Aadhar Housing Finance Ltd

Q3 FY25Finance

Aadhar Housing Finance Q3 FY25 earnings call: Revenue & Margins

Q3 FY25 earnings call: what management guided on revenue, margins and order book.

Price₹463

Market cap₹22.1K Cr

P/E19.2

Updated23 Aug 2026

Read4 min read

The short version

Aadhar Housing Finance targets AUM growth of about 22% to 24% annually. Aadhar Housing Finance targets AUM growth of about 22% to 24% annually.

From Aadhar Housing Finance Ltd's Q3 FY25 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

Aadhar Housing Finance targets AUM growth of about 22% to 24% annually.
Disbursement growth is projected at 18% to 20% year-on-year.
The company expects sustained growth momentum driven by affordable housing demand.
Industry growth outlook: housing sector to grow 15%-16%, and affordable housing 20%-22% in FY 2026.
Government initiatives like PMAY, mortgage guarantee scheme, and SWAMIH Fund 2.0 provide positive triggers.
Expansion plans include adding approximately 55 branches per year to enhance market reach.
Digital and data analytics investments will support scalable, efficient growth.

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Profitability & Margins

Aadhar Housing Finance targets AUM growth of about 22% to 24% annually.
Corresponding disbursement growth is expected at 18% to 20% year-on-year.
Management expects steady, consistent quarterly performance aligned with these growth rates.
Credit cost is expected to remain stable around 25 to 27 basis points going forward.
Profit after tax showed 22% Y-o-Y growth for 9 months FY '25, with consistent quarterly profit increase.
Employee costs expected to grow around 17% to 18%, manageable with fixed-variable pay mix.
Spreads are forecasted to stabilize around 5.5% to 5.7%, with mild compression over time.

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Capital Expenditure Plans

The transcript does not explicitly mention any current or future capex, capital investments, or strategic investments by Aadhar Housing Finance Limited. However, related points implying strategic focus include: - Continued branch expansion: Target to close current year with about 55 branches and similar numbers planned for the next year (Page 13). - Strengthening senior management with the induction of Head of HR to support organizational growth (Page 4).

- Ongoing investments in data analytics and customer retention teams to reduce BT out (Page 9). - Participation in government schemes (PMAY, SWAMIH Fund 2.0) that indirectly support housing finance expansion and affordable housing supply (Page 8-9). No specific capital expenditure or strategic investment figures or plans beyond branch expansion and organizational strengthening are detailed in the sections provided.

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Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked

1Mufin Green₹2.7K Cr

Rev 1Mar 1

2Akiko₹464 Cr

Rev 1Mar 1

3₹961 Cr

Rev 1Mar 2

4₹1.4L Cr

Rev 1Mar 3

5₹23.8K Cr

Rev 1Mar 3

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

No explicit mention of any new or upcoming fundraising through debt or equity in the provided transcript.
Current borrowing as of December 31, 2024, stands at INR 15,135 crores, with a borrowing mix of 51% from banks, 25% from NHB, and 24% from NCDs.
Incremental borrowings for Q3 FY '25 were INR 1,178 crores at a cost of funds of 8.28%.
The company has 43 borrowing relationships and undrawn sanctions of INR 1,100 crores as of December 31, 2024.

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Order Book & Pipeline

The transcript does not explicitly mention "Current/ Expected Orderbook/ Pending Orders" for Aadhar Housing Finance Limited. However, inferred insights related to growth and loan book targets include: - The company aims to grow its Asset Under Management (AUM) at about 22% to 24% annually. - Disbursement growth is expected in the range of 18% to 20%. - The loan book target for the near term is to grow from around INR 22,000 crores to INR 25,000 crores. - Undrawn sanctions as of December 31, 2024, stand at INR 1,100 crores, indicating potential pending disbursements or available loan pipelines.

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What Aadhar Housing Finance Ltd's management said in earlier quarters

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Frequently Asked Questions

What were Aadhar Housing Finance Ltd Q3 FY25 results?

Aadhar Housing Finance targets AUM growth of about 22% to 24% annually. Aadhar Housing Finance targets AUM growth of about 22% to 24% annually.

What is Aadhar Housing Finance Ltd share price analysis?

Aadhar Housing Finance Ltd currently shows a neutral. The stock trades at a P/E of 19.2 with a market cap of ₹22,094 Cr. Investors should review the full earnings analysis for detailed insights.

Is Aadhar Housing Finance Ltd planning capital expenditure?

The transcript does not explicitly mention any current or future capex, capital investments, or strategic investments by Aadhar Housing Finance Limited.

Keep Aadhar Housing Finance Ltd on your radar — track it to get its next earnings analysis in your feed.

This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.

Revenue & Sales Performance

Profitability & Margins

Capital Expenditure Plans

Top-ranked in Finance

Fundraising & Capital Structure

Order Book & Pipeline

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What Aadhar Housing Finance Ltd's management said in earlier quarters

Others in Finance this season

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Frequently Asked Questions

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