Aadhar Housing Finance Reports 17.17% Profit Growth in Q3 FY25

Introduction

Aadhar Housing Finance has reported strong financial performance in the third quarter of FY25, with a 17.17% rise in net profit. The company’s robust growth reflects increasing demand for affordable housing loans and effective financial management.

Table of Contents

• Aadhar Housing Finance’s Q3 Profit Rises 17.17%
• Aadhar Housing Strong Growth in Net Profit
• Aadhar Housing Finance’s AUM Grows 21% to ₹23,976 Crore
• About Aadhar Housing Finance Ltd
• Aadhar Housing Finance: Stock Performance
• Conclusion
• Frequently Asked Questions

Aadhar Housing Finance’s Q3 Profit Rises 17.17%

Aadhar Housing Finance has demonstrated a robust performance in the third quarter of FY25, with several key financial metrics reflecting significant growth:

• Net Profit: The company reported a net profit of ₹239 crore, marking a 17% increase from ₹204 crore in the same quarter of the previous year.
• Total Income: Total income rose by 19% to ₹785 crore, up from ₹659 crore in the corresponding period last year.
• Assets Under Management (AUM): AUM grew by 21% year-on-year, reaching ₹23,976 crore as of December 31, 2024, compared to ₹19,865 crore a year earlier.
• Loan Accounts: The total number of loan accounts increased to over 286,000, indicating the company’s expanding customer base.
• Gross Non-Performing Assets (NPA): The gross NPA ratio improved slightly to 1.36%, down from 1.40% in the previous year, reflecting effective risk management.

These results underscore Aadhar Housing Finance’s strong position in the affordable housing finance sector and its commitment to serving the housing needs of low-income groups in India.

Aadhar Housing Strong Growth in Net Profit

Aadhar Housing Finance reported a 17% year-on-year rise in net profit surged to ₹239.34 crore in Q3 FY25, compared to ₹204.27 crore in the same period last year. This impressive growth is backed by higher loan disbursements, improved asset quality, and operational efficiencies. The net profit was ₹203 crore in the year-ago period. The lender’s total income stood 19% higher at ₹ 785 crore, against ₹ 659 crore.

Aadhar Housing Finance’s AUM Grows 21% to ₹23,976 Crore

Aadhar Housing Finance’s assets under management (AUM) grew by 21% year-on-year, reaching ₹23,976 crore, up from ₹19,865 crore in the previous year. Commenting on the growth, Rishi Anand, MD & CEO of Aadhar Housing Finance, stated, “Our AUM has consistently grown, reaching ₹23,976 crore at the end of Q3 FY25, reflecting a 21% year-on-year increase.”

The company’s gross non-performing assets (NPA) saw a slight improvement, declining to 1.36% in Q3 FY25 from 1.40% as of December 31, 2023. Additionally, loan disbursements surged by 20%, while profit after tax (PAT) for the nine months ending December 31, 2024, reached ₹667 crore, marking a 22% year-on-year growth. Ahead of the earnings announcement, Aadhar Housing Finance’s stock closed at ₹394.30 on the BSE, up nearly 1%.

About Aadhar Housing Finance Ltd

Aadhar Housing Finance Ltd. is one of India’s largest housing finance companies, focusing on providing affordable home loans to low-income groups. The company primarily caters to the low-income housing segment, offering loans under ₹15 lakh. As of December 2023, the average loan size stood at ₹10 lakh, with an average loan-to-value (LTV) ratio of 58.3%.

Aadhar Housing Finance: Stock Performance

Aadhar Housing Finance’s stock (NSE: AADHARHFC) is currently trading at ₹408.75, up ₹15.80 (4.02%) as of 11:23 AM IST on February 7. The stock opened at ₹399.00, touched a high of ₹411.25, and a low of ₹398.15.

• Market Capitalisation: ₹17,600 crore
• P/E Ratio: 20.92
• 52-Week High: ₹516.80
• 52-Week Low: ₹292.00

Conclusion

Aadhar Housing Finance Ltd. continues to strengthen its position as a leading player in affordable housing finance. With a 17.17% rise in net profit, a 21% increase in AUM, and steady improvement in asset quality, the company demonstrates strong financial growth and effective risk management.

Backed by rising demand for home loans, government initiatives, and a focus on low-income housing, Aadhar Housing Finance is well-positioned for sustained growth. The company’s consistent performance and strategic expansion make it a key player in India’s evolving housing finance sector.

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