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Aadhar Hsg. Fin.

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Aadhar Hsg. Fin. Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹463
Market cap₹20.2K Cr
P/E17.6
Updated23 Aug 2026
Read5 min read

The short version

Aadhar Housing Finance is guiding for a 20% growth in Assets Under Management (AUM) and profits in the near to medium term (Page 4). Aadhar Housing Finance Limited targets around 20% AUM growth in the short to medium term, aiming to grow from INR30,000 crores towards INR50,000 crores over three years (Page 7, 13).

From Aadhar Hsg. Fin.'s Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Aadhar Housing Finance is guiding for a 20% growth in Assets Under Management (AUM) and profits in the near to medium term (Page 4).
  • Disbursement growth is targeted at 17%-18% annually, with Q4 FY26 witnessing the highest ever disbursement at INR3,087 crores, a 20% YoY increase (Page 4).
  • The company plans to sustain around 20% AUM growth annually over the next 3 years, aiming to reach INR50,000 crores AUM within that timeframe (Page 12).
  • Growth contributions will come from all states of presence, with major contributions from Uttar Pradesh, Maharashtra, Madhya Pradesh, Tamil Nadu, Delhi NCR, Karnataka, Haryana, Uttarakhand, Rajasthan, and emerging potential in West Bengal (Page 12).
  • Focus on home loans with a retail mix maintained around 70:30 (home loans:non-home loans) (Page 14).

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Profitability & Margins

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Capital Expenditure Plans

The provided pages of the transcript from Aadhar Housing Finance Limited do not explicitly mention any current or future capex, capital investment, or strategic investment plans. However, some relevant points indirectly related to investments and strategic focus include: - The company is focusing on increasing business through emerging B, C categories and Loan Against Property (LAP), which could imply investment in market segments. - Emphasis on branch productivity and expansion, including different categories of branches (ultra micro to main branch) becoming productive within 9 to 15 months. - Implementation of AI-driven models aimed at improving sales productivity and operational efficiency.

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Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked
1Mufin Green
Rev 1Mar 1
2Akiko
Rev 1Mar 1
3
Rev 1Mar 2
4
Rev 1Mar 3
5
Rev 1Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

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Order Book & Pipeline

The provided pages from the Aadhar Housing Finance Limited document do not explicitly mention the current or expected order book or pending orders figures. The discussion mainly revolves around loan disbursement, average ticket sizes, funding costs, portfolio composition, branch productivity, and growth strategies. Key related points: - AUM growth guidance is around 20% year-on-year. - Disbursements in Q4 were the highest in company history at INR 3,087 crores (20% Y-o-Y increase). - The company maintains a diversified book with a home loans share of 73% and loan against property (LAP) at 27%. - Branch network expanded with 5 new branches in Q4 and 46 in the full year, totaling 626 branches.

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Frequently Asked Questions

What were Aadhar Hsg. Fin. Q4 FY26 results?

Aadhar Housing Finance is guiding for a 20% growth in Assets Under Management (AUM) and profits in the near to medium term (Page 4). Aadhar Housing Finance Limited targets around 20% AUM growth in the short to medium term, aiming to grow from INR30,000 crores towards INR50,000 crores over three years (Page 7, 13).

What is Aadhar Hsg. Fin. share price analysis?

Aadhar Hsg. Fin. currently shows a neutral. The stock trades at a P/E of 17.6 with a market cap of ₹20,248 Cr. Investors should review the full earnings analysis for detailed insights.

Is Aadhar Hsg. Fin. planning capital expenditure?

The provided pages of the transcript from Aadhar Housing Finance Limited do not explicitly mention any current or future capex, capital investment, or strategic investment plans.

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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.