Aadhar Housing Finance Ltd has announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The company’s strong nine-month momentum reinforces its confidence in achieving the AUM and profit guidance given for this year.

PERFORMANCE HIGHLIGHTS: Q3 & 9M FY26

Assets under management (AUM) grew by 20% YoY to ₹28,790 crore as on December 31, 2025, from ₹ 23,976 crore as of December 31, 2024.

Total number of loan accounts as of December 31, 2025, reached 3,24,000+.

Profit after tax grew 20% YoY to ₹ 797* crore in 9M FY26 from ₹ 667 crore in 9M FY25.

Profit after tax grew 23% YoY to ₹ 294* crore in Q3 FY26 from ₹ 239 crore in Q3 FY25.

Net worth stood at ₹ 7,185 crore as of December 31, 2025.

Return on assets (ROA) 9M FY26 at 4.4%, as against 4.3% as on 9M FY25.

Return on equity (ROE) 9M FY26 at 15.6%, as against 16.8% as on 9M FY25.

Gross NPA as of December 31, 2025, stood at 1.38%, as against 1.36% as on December 31, 2024.

Commenting on the above performance, Rishi Anand, MD & CEO, said: “Aadhar Housing Finance has maintained its strong growth trajectory in the third quarter of FY2026, reinforcing our leadership in the Low-income housing finance segment. Our strategic ‘Urban and Emerging’ branch model continues to yield significant results, as we deepen our presence across more than 621 branches to serve the underserved. Our AUM stood at ₹28,790 crore as of December 31, 2025, reflecting a year-on-year growth of 20%. Profit after Tax for nine months FY26 has also seen growth of 20% YoY, rising to ₹797 crore. The current macroeconomic landscape offers a significant tailwind for the low-income housing sector, coupled with the ongoing benefits of the GST 2.0 framework which reduces construction costs for developers, positions the housing market on a strong footing as we move into 2026. We are seeing resilient buyer sentiment in our segment.”

The Pradhan Mantri Awas Yojana (PMAY) 2.0 scheme continues to play a supportive role in driving demand across the Low Income/affordable housing segment. Under PMAY 2.0, 10,000+ customers have already received the first tranche of the interest subsidy. The availability of interest subsidies under PMAY 2.0 has improved affordability for first-time homebuyers, particularly in the EWS and LIG segments. We expect the scheme to gain further traction as customer awareness improves, supporting disbursement growth in the affordable housing segment.

Looking ahead, Aadhar is committed to evolving its digital-first operating model by moving beyond AI pilots toward enterprise-wide deployment. By integrating AI-led underwriting co-pilots and leveraging enhanced borrower visibility, we are improving speed, governance, and risk management. Our focus remains steadfast on enabling homeownership for low-income families and driving sustainable financial inclusion across India.”