Aadhar Housing Finance FY25 PAT Up 22% to ₹912 Crore

Aadhar Housing Finance Ltd announced its audited financial results for the quarter and year ended 31st March 2025.

Key Performance Highlights:

*Note: - After IPO primary portion of Rs. 1000 Cr (Gross)

PERFORMANCE HIGHLIGHTS – Q4 & FY25

• Assets under management (AUM) grew by 21% to Rs. 25,531 crore as of 31st March 2025 from Rs. 21,121 crore as of 31st March 2024
• Total number of loan accounts as of 31st March 2025 reached 2,99,000+
• Profit after tax increased by 22% in FY25 to Rs. 912 crore from Rs. 750 crore in FY24
• Net worth stood at Rs. 6,372 Crore as of 31st March 2025 and is inclusive of IPO proceeds from primary infusion Rs. 1,000 Crore (Gross)
• Return on assets (ROA) for FY25 stood at 4.3%, as against 4.2% for FY24
• Return on equity (ROE) for FY25 stood at 16.9%, as against 18.4% for FY24 (Impacted on account of IPO proceeds)
• Gross NPA as of 31st March 2025 stood at 1.05%, as against 1.08% as on 31st March 2024 - Improved by 3 Bps

Commenting on the FY25 performance, Mr. Rishi Anand, MD & CEO of Aadhar Housing Finance Ltd said:

We have ended this financial year on a strong note, consistently delivering solid performance in every quarter while maintaining our leadership position in the Low-Income housing finance sector. We have reached an AUM of INR 25,531 Cr, a significant jump of 21% YoY. Disbursements stood strong at INR 8,192 Cr, a growth of 16% YoY indicating that the demand for Low Income Housing Finance in the country is stronger than ever. PAT for the FY 25 stood at Rs. 912 Cr, a significant growth of 22% over FY 24.

This industry has witnessed significant growth over the past year, driven by increased government support and rising demand. We remain confident that Low Income housing will continue to be a key pillar of India’s housing finance landscape, with the sector well-positioned for further expansion. We have expanded our reach across 21 states and 545 districts catering to more than 2,99,000+ customers across India. We have opened 57 new branches in this year, taking the total number of branches to 580.

Another milestone we have achieved this quarter is our entry into the Northeast with its first branch in Guwahati marking a pivotal step in our mission to make homeownership accessible to underserved communities. Guwahati, with its growing economy and vibrant community, is a key market for us, and we are excited to be part of its growth story. In alignment with the Government’s vision of Housing for All, we are committed to making low-income housing accessible to more families in the region. This new branch will bring us closer to our customers in the underserved Northeastern states.

We are confident that Aadhar Housing Finance is well-equipped to continue its growth trajectory, supported by a strong operational foundation, an expanding presence, and a robust technology infrastructure. As we look ahead, we remain focused on creating value for our stakeholders, deepening our impact in underserved communities, driving sustainable growth, and enabling more families across India to achieve the dream of homeownership.