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Aadhar Housing Finance has outlined plans to increase its assets under management (AUM) to INR 50,000 crore by FY29, supported by an anticipated 18–20 per cent annual growth in loan disbursements. The affordable housing lender ended FY26 with an AUM of INR 30,571 crore and reported a 22 per cent rise in net profit to INR 1,108 crore. The company, which primarily serves low-income homebuyers with average loan ticket sizes below INR 15 lakh, expects to maintain profit growth of 20–22 per cent. Alongside business expansion, the lender plans to open 40–45 new branches during the current financial year while continuing to strengthen its nationwide presence across 22 states and Union Territories.
Aadhar Housing Finance, a housing finance company focused on low-income borrowers, is targeting assets under management (AUM) of INR 50,000 crore by FY29, driven by expected annual loan growth of 18–20 per cent. The lender, which closed FY26 with an AUM of INR 30,571 crore, expects continued demand for affordable housing finance and policy support to underpin its expansion plans across India.
Speaking about the company’s growth outlook, Managing Director and Chief Executive Officer Rishi Anand said Aadhar Housing Finance was anticipating loan growth of 18–20 per cent and, based on the current trajectory, expected to surpass the INR 50,000 crore AUM milestone by FY29.
The company primarily caters to the affordable housing segment, with an average loan ticket size of less than INR 15 lakh. According to Anand, the segment continues to benefit from several long-term structural factors, including favourable demographic trends, increasing formalisation of the economy and continued government support through initiatives such as the Pradhan Mantri Awas Yojana (PMAY).
On profitability, the company expects to maintain a net profit growth run rate of 20–22 per cent. Aadhar Housing Finance reported a net profit of INR 1,108 crore for FY26, representing a 22 per cent increase over the previous financial year.
Asset quality remained largely stable during the period. The company’s gross non-performing asset (NPA) ratio stood at 1.08 per cent at the end of FY26, compared with 1.05 per cent recorded at the close of FY25. Its capital adequacy ratio was reported at 42 per cent as of March 2026, indicating a strong capital position to support future lending activity.
As of March 2026, Aadhar Housing Finance operated through 626 branches spread across 552 districts in 22 states and Union Territories. The lender was servicing approximately 3.40 lakh live customer accounts across the country.
Addressing risk management and portfolio diversification, Anand said the company maintained a geographically diversified loan book, with no individual state accounting for a disproportionately large share of business. He noted that the lender continued to keep exposure below 15 per cent in any state across three key parameters—AUM, disbursements and distribution.
The company’s expansion strategy combines the opening of new branches with efforts to improve productivity across its existing network. Anand said technology remained a critical enabler of growth and operational efficiency.
Looking ahead, Aadhar Housing Finance plans to strengthen its distribution footprint further by adding 40–45 new branches across various geographies during the current financial year as it pursues growth in the affordable housing finance market.
Source - PTI
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