Aadhar Housing Finance Limited

BSE: AADHARHFC544176ISIN INE883F01010

Financial Services
Housing Finance Company
BSE 500

Share price

₹430.70+9.35 (+2.22%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹563.00
52W low: ₹414.15
Off 52W high: -23.50%
1M return: -5.00%
3M return: -14.76%
6M return: -13.84%
1Y return: -15.47%
20D avg volume: 24,246
50 DMA: ₹453.21
200 DMA: ₹476.68

Key ratios Consolidated

Market cap: ₹18,882 Cr
Current price: ₹430.70
52W high / low: ₹563.00 / ₹414.15
Face value: ₹10.00
P/E: 16.55
P/B: 2.49
EPS (TTM): ₹26.03
Book value / share: ₹173.08
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 2.00
Net debt: ₹14,350 Cr
Interest cover: 2.03
Dividend yield: —
Dividend / share (TTM): —
Payout: —
Cash conversion cycle: —

Financials

Metric	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24
Income statement
	992.89	984.56	942.71	897.13	848.18	832.61	797.61	764.27	713.14	691.79
	4.30	7.95	1.06	2.13	3.16	1.23	0.03	0.01	0.01	0.02
	997.19	992.51	943.77	899.26	851.34	833.84	797.64	764.28	713.15	691.81
	633.56	594.26	568.08	556.52	546.19	517.93	489.96	471.85	455.91	433.20
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	163.19	155.06	134.02	135.97	128.37	124.69	114.94	114.22	110.64	113.46
	376.39	343.33	347.50	341.62	331.94	314.71	296.87	285.18	277.01	261.88
	9.11	10.60	7.05	7.25	7.12	6.45	6.48	6.20	6.11	5.76
	53.20	75.10	61.98	58.52	52.04	65.69	52.99	52.93	43.47	56.24
	363.63	398.25	375.69	342.74	305.15	315.91	307.68	292.43	257.24	258.61
	0.00	0.00	-15.92	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	363.63	398.25	359.77	342.74	305.15	315.91	307.68	292.43	257.24	258.61
	81.27	87.33	78.56	76.27	67.87	71.07	—	—	—	—
	282.36	310.92	281.21	266.47	237.28	244.84	239.34	227.51	200.14	201.76
	6.47	7.16	6.49	6.16	5.50	5.68	5.56	5.31	4.86	5.11
Key metrics
	—	—	—	—	—	—	611.03	583.81	540.36	526.25
	—	—	—	—	—	—	76.60%	76.40%	75.80%	76.10%
	28.40%	31.60%	29.80%	29.70%	28.00%	29.40%	30.00%	29.80%	28.10%	29.20%
	17.10%	18.20%	18.20%	17.40%	18.90%	20.40%	—	—	—	—
	19.00%	27.00%	17.50%	17.10%	18.60%	21.40%	—	—	—	—

Metric	TTM	FY26	FY25	FY24
Income statement
	3,817	3,673	3,108	2,587
	15.44	14.30	1.28	0.17
	3,833	3,687	3,109	2,587
	2,352	2,265	1,936	1,627
	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00
	588.24	553.42	464.49	403.48
	1,409	1,364	1,174	986.69
	34.01	32.02	25.24	20.98
	248.80	247.64	215.08	175.01
	1,480	1,422	1,173	959.59
	-15.92	-15.92	0.00	0.00
	1,464	1,406	1,173	959.59
	323.43	310.03	261.43	—
	1,141	1,096	911.83	749.64
	26.28	25.31	21.43	18.99
Key metrics
	—	—	—	1,967
	—	—	—	76.00%
	29.89%	29.80%	29.30%	29.00%
	17.72%	18.20%	20.10%	—
	20.23%	20.20%	21.60%	—
	—	-2,827	-3,041	—
	—	-2.56	-3.32	—
	—	2.00	2.02	—
	—	14,350	11,995	—
Balance sheet
	—	27,399	23,224	—
	—	714.63	878.37	—
	—	27.02	25.28	—
	—	0.00	0.00	—
	—	34.69	31.51	—
	—	15,064	12,873	—
	—	7,541	6,372	—
Cash flow
	—	-2,808	-3,027	—
	—	308.62	159.53	—
	—	2,336	3,389	—
	—	18.75	14.80	—

Metric	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24
Income statement
	992.77	984.47	942.65	897.06	848.11	832.52	785.10	750.82	696.78	672.98
	4.31	7.88	1.07	2.13	3.17	1.23	0.01	0.01	0.02	0.02
	997.08	992.35	943.72	899.19	851.28	833.75	785.11	750.83	696.80	673.00
	633.51	594.36	567.99	556.54	545.99	517.27	477.52	458.31	439.58	414.56
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	149.73	141.39	119.18	122.28	116.92	109.11	102.59	100.84	94.64	97.40
	376.39	343.33	347.50	341.62	331.94	314.71	296.87	285.18	277.01	261.88
	9.11	10.60	7.05	7.25	7.12	6.45	6.48	6.20	6.11	5.76
	66.61	88.87	76.73	72.23	63.29	80.61	52.90	52.77	43.14	53.66
	363.57	397.99	375.73	342.65	305.29	316.48	307.59	292.52	257.22	258.44
	0.00	0.00	-15.92	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	363.57	397.99	359.81	342.65	305.29	316.48	307.59	292.52	257.22	258.44
	81.26	87.34	78.62	76.30	67.99	71.24	—	—	—	—
	282.31	310.65	281.19	266.35	237.30	245.24	239.23	227.56	200.08	201.51
	6.47	7.15	6.49	6.16	5.50	5.69	5.56	5.31	4.86	5.10
Key metrics
	—	—	—	—	—	—	610.94	583.90	540.34	526.08
	—	—	—	—	—	—	77.80%	77.80%	77.50%	78.20%
	28.40%	31.60%	29.80%	29.70%	28.00%	29.50%	30.50%	30.30%	28.70%	29.90%
	17.10%	18.30%	20.10%	19.50%	21.70%	23.70%	—	—	—	—
	19.00%	26.70%	17.50%	17.00%	18.60%	21.70%	—	—	—	—

Metric	TTM	FY26	FY25	FY24
Income statement
	3,817	3,672	3,107	2,524
	15.39	14.25	1.27	0.06
	3,832	3,687	3,109	2,524
	2,352	2,265	1,935	1,564
	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00
	532.58	499.77	407.18	345.67
	1,409	1,364	1,174	986.69
	34.01	32.02	25.24	20.98
	304.44	301.12	271.55	169.79
	1,480	1,422	1,174	959.23
	-15.92	-15.92	0.00	0.00
	1,464	1,406	1,174	959.23
	323.52	310.25	261.70	—
	1,140	1,095	912.11	748.51
	26.27	25.31	21.44	18.96
Key metrics
	—	—	—	1,967
	—	—	—	77.90%
	29.88%	29.80%	29.40%	29.70%
	18.67%	18.20%	23.10%	—
	20.14%	20.10%	21.90%	—
	—	-2,828	-3,041	—
	—	-2.56	-3.32	—
	—	2.00	2.02	—
	—	14,351	11,996	—
Balance sheet
	—	27,390	23,216	—
	—	712.99	876.82	—
	—	27.02	25.28	—
	—	0.00	0.00	—
	—	34.69	31.51	—
	—	15,064	12,873	—
	—	7,535	6,368	—
Cash flow
	—	-2,810	-3,026	—
	—	310.37	159.45	—
	—	2,336	3,389	—
	—	18.75	14.80	—

Compounded growth

Standalone

Sales CAGR 3Y: —
Sales CAGR 5Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Sales YoY (TTM): +18.67%
Profit YoY (TTM): +20.14%

Consolidated

Sales CAGR 3Y: —
Sales CAGR 5Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Sales YoY (TTM): +17.72%
Profit YoY (TTM): +20.23%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 64.51%

Quarter	September 2026	June 2026
Promoter %	64.51%	64.66%

Holder	Type	Holding	Previous	Change
BCP ASIA II HOLDCO VII PTE. LTD.	Promoter	64.51%	64.66%	-0.15%
AXDI LDII SPV 1 LTD	Public	10.07%	10.09%	-0.02%
HDFC SMALL CAP FUND	Public	2.74%	2.31%	+0.43%
WHITEOAK CAPITAL FLEXI CAP FUND	Public	1.47%	1.28%	+0.19%
ICICI BANK LTD	Public	1.06%	1.06%	0.00%
DSP SMALL CAP FUND	Public	1.02%	—	—
Blackstone Capital Partners Asia II L.P.	Promoter Group	0.00%	0.00%	0.00%
Blackstone Capital Partners (CYM) IX AIV - F L.P	Promoter Group	0.00%	0.00%	0.00%

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
Bajaj Housing Finance Limited S	67,800	81.37	24.16	—	+17.18% TTM	+18.86% TTM	-25.76%
Lic Housing Finance Ltd.	28,603	520.00	4.85	—	-0.37% TTM	+6.78% TTM	-9.38%
PNB Housing Finance Limited	28,193	1,081.00	12.00	—	+10.03% TTM	+9.37% TTM	+16.06%
Aadhar Housing Finance Limited	18,882	430.70	16.55	—	+17.72% TTM	+20.23% TTM	-15.47%
Sammaan Capital Limited	14,641	126.05	-2.03	—	-17.09% TTM	-301.99% TTM	-32.27%
Home First Finance Company India Limited S	11,304	1,081.00	18.24	—	+19.25% TTM	+36.85% TTM	-9.60%
Aptus Value Housing Finance India Limited	10,335	206.35	10.50	—	+19.37% TTM	+21.60% TTM	-30.02%
Can Fin Homes Ltd. S	9,651	724.80	8.37	—	+7.87% TTM	+25.13% TTM	-15.86%
AAVAS Financiers Limited	8,924	1,125.40	18.19	—	+25.43% TTM	+14.21% TTM	-31.41%
India Shelter Finance Corporation Limited	7,018	642.50	13.94	—	+31.12% TTM	+33.15% TTM	-27.57%
Repco Home Finance Limited	2,053	328.10	4.26	—	+6.22% TTM	+3.84% TTM	-27.01%
GIC Housing Finance Ltd.	676	125.60	4.29	—	+1.24% TTM	+22.22% TTM	-27.25%
SRG Housing Finance Limited S	159	100.95	4.64	—	+31.34% TTM	+35.05% TTM	-65.50%
Reliance Home Finance Limited S	67	1.38	2.89	-84.90%	-64.52% TTM	+778.93% TTM	-59.05%
Ind Bank Housing Ltd S	49	48.55	12.40	—	+1,267.86% TTM	+1,729.17% TTM	+27.60%
India Home Loan Limited S	42	29.49	282.66	—	-11.09% TTM	-12.50% TTM	-19.09%
STAR HOUSING FINANCE LIMITED S	32	4.06	4.82	—	+23.80% TTM	-38.86% TTM	-75.36%
Sahara HousingFina Corporation Ltd. S	26	36.61	86.20	—	-12.62% TTM	-51.61% TTM	-31.35%
Manraj Housing Finance Ltd. S	17	34.00	-94.44	-2.50%	—	+63.04% TTM	—
Hindustan Housing Co. Ltd. S	0	—	0.04	4.40%	+12.13% TTM	-7.76% TTM	—

Filings & corporate actions

Recent announcements

Change in Corporate Office address of Registrar and Share Transfer Agent3 Nov 2026 · Company Update / General
Intimation about interest payment on Non-Convertible Debentures of the Company3 Nov 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Intimation of Schedule of Analyst / Investor Meeting.2 Nov 2026 · Company Update / Analyst / Investor Meet
Advance Intimation of Schedule of Analysts / Investor Call to discuss the Unaudited Financial Results of the Company for the quarter and half year ended September 30, 2026.28 Oct 2026 · Company Update / Analyst / Investor Meet
Aadhar Housing Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 05/11/2026 ,inter alia, to consider and approve the Standalone and Consolidated ....28 Oct 2026 · Board Meeting / Board Meeting
Intimation about interest payment on Non-Convertible Debentures of the Company28 Oct 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Intimation under Regulation 30 of SEBI (LODR) Regulations, 2015- Change in Board composition of the Company21 Oct 2026 · Company Update / Change in Management
Intimation about interest payment on Non-Convertible Debentures of the Company21 Oct 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Intimation about interest and principal payment on Non-Convertible Debentures of the Company17 Oct 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Intimation of sad demise of Mr. Raj Vikash Verma, Independent Director and Non- Executive Chairperson of Aadhar Housing Finance Limited.16 Oct 2026 · Company Update / Change in Management
Asset Liability Management Statements as on September 30, 20269 Oct 2026 · Others / Asset Liability Management (ALM) statement
Intimation about interest and principle payment on Non-Convertible Debentures of the Company9 Oct 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Half-yearly report of Non-Convertible Debentures of the Company for the half year ended September 30, 20268 Oct 2026 · Others / Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017)
Submission of Compliance Certificate under Reg 74(5) of SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended September 30, 2026.7 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
CEO/CFO Certificate for the quarter ended September 30, 2026 regarding utilisation of proceeds from Commercial Paper5 Oct 2026 · Others / Certificate from CEO/CFO
Intimation about interest payment on Non-Convertible Debentures of the Company1 Oct 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Intimation about interest payment on Non-Convertible Debentures of the Company29 Sep 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Intimation about interest payment on Non-Convertible Debentures of the Company28 Sep 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Please note that the trading window of the Company will be closed from 01st October, 2026 till 48 hours after the publication of financial results for the quarter ended 30th September, ....24 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
Intimation about change in credit rating of the Company22 Sep 2026 · Company Update / Credit Rating
Appointment of Mr. Nikhil Goyal as Non-Executive (Nominee) Director of the Company21 Sep 2026 · Company Update / Change in Management
Postal Ballot Outcome with Scrutinizer''s Report21 Sep 2026 · AGM/EGM / Postal Ballot
Intimation about interest and principle payment on Non-Convertible Debentures of the Company19 Sep 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
ESG Rating18 Sep 2026 · Company Update / General
Intimation for allotment of equity shares pursuant to exercise of ESOPs.17 Sep 2026 · Company Update / Allotment of ESOP / ESPS
Cancellation of participation in the Investor meeting16 Sep 2026 · Company Update / General
Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulation, 2015 - Intimation of Schedule of Investor Meeting.15 Sep 2026 · Company Update / Analyst / Investor Meet
ESG Rating3 Sep 2026 · Company Update / General
Intimation about interest payment on Non-Convertible Debentures of the Company1 Sep 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Intimation about change in credit rating of the Company28 Aug 2026 · Company Update / Credit Rating
Intimation about interest payment on Non-Convertible Debentures of the Company28 Aug 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Intimation about interest payment on Non-Convertible Debentures of the Company27 Aug 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Intimation for allotment of equity shares pursuant to exercise of ESOPs26 Aug 2026 · Company Update / Allotment of ESOP / ESPS
Newspaper Advertisement regarding dispatch of the Postal Ballot Notice21 Aug 2026 · Company Update / Newspaper Publication
Please find enclosed herewith Notice of Postal Ballot for seeking approval of members of the Company for the appointment of Mr. Nikhil Goyal as Non-Executive (Nominee) Director of the Company.20 Aug 2026 · AGM/EGM / Postal Ballot
Intimation of Schedule of Investor Meeting20 Aug 2026 · Company Update / Analyst / Investor Meet
Intimation about interest and principle payment on Non-Convertible Debentures of the Company17 Aug 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Intimation for allotment of equity shares pursuant to exercise of ESOPs14 Aug 2026 · Company Update / Allotment of ESOP / ESPS
Intimation for appointment of Additional Director12 Aug 2026 · Company Update / Change in Management
ESG Rating11 Aug 2026 · Company Update / General

Board meetings

5 Nov 2026 Board Meeting - Financial Results
31 Jul 2026 Board Meeting - Financial Results