Earnings Review
Aadhar Housing Fin Q3 PAT rises on surge in interest income
This story was originally published at 18:48 IST on 30 January 2026
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--Aadhar Housing Oct-Dec consol net profit INR 2.81 bln
--Analysts saw Aadhar Housing Oct-Dec consol net profit INR 2.92 bln
--Aadhar Housing Oct-Dec consol revenue INR 9.43 bln
--Analysts saw Aadhar Housing Oct-Dec consol revenue INR 5.16 bln
--Aadhar Housing Oct-Dec consol PAT INR 2.81 bln vs INR 2.39 bln year ago
--Aadhar Housing Oct-Dec consol revenue INR 9.43 bln vs INR 7.98 bln yr ago
--Aadhar Housing Apr-Dec consol PAT INR 7.85 bln vs INR 6.67 bln year ago
--Aadhar Housing Apr-Dec consol revenue INR 26.88 bln vs INR 22.75 bln yr ago
By Durgesh Nandan
MUMBAI – Aadhar Housing Finance Ltd. reported a double-digit year-on-year rise in consolidated net profit and revenue for the December quarter. The growth in bottom line and top line was driven by a sharp rise in interest income.
The company's consolidated net profit rose more than 17% on year to INR 2.81 billion. Sequentially, it rose nearly 6%. However, it fell short of analysts' expectations of INR 2.92 billion.
Top line for the quarter rose over 18% on year to INR 9.43 billion and over 5% from the trailing quarter. Interest income rose over 18% on year to INR 8.33 billion.
Aadhar Housing's other income for the quarter increased multifold to INR 10.6 million, but was lower by 50% from INR 21.3 million in the September quarter. The company's total expenses, including finance cost, were INR 5.7 billion, up nearly 16%. The company had a one-time cost of INR 159 million on account of the new labour codes.
The company's gross non-performing assets ratio was 1.38% as on Dec. 31, against 1.36% year ago. Disbursements for the quarter were INR 23.8 billion, up 14% from INR 20.9 billion a year ago. The bank's disbursement for the nine months ended Dec. 31 rose 15% to INR 64.7 billion from INR 56.3 billion a year ago. The company's assets under management grew 20% on year to INR 287.9 billion as on Dec 31.
"Aadhar Housing Finance has maintained its strong growth trajectory in the third quarter of FY2026, reinforcing our leadership in the Low-income housing finance segment," Rishi Anand, managing director and chief executive officer, said in a press release. The Pradhan Mantri Awas Yojana continues to play a supportive role in driving demand across the low income and affordable housing segment, Anand added. The company's net worth for the quarter rose 18% on year to INR 71.9 billion.
The bank's net profit for the nine months ended Dec. 31 rose nearly 18% to INR 7.85 billion from INR 6.67 billion a year ago. The revenue for the period rose more than 18% on year to INR 26.88 billion.
The earnings were announced after market hours on Friday. Shares of Aadhar Housing Finance closed 3.6% higher at INR 491.30 on the National Stock Exchange. End
Edited by Ashish Shirke
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