00	0.70	0.90	0.90	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	807	1,266	1,388	1,575	1,728	2,043	2,587	3,108	3,243
Expenses	183	276	352	316	387	507	620	737	771
Interest	462	732	793	816	761	799	987	1,174	1,229
Financing Profit	162	257	242	443	580	737	980	1,197	1,243
Financing Margin %	20.12	20.33	17.42	28.15	33.58	36.07	37.90	38.53	38.33
Other Income	0.12	0.02	0.79	0.22	0.29	0.29	0.17	1.28	4.43
Depreciation	3.63	8.55	12	11	13	16	21	25	26
Profit Before Tax	159	249	231	433	567	721	960	1,173	1,221
Tax %	37.31	29.36	17.99	21.36	21.59	20.96	21.88	22.28	22.29
Net Profit	100	162	189	340	445	545	750	912	949
EPS in Rs	—	—	—	—	—	—	18.35	20.61	22.31
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	25	25	39	395	395	395	395	431
Reserves	674	834	2,308	2,298	2,752	3,303	4,055	5,941
Borrowings	5,476	8,195	9,643	10,374	10,675	12,153	13,960	16,322
Other Liabilities	1,653	426	376	563	555	767	684	529
Total Liabilities	7,828	9,480	12,366	13,630	14,376	16,618	19,093	23,224
Fixed Assets	19	42	44	53	55	63	80	92
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	21	150	24	497	338	459	462	513
Other Assets	7,788	9,289	12,298	13,080	13,983	16,095	18,551	22,619
Total Assets	7,828	9,480	12,366	13,630	14,376	16,618	19,093	23,224

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-2,565	-2,554	-1,785	-1,780	-907	-1,156	-2,429	-3,027
Cash from Investing Activity	175	-49	-1,495	-480	823	-477	602	160
Cash from Financing Activity	2,505	3,356	3,701	1,279	275	1,463	1,778	3,389
Net Cash Flow	116	754	422	-981	191	-169	-49	522

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jan 2021	Apr 2022	Jan 2024	Apr 2024	May 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	100.00%	98.72%	98.72%	98.72%	76.48%	76.48%	75.89%	75.74%	75.61%	75.50%	75.32%
FIIs	0.00%	0.00%	0.00%	0.00%	4.47%	4.17%	4.33%	4.30%	5.32%	5.58%	6.10%
DIIs	0.00%	1.28%	1.28%	1.28%	7.18%	8.59%	9.46%	9.27%	8.57%	8.44%	8.25%
Public	0.00%	0.00%	0.00%	0.00%	11.87%	10.76%	10.33%	10.69%	10.50%	10.48%	10.33%
Total Shareholders	49	50	51	51	7,30,542	2,39,696	2,20,338	2,19,626	2,09,369	2,02,739	1,97,894

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Dec 23, 2024	Suraj shetty revised	Insider - Designated Person	Invoke	503.63	0.00 Cr	8	0.00
Sep 30, 2024	Anmol gupta	Insider - Designated Person	Disposal	495.00	0.25 Cr	5,000	0.00
Sep 30, 2024	Rajesh k l	Insider - Designated Person	Disposal	490.41	0.12 Cr	2,500	0.00
Sep 30, 2024	Suraj shetty	Insider - Designated Person	Revoke	503.63	0.00 Cr	8	0.00
Sep 30, 2024	Vikramsingh banayat	Insider - Designated Person	Disposal	494.00	0.00 Cr	50	—
Sep 30, 2024	Anmol gupta	Insider - Designated Person	Disposal	492.50	0.49 Cr	10,000	0.00
Sep 30, 2024	Anmol gupta	Insider - Designated Person	Revoke	495.00	0.25 Cr	5,000	0.00
Sep 27, 2024	Rajesh k l	Insider - Designated Person	Disposal	508.87	0.10 Cr	2,000	0.00
Sep 27, 2024	Suraj shetty	Insider - Designated Person	Disposal	503.63	0.00 Cr	8	0.00
Sep 27, 2024	Anmol gupta	Insider - Designated Person	Revoke	507.50	2.03 Cr	40,000	0.01

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