Aadhar Housing Finance Ltd

- 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. - Liquidity at quarter end was INR 2,100 crores (~10.5% of loan asset book). - No direct guidance or plans disclosed regarding any new equity issuance or fresh debt fundraising beyond ongoing borrowings and expansions. Hence, no clear indication of imminent fundraising through new debt or equity has been provided in this call.

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.

- 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. - Low and middle-income borrower segments expected to drive demand due to improved purchasing power and subsidies. - Challenges include reducing balance transfer-out rates from 6.3% to a comfortable 5.5%-5.7%.

- 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. - Fee income expected to sustainably contribute 2% to 2.1% of revenues. - No explicit forward EPS guidance, but growth drivers and cost control imply steady earnings and operating income growth ahead.

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. - Liquidity at quarter-end stood at INR 2,100 crores (~10.5% of loan asset book), supporting further lending activity. - Branch expansion target is to reach approximately 55 branches by the end of the current year and maintain similar numbers next year, supporting growth in loan sourcing. No explicit order book or pending order figures were disclosed.