Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Aadhar Housing Finance Ltd
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 555 | 593 | 629 | 673 | 692 | 713 | 764 | 798 | 833 | 848 | 897 | 943 | 985 |
| Interest | 213 | 235 | 239 | 251 | 262 | 277 | 285 | 297 | 315 | 332 | 342 | 348 | 343 |
| Expenses + | 133 | 166 | 132 | 156 | 166 | 173 | 180 | 187 | 197 | 207 | 208 | 214 | 240 |
| Financing Profit | 209 | 192 | 258 | 266 | 264 | 263 | 299 | 314 | 321 | 309 | 348 | 382 | 401 |
| Financing Margin % | 38% | 32% | 41% | 40% | 38% | 37% | 39% | 39% | 39% | 36% | 39% | 40% | 41% |
| Other Income + | -25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 2 | -15 | 8 |
| Depreciation | 4 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 7 | 7 | 7 | 11 |
| Profit before tax | 180 | 187 | 253 | 261 | 259 | 257 | 292 | 308 | 316 | 305 | 343 | 360 | 398 |
| Tax % | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% |
| Net Profit + | 141 | 146 | 197 | 204 | 202 | 200 | 228 | 239 | 245 | 237 | 266 | 281 | 311 |
| EPS in Rs | 3.56 | 3.71 | 5.00 | 5.17 | 5.11 | 4.69 | 5.29 | 5.56 | 5.68 | 5.49 | 6.15 | 6.48 | 7.14 |
| Gross NPA % | 1.46% | 1.40% | 1.40% | 1.10% | 1.31% | 1.30% | 1.36% | 1.05% | 1.34% | 1.40% | 1.38% | 1.08% | |
| Net NPA % | 1.10% | 0.90% | 0.97% | 0.70% | 0.90% | 0.90% | 0.95% | 0.70% | 1.01% | 0.80% |
Financials of Aadhar Housing Finance Ltd
Annual income statement trend
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue + | 1,266 | 1,388 | 1,575 | 1,728 | 2,043 | 2,587 | 3,108 | 3,673 |
| Interest | 732 | 793 | 816 | 761 | 799 | 987 | 1,174 | 1,364 |
| Expenses + | 276 | 350 | 316 | 387 | 507 | 619 | 736 | 869 |
| Financing Profit | 258 | 245 | 444 | 580 | 737 | 981 | 1,197 | 1,440 |
| Financing Margin % | 20% | 18% | 28% | 34% | 36% | 38% | 39% | 39% |
| Other Income + | -14 | -2 | -0 | 0 | -25 | -0 | 1 | -2 |
| Depreciation | 9 | 12 | 11 | 13 | 16 | 21 | 25 | 32 |
| Profit before tax | 235 | 231 | 433 | 567 | 696 | 960 | 1,173 | 1,406 |
| Tax % | 31% | 18% | 21% | 22% | 22% | 22% | 22% | 22% |
| Net Profit + | 162 | 189 | 340 | 445 | 545 | 750 | 912 | 1,096 |
| EPS in Rs | 64.37 | 47.99 | 8.62 | 11.27 | 13.80 | 18.99 | 21.14 | 25.15 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Financials of Aadhar Housing Finance Ltd
Capital structure and asset base
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 25 | 39 | 395 | 395 | 395 | 395 | 431 | 436 |
| Reserves | 834 | 2,308 | 2,298 | 2,752 | 3,303 | 4,055 | 5,941 | 7,105 |
| Borrowing | 8,195 | 9,643 | 10,374 | 10,675 | 12,153 | 13,960 | 16,322 | 18,744 |
| Other Liabilities + | 426 | 376 | 563 | 554 | 766 | 683 | 529 | 1,114 |
| Total Liabilities | 9,480 | 12,366 | 13,630 | 14,376 | 16,618 | 19,093 | 23,224 | 27,399 |
| Fixed Assets + | 42 | 44 | 53 | 55 | 63 | 80 | 92 | 138 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 150 | 24 | 497 | 338 | 459 | 462 | 513 | 637 |
| Other Assets + | 9,289 | 12,298 | 13,080 | 13,982 | 16,095 | 18,551 | 22,618 | 26,624 |
| Total Assets | 9,480 | 12,366 | 13,630 | 14,376 | 16,618 | 19,093 | 23,224 | 27,399 |
Financials of Aadhar Housing Finance Ltd
Operating, investing and financing cash movement
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -2,554 | -1,785 | -1,202 | -907 | -1,156 | -2,550 | -3,027 | -2,808 |
| Cash from Investing Activity + | -49 | -1,495 | -480 | 823 | -477 | 723 | 160 | 309 |
| Cash from Financing Activity + | 3,356 | 3,701 | 701 | 275 | 1,463 | 1,778 | 3,389 | 2,336 |
| Net Cash Flow | 754 | 422 | -981 | 191 | -169 | -49 | 522 | -164 |
| Free Cash Flow | -2,562 | -1,788 | -1,207 | -918 | -1,166 | -2,565 | -3,041 | -2,827 |
| CFO/OP | -250% | -165% | -88% | -59% | -66% | -118% | -117% | -89% |
Financials of Aadhar Housing Finance Ltd
Working capital efficiency and return ratios
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| ROE % | 20% | 12% | 14% | 15% | 16% | 18% | 17% | 16% |