Aadhar Housing Finance is charting an aggressive growth path, aiming to cross the major milestone of ₹50,000 crore in Assets Under Management (AUM) by FY29. The company, which primarily caters to low-income segment homebuyers, closed FY26 with an impressive AUM of ₹30,571 crore. To achieve this new target over the next three financial years, the mortgage firm expects to sustain a steady loan growth rate of 18 to 20 percent.
Speaking on the expansion, Rishi Anand, MD and CEO of Aadhar Housing Finance, highlighted that the affordable housing sector continues to benefit from strong structural drivers. These include favorable demographics, increasing formalization in the economy, and robust government policy backends like the Pradhan Mantri Awas Yojana (PMAY). Alongside AUM growth, the company expects to maintain a healthy net profit run rate of 20 to 22 percent. Notably, the firm closed its previous financial year with a 22 percent rise in net profit, reaching ₹1,108 crore, while maintaining a stable asset quality with a gross NPA of 1.08 percent and a strong capital adequacy ratio of 42 percent.
Risk mitigation remains central to the company’s expansion strategy. Aadhar Housing Finance ensures deep geographical diversification, keeping its total exposure—across AUM, disbursement, and distribution—under 15 percent in any single state. As of March 2026, the financier operates a vast pan-India network of 626 branches spanning 552 districts, serving approximately 3.40 lakh live accounts. Moving forward into the current financial year, the company plans to blend technology-driven productivity with physical expansion by adding 40 to 45 new branches to its national footprint.
