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Mumbai, January 31, 2026: Aadhaar Housing Finance Ltd. has announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The good performance of the company in the last nine months has given it confidence to achieve the AUM and profitability targets set for this year.

Key Features of Financial Performance:

Details

9M FY26
9M FY26
Growth (Percentage)
Q3 FY26
Q3 FY25
Growth (Percentage)

Assets Under Management (AUM) (Rs. Crores)

28,790
23,976
20%
28,790
23,976
20%

Distribution (Rs. Crores)

6,469
5,626
15%
2,380
2,094
14%

Profit After Tax (PAT) (Rs. Crores)

797*
667
20%
294*
239
23%

Net Worth (Rs. Crores)

7,185
6,114
18%
7,185
6,114
18%

ROA (Percentage)

4.4%*
4.3%
+ 4 bps
4.6%*
4.4%
+ 21 bps

ROE (Percentage)

15.6%*
16.8%**
– 115 bps
16.5%*
15.8%
+ 70 bps

GNPA on AUM (Percentage)

1.38%
1.36%
+ 2 bps
1.38%
1.36%
+ 2 bps

This includes the lower base effect of the initial investment of Rs 1000 crore made in May 2024.
Performance Features – Q3 & 9M FY26

• Assets under management (AUM) grew by 20 percent year-on-year to Rs 28,790 crore as on 31 December 2025 from Rs 23,976 crore as on 31 December 2024.
• As on 31 December 2025, the total number of loan accounts reached over 3,24,000.
• Profit after tax rose 20% to Rs 797 crore in FY26 from Rs 667 crore in 9M FY25.
• Profit after tax increased from Rs 239 crore in the third quarter of FY25 to Rs.
• 294* crore with a growth of 23% during the quarter.
• Net worth as on 31 December 2025 stood at Rs 7185 crore.
• Return on assets (ROA) was 4.4% for the nine months of FY26 compared to 4.3% in the nine months of FY25.
• Return on Equity (ROE) was 15.6% for the nine months of FY26 as compared to 16.8% for the nine months of FY25.
• Gross NPAs stood at 1.38% as on 31st December 2025 as compared to 1.36% as on 31st December 2024.

Expressing his opinion about the above performance, Managing Director and Chief Executive Officer Shri. Rishi Anand said,

“Aadhaar Housing Finance has maintained a strong growth momentum in the third quarter of FY 2026, further strengthening our leadership in the low-income housing finance segment. Our strategic ‘Urban and Emerging’ branch model continues to perform well, with over 621 branches serving the underprivileged. Increased our presence in more branches.Our AUM stood at Rs 28,790 crore as on December 31, 2025. Profit after tax for FY26 reached Rs 797 crore*.

In the current microeconomic environment there is a huge opportunity for the low-income housing sector, which will be supported by the benefits of the GST 2.0 policy, which will reduce construction costs for developers. With this, the housing market has great opportunities as we move into 2026. We expect stable customer sentiment in our segment.”
The Pradhan Mantri Awaaz Yojana (PMAY) 2.0 scheme is playing a supportive role in driving demand in the low income/affordable housing segment. More than 10,000 customers have already received the first installment of interest subsidy under PMAY 2.0. Availability of interest subsidy under PMAY 2.0 has made home ownership easier especially for first time home buyers in EWS and LIG segments. We expect more response to this scheme due to greater spread of awareness among consumers, increase in distribution in the affordable housing segment.

Moving forward, Aadhaar is committed to evolving its digital-centric operating model, prioritizing adoption of AI across the industry rather than being limited to pilot applications. Integrating AI-focused underwriting co-pilots and leveraging borrower insights, we are improving processes, governance and risk management. We are focused on making home buying easier for low-income families and promoting sustainable financial inclusion across India.