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Aadhar Housing Finance Ltd

Aadhar Housing Finance Ltd

AADHARHFC Share Price

NSE
₹444.500.49% (-2.20)
High
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1D
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1M
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With a market cap of ₹19,583 cr, stock is ranked 391

Stock is 1.99x as volatile as Nifty

AADHARHFC Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Avg

The stock has a moderate number of red flags

How to use scorecard? Learn more

With a market cap of ₹19,583 cr, stock is ranked 391

Stock is 1.99x as volatile as Nifty

AADHARHFC Performance & Key Metrics

AADHARHFC Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
17.162.60—
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
15.622.021.30%

AADHARHFC Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
100%
Analysts have suggested that investors can buy this stock

from 13 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

AADHARHFC Company Profile

Aadhar Housing Finance is an India-based housing finance company (HFC) focused on the low-income housing segment in India.

Investor Presentation

View older View older 

Jun 9, 2026

PDF
View Older Presentations

AADHARHFC Similar Stocks (Peers)

Compare with peers Compare with peers 

AADHARHFC Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
32.13
32.13
1Y Return
1.57%
1.57%
Buy Reco %
81.25
81.25
PE Ratio
23.24
23.24
1Y Return
62.25%
62.25%
Buy Reco %
87.50
87.50
PE Ratio
96.11
96.11
1Y Return
24.73%
24.73%
Buy Reco %
100.00
100.00
PE Ratio
27.46
27.46
1Y Return
4.39%
4.39%
Buy Reco %
84.38
84.38
PE Ratio
29.26
29.26
1Y Return
2.62%
2.62%
Buy Reco %
85.71
85.71
Compare with Peers

AADHARHFC Sentiment Analysis

AADHARHFC Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

AADHARHFC Stock Summary · August 2026

Management presented the quarter as one of disciplined growth, steady credit quality, and continued balance-sheet strength, while also signaling that reported disbursement momentum was temporarily distorted by a change in recognition timing. AUM rose to INR31,364 crore, up 18% year on year, and the company said it was building on the prior INR30,000 crore milestone through calibrated expansion rather than aggressive risk-taking. Reported Q1 disbursements were INR2,036 crore, but on a like-for-like basis they were INR2,359 crore, up 19%, and management said the shortfall should largely reverse in Q2. Spreads remained resilient at 5.8% with exit portfolio yield at 13.5%, and the company said it expects spreads to stay above 5.5% even after the February reduction in lending rates. Asset quality stayed strong, with gross NPA at 1.31% and collection efficiency at 99%. Management reaffirmed medium-term targets of 20% AUM and profit growth, kept full-year disbursement growth guidance at 17% to 18%, and said it expects growth above 20% over the next three quarters.

AADHARHFC Stock Growth Drivers
AADHARHFC Stock Growth Drivers
8
  • Strong Growth Momentum and Confident Outlook

    The company delivered a solid start to FY27 with AUM reaching INR31,364 crore, up 18%

  • Governance and Transparency Enhancement Through Accounting Change

    The transition to cheque clearance-based disbursement recognition was presented as a positive operating improvement that

AADHARHFC Stock Challenges
AADHARHFC Stock Challenges
2
  • External Macroeconomic and Weather-Related Stress Risks

    The company remains exposed to macro and seasonal risks outside its control, with management highlighting

  • Capital Retention and No Near-Term Shareholder Returns

    Management does not currently plan to return excess capital to shareholders, stating that capital must

end marker

AADHARHFC Forecast

AADHARHFC Forecasts

Price

Revenue

Earnings

AADHARHFC

AADHARHFC

Income

Balance Sheet

Cash Flow

AADHARHFC Income Statement

AADHARHFC Income Statement

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Quartermar 2024jun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026
Total Revenue691.82713.15764.28797.64833.84851.34899.26943.77992.51997.19
Operating & Other expensessubtract427.45449.80465.65483.48511.48539.07549.27576.95583.66624.45
Depreciation/Amortizationsubtract5.766.116.206.486.457.127.257.0510.609.11
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract56.8557.1064.9268.3471.0767.8776.2778.5687.3381.27
EPS5.114.865.315.565.685.506.166.497.166.47

AADHARHFC Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2026FY 2026

Annual report

PDF

Investor Presentation

Jun 9PDF
May 5PDF
Jan 30PDF
+2 more
FY 2025FY 2025

Annual report

PDF

Investor Presentation

May 6PDF
Feb 6PDF
Nov 6PDF
FY 2024FY 2024

Annual report

PDF
 

AADHARHFC Stock Peers

AADHARHFC Past Performance & Peer Comparison

AADHARHFC Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Aadhar Housing Finance Ltd17.872.60—
Bajaj Finance Ltd32.135.220.61%
Shriram Finance Limited23.243.530.87%
Jio Financial Services Limited96.111.120.25%

AADHARHFC Stock Price Comparison

Compare AADHARHFC with any stock or ETF
Compare AADHARHFC with any stock or ETF
AADHARHFC
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AADHARHFC Holdings

AADHARHFC Shareholdings

AADHARHFC Promoter Holdings Trend

AADHARHFC Promoter Holdings Trend

Decreased Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has decreased by 10.53%

High Pledged Promoter Holding
Lower pledged promoter holdings is considered better

A significant proportion of promoter holdings is pledged

AADHARHFC Institutional Holdings Trend

AADHARHFC Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

AADHARHFC Shareholding Pattern

AADHARHFC Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding64.66%6.70%3.23%5.79%19.61%

Sep 2025

Dec 2025

Mar 2026

Jun 2026

AADHARHFC Shareholding History

AADHARHFC Shareholding History

MarJunSepDec '25MarJun5.32%5.58%6.10%6.18%6.13%5.79%

Mutual Funds Invested in AADHARHFC

Mutual Funds Invested in AADHARHFC

No mutual funds holding trends are available

Top 5 Mutual Funds holding Aadhar Housing Finance Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
1.3493%0.63%-0.09%58/87 (-1)
0.8366%0.79%0.03%79/134 (+1)
0.7447%0.71%-0.10%65/79 (-6)

Compare 3-month MF holding change on Screener

AADHARHFC Insider Trades & Bulk Stock Deals

AADHARHFC Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing AADHARHFC stock

smallcases containing AADHARHFC stock

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have Aadhar Housing Finance Ltd

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Banking Privately Theme

Banking Privately Theme

Created by Windmill Capital

AADHARHFC's Wtg.
8.30%
8.30%
CAGR
6.74%

AADHARHFC Events

AADHARHFC Events

AADHARHFC Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

AADHARHFC has not given any dividends in last 5 years

Dividends

Corp. Actions

Announcements

Legal Orders

AADHARHFC Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

AADHARHFC has not given any dividends in last 5 years

AADHARHFC Dividends

AADHARHFC Dividends

Hmm, looks like data is unavailable here. Please come back after some time

AADHARHFC Stock News & Opinions

AADHARHFC Stock News & Opinions

Corporate
Corporate
Aadhar Housing Finance Ltd. will restrict trading for insiders following SEBI regulations

Aadhar Housing Finance Ltd. will close its trading window for designated persons from October 1, 2026, until 48 hours after the publication of financial results for the quarter ended September 30, 2026, in compliance with the Securities Exchange Board of India (Prohibition of Insider Trading) Regulations, 2015; the date for the board meeting to approve the financial results will be announced later.

3 days agoCapital Market - Live
Spotlight
Spotlight
ICRA upgraded Aadhar Housing Finance’s debt facilities, including NCDs totaling 2,231.63, to ICRA AA+ Stable

Aadhar Housing Finance Ltd. announced rating actions across multiple instruments and debt facilities, primarily driven by ICRA Limited, which upgraded its ratings for Non-Convertible Debentures totaling 2,231.63, Long term bank facilities amounting to 1,350.00, and Subordinated debt of 60.00, all to ICRA AA+ Stable, revising the outlook from Positive; Commercial Paper of 600.00 was reaffirmed at ICRA A1+; ICRA also withdrew ratings for Non-convertible Debentures (NCDs) totaling 504.40, and reaffirmed ratings for SEBI NCDs of 100.00, MCA Subordinated debt of 60.00, and reaffirmed a Programme with a revised Stable outlook; further rating actions were taken on various NCD programmes, Subordinated debt instruments, Commercial Paper (CP) of 600.00, and Bank Limits including a Punjab National Bank limit of 347.37, an Axis Bank Limited Bank Guarantee of 254.75, and Unallocated Limits of 747.88, all assigned ratings of [ICRA]AA+(Stable), while NCDs of 500.00 and SEBI NCDs of 4.40 were upgraded and outlook revised to Stable and subsequently withdrawn.

5 days agoCapital Market - Live
Corporate
Corporate
Aadhar Housing Finance appoints Nikhil Goyal as Non-Executive Director following member approval

Aadhar Housing Finance Limited announced that members of the company approved the appointment of Mr. Nikhil Goyal (DIN: 09170911) as a Non-Executive (Nominee) Director, liable to retire by rotation, following a Postal Ballot concluded on September 19, 2026, and his initial appointment as an Additional Director on August 12, 2026. Mr. Goyal is currently Managing Director within the private equity business group of Blackstone Advisors India Private Limited.

6 days agoCapital Market - Live
Corporate
Corporate
Aadhar Housing Finance repaid Rs 10 crore principal and Rs 9 million interest on debentures

Aadhar Housing Finance Limited confirmed the timely repayment of principal and interest on its non-convertible debentures, including an interest payment of Rs 90,00,000 and a redemption of Rs 10,00,00,000, both occurring on September 19, 2026, as per Regulation 57 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

1 week agoCapital Market - Live
Corporate
Corporate
Aadhar Housing Finance Limited’s stock option exercise boosts equity capital to Rs 4,38,39,31,570

Aadhar Housing Finance Limited announced the allotment of 1,86,440 equity shares of Rs 10 each on September 17, 2026, to eligible option holders who exercised stock options under the Aadhar Housing Finance Limited – Employee Stock Option Plan 2020, increasing the company's paid-up equity share capital to Rs 4,38,39,31,570.

1 week agoCapital Market - Live
Corporate
Corporate
Aadhar Housing Finance paid Rs 6,96,963 in interest on its NCDs, per a BSE filing

Aadhar Housing Finance Limited confirmed timely payment of interest on its Non-Convertible Debentures (NCDs IPO Series) with ISIN INE538L07528, totaling Rs 6,96,963 after deducting tax, on September 1, 2026, according to a filing with the BSE Limited.

3 weeks agoCapital Market - Live
Spotlight
Spotlight
Aadhar Housing Finance sees rating upgrades from India Ratings across multiple debt instruments

Aadhar Housing Finance Ltd. has announced credit rating actions and assignments across various instruments from multiple agencies, including India Ratings and Research Private Limited and India Ratings. India Ratings and Research Private Limited upgraded the rating on its Non-Convertible Debentures to IND AA+ with a Stable outlook, previously rated IND AA+ with a Positive outlook, and reduced the rated amount from 10,000 to 7,250, while also upgrading its Bank Loan Facilities to IND AA+ with a Stable outlook, previously IND AA+ with a Positive outlook, and reaffirmed Bank Loan Facilities at IND AAA, assigned a rating of IND A1+ to Commercial Paper for 100 crore, and reaffirmed Term Loans at IND AA+/Stable. Additionally, BWR Long Term has revised the rating on Tier II Bonds amounting to 1000, and India Ratings has withdrawn the rating on Non-Convertible Debentures with ISIN INE883F07306, while also assigning ratings to several Term Loans and Bank Loan (Unutilised) facilities, all at IND AA+/Stable, and assigning a rating to Commercial Paper.

4 weeks agoCapital Market - Live
Corporate
Corporate
Aadhar Housing Finance paid Rs 46,55,096 interest on its privately placed debentures

Aadhar Housing Finance Limited confirmed timely payment of interest amounting to Rs 46,55,096 on its Non-Convertible Debentures with ISIN INE883F07348, issued on a private placement basis and listed, with a total issue size of Rs 145,00,00,000, according to a filing with the BSE Limited on August 28, 2026.

4 weeks agoCapital Market - Live
Corporate
Corporate
Aadhar Housing Finance paid Rs 29.67 crore interest on its non-convertible debentures

Aadhar Housing Finance Limited confirmed timely payment of interest amounting to Rs 29,66,84,932 on its non-convertible debentures with ISIN INE883F07363, issued on a private placement basis and listed, according to a filing with the BSE Limited on August 27, 2026.

1 month agoCapital Market - Live
Corporate
Corporate
Aadhar Housing Finance Limited’s stock option exercise boosts equity capital to Rs 4,38,20,67,170

Aadhar Housing Finance Limited announced the allotment of 4,69,259 equity shares of Rs 10 each on August 26, 2026, to eligible option holders who exercised stock options under the Aadhar Housing Finance Limited – Employee Stock Option Plan 2020, increasing the company's paid-up equity share capital to Rs 4,38,20,67,170.

1 month agoCapital Market - Live

Frequently asked questions

  1. The share price of AADHARHFC as on 25th September 2026 is ₹444.50. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. The past returns of Aadhar Housing Finance Ltd (AADHARHFC) share are
    • Past 1 week: -4.83%
    • Past 1 month: -4.71%
    • Past 3 months: -14.27%
    • Past 6 months: -5.69%
    • Past 1 year: -15.62%
    • Past 3 years: N/A%
    • Past 5 years: 34.92%

  3. Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Aadhar Housing Finance Ltd (AADHARHFC) is ₹19583.02 Cr as of 25th September 2026.

  4. The 52-week high of Aadhar Housing Finance Ltd (AADHARHFC) is ₹563 and the 52-week low is ₹430.15.

  5. The P/E (price-to-earnings) ratio of Aadhar Housing Finance Ltd (AADHARHFC) is 17.87. The P/B (price-to-book) ratio is 2.60.

  6. Aadhar Housing Finance Ltd (AADHARHFC) belongs to the Financials sector & Consumer Finance sub-sector.

  7. You can directly buy Aadhar Housing Finance Ltd (AADHARHFC) shares on Tickertape. Simply sign up, connect your demat account and place your order.