NSE AADHARHFC · BSE 544176 · Consumer Financial Services · NIFTY 500
Aadhar Housing Finance Share Price
Aadhar Housing Finance Overview
Where the price stands, how it has moved and how it sits against its averages.
Aadhar Housing Finance shares last traded at ₹448.80 on the NSE, up 0.02% on the day. That is 20.3% below the 52-week high of ₹563.00 and 5.6% above the 52-week low of ₹425.05. The stock trades at 19.62× earnings, below the sector average of 25.66. Its market value is ₹19,581 Cr.
Price returns
Against the market: 1 Month ▲ +0.27% · 3 Months ▼ −9.73% · 6 Months ▼ −3.04% · This year ▲ +6.66% · 1 Year ▼ −8.11%
Shading grows with the size of the move. Prices refresh every 15 minutes while the market is open (9:15 AM–3:30 PM IST); next update from Mon 28 Sep, 9:15 AM.
Moving averages — price is above 0 of 6
- 100-day average₹490.05 ▼ price 8.4% below
- 50-day average₹485.45 ▼ price 7.5% below
- 300-day average₹483.17 ▼ price 7.1% below
- 20-day average₹467.79 ▼ price 4.1% below
- 5-day average₹461.89 ▼ price 2.8% below
- 10-day average₹460.79 ▼ price 2.6% below
- Today's price₹448.80
Averages above today's price sit higher on the ladder. Price above most of its averages is usually read as an upward trend.
Aadhar Housing Finance Financial Results
Revenue and net profit in ₹ crore, with the full statements underneath.
Year by year
| Fiscal year | Revenue | Growth | Net profit | Net margin | EPS | Dividend |
|---|---|---|---|---|---|---|
| FY 2026 | ₹3,673 Cr | ▲ +18.2% | ₹1,096 Cr | 29.8% | ₹24.77 | — |
| FY 2025 | ₹3,108 Cr | ▲ +20.1% | ₹912 Cr | 29.3% | ₹20.85 | — |
| FY 2024 | ₹2,587 Cr | ▲ +26.6% | ₹750 Cr | 29.0% | ₹17.58 | — |
| FY 2023 | ₹2,043 Cr | ▲ +18.2% | ₹545 Cr | 26.7% | ₹12.77 | ₹0.00 |
| FY 2022 | ₹1,728 Cr | ▲ +9.7% | ₹445 Cr | 25.7% | ₹10.43 | ₹0.00 |
| FY 2021 | ₹1,575 Cr | ▲ +13.5% | ₹340 Cr | 21.6% | ₹7.97 | ₹0.00 |
| FY 2020 | ₹1,388 Cr | — | ₹189 Cr | 13.6% | ₹4.44 | ₹0.00 |
Quarter by quarter
| Quarter | Revenue | vs prev. qtr | Net profit | Net margin | EPS |
|---|---|---|---|---|---|
| Q1 FY27 | ₹987 Cr | ▲ +0.6% | ₹282 Cr | 28.6% | ₹6.36 |
| Q4 FY26 | ₹981 Cr | ▲ +4.5% | ₹311 Cr | 31.7% | ₹7.01 |
| Q3 FY26 | ₹939 Cr | ▲ +5.1% | ₹281 Cr | 30.0% | ₹6.36 |
| Q2 FY26 | ₹893 Cr | ▲ +5.9% | ₹266 Cr | 29.8% | ₹6.03 |
| Q1 FY26 | ₹843 Cr | ▲ +2.1% | ₹237 Cr | 28.1% | ₹5.37 |
| Q4 FY25 | ₹826 Cr | ▲ +4.1% | ₹245 Cr | 29.7% | ₹5.67 |
| Q3 FY25 | ₹794 Cr | ▲ +4.6% | ₹239 Cr | 30.2% | ₹5.42 |
| Q2 FY25 | ₹759 Cr | — | ₹228 Cr | 30.0% | ₹5.16 |
Balance sheet — FY26
- Total assets₹27,399 Cr
- Total liabilities₹19,858 Cr
- Shareholders' equity₹7,541 Cr
- Total debt₹18,853 Cr
- Cash & investments₹715 Cr
- Revenue growth, 5 yr18.45% a year
- EPS growth, 5 yr25.44% a year
- Operating margin (TTM)74.75%
- Net margin (TTM)30.03%
Cash flow — FY26
Right of the line = cash coming in, left = cash going out. Free cash flow = cash from operations minus capital spending.
Full financial statements, FY20–FY26
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total revenue | 1,387.67 | 1,575.33 | 1,728.27 | 2,043.23 | 2,586.81 | 3,107.63 | 3,672.58 |
| Cost of revenue | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — |
| Operating expenses | 361.08 | 326.69 | 399.83 | 548.51 | 640.36 | 761.60 | 915.96 |
| Operating income | 1,026.59 | 1,248.64 | 1,328.44 | 1,494.72 | 1,946.45 | 2,346.03 | 2,756.62 |
| Depreciation | 11.58 | 11.19 | 13.25 | 16.49 | 20.98 | 25.24 | 32.02 |
| Profit before tax | 230.91 | 432.51 | 567.36 | 695.82 | 959.59 | 1,173.26 | 1,405.91 |
| Tax | 41.53 | 92.38 | 122.51 | 151.06 | 209.95 | 261.43 | 310.03 |
| Net profit | 189.38 | 340.13 | 444.85 | 544.76 | 749.64 | 911.83 | 1,095.88 |
| EPS (₹) | 4.44 | 7.97 | 10.43 | 12.77 | 17.58 | 20.85 | 24.77 |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total assets | 12,366.43 | 13,630.33 | 14,375.81 | 16,617.87 | 19,093.06 | 23,223.96 | 27,398.84 |
| Current assets | — | — | — | — | — | — | — |
| Cash & short-term investments | 1,364.88 | 383.50 | 574.17 | 405.14 | 356.26 | 878.37 | 714.63 |
| Inventory | — | — | — | — | — | — | — |
| Property, plant & equipment | 43.32 | 51.86 | 54.28 | 63.03 | 78.55 | 89.32 | 135.96 |
| Total liabilities | 10,019.10 | 10,937.51 | 11,229.12 | 12,920.21 | 14,643.31 | 16,851.67 | 19,857.95 |
| Current liabilities | — | — | — | — | — | — | — |
| Total debt | 9,598.23 | 10,366.32 | 10,697.13 | 12,188.28 | 14,009.53 | 16,385.14 | 18,853.13 |
| Total equity | 2,347.33 | 2,692.82 | 3,146.69 | 3,697.66 | 4,449.75 | 6,372.29 | 7,540.89 |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| From operations | −1,784.79 | −1,202.29 | −906.75 | −1,155.69 | −2,428.84 | −3,026.65 | −2,807.88 |
| From investing | −1,495.13 | −480.48 | 822.57 | −476.53 | 601.87 | 159.53 | 308.62 |
| From financing | 3,701.45 | 701.39 | 274.85 | 1,463.19 | 1,778.09 | 3,389.23 | 2,335.52 |
| Capital expenditure | −3.42 | −5.12 | −11.81 | −10.44 | −15.44 | −14.80 | −18.75 |
| Dividends paid | — | — | — | — | — | — | — |
| Net change in cash | 421.53 | −981.38 | 190.67 | −169.03 | −48.88 | 522.11 | −163.74 |
What Analysts Say
Recommendations from 11 analysts who cover Aadhar Housing Finance.
▲ 11 bullish (100.0%) · 0 hold (0.0%) · ▼ 0 bearish (0.0%)
Votes
How the votes changed
| Rating | 3M ago | 2M ago | 1M ago | 1W ago | Now | 3-month change |
|---|---|---|---|---|---|---|
| Strong Buy | 7 | 7 | 7 | 7 | 7 | — |
| Buy | 3 | 4 | 4 | 4 | 4 | ▲ +1 |
| Hold | 0 | 0 | 0 | 0 | 0 | — |
| Sell | 0 | 0 | 0 | 0 | 0 | — |
| Strong Sell | 0 | 0 | 0 | 0 | 0 | — |
Analyst ratings are opinions, not a guarantee of returns.
Aadhar Housing Finance vs Peers
Side by side with other consumer financial services companies. The small bars compare each column.
| Company | Price | Change | Market cap | P/E | P/B | ROE (5 yr) | Net margin | Div. yield | Rating |
|---|---|---|---|---|---|---|---|---|---|
| Aadhar Housing Finance | ₹448.80 | ▲ +0.02% | ₹19,581 Cr | 19.62 | 2.58 | 16.45% | 30.03% | 0.00% | This stock |
| Bajaj Finance | ₹988.95 | ▲ +0.59% | ₹6,15,716 Cr | 25.01 | 5.76 | 19.79% | 23.72% | 0.51% | Moderately Bearish |
| Shriram Finance | ₹998.95 | ▲ +0.75% | ₹2,35,051 Cr | 13.87 | 2.95 | 16.15% | 20.94% | 1.04% | Bearish |
| Jio Financial Services | ₹227.50 | ▼ −0.66% | ₹1,50,221 Cr | 95.47 | 1.15 | 1.11% | 49.84% | 0.21% | Bearish |
| Tata Capital | ₹336.40 | ▼ −3.90% | ₹1,42,818 Cr | 20.47 | 3.26 | 14.39% | 15.95% | 0.16% | Bearish |
| Power Finance Corporation | ₹338.30 | ▼ −0.35% | ₹1,11,642 Cr | 5.42 | 1.01 | 20.90% | 29.13% | 4.58% | Bearish |
Rating = the data provider's overall technical view of each peer. Company names link to their own pages.
Aadhar Housing Finance Key Metrics
Each ratio placed against a benchmark — the sector average, the company's own 5-year average, or a common rule of thumb.
Valuation Is the price reasonable?
Profitability Of every ₹100 of sales, how much is kept?
Returns & efficiency How well does it use its money?
Growth Is the business getting bigger?
Financial strength Can it pay its bills and debts?
Per share What each share stands for
The share price is 2.59× the book value behind each share.
Benchmarks: sector averages and 5-year averages come from the data provider; the debt and liquidity bands are common rules of thumb, not investment advice.
All 95 metrics from the data provider
Valuation
Per share
Margins
Growth
Financial strength
Returns & efficiency
Price & volume
Dividends & Corporate Events
Payouts to shareholders, splits and bonus issues, and company meetings — newest first.
- Dividend yield0.00%
- Payout ratio0.00%
No dividends on record.
Corporate calendar
- MeetingPostal Ballot
- MeetingAnnual General Meeting
- BoardQuarterly Results
- BoardAudited Results
- BoardQuarterly Results
- MeetingPostal Ballot
- BoardQuarterly Results
- BoardEmployees Stock Option Plan
Show 4 older events
- BoardEmployees Stock Option Plan
- BoardQuarterly Results
- BoardAudited Results
- MeetingAnnual General Meeting
About Aadhar Housing Finance
Consumer Financial Services
Aadhar Housing Finance Limited is an India-based retail-focused housing finance company (HFC) that primarily serves the low-income housing segment. It primarily targets economically weaker and low-to-middle-income individuals seeking small-ticket mortgage loans. Most customers are first-time home buyers with limited access to formal credit. It also provides loans against property, as well as financing for property renovation, extensions, purchase of commercial properties and self-occupied residential properties. The loans offered by the Company include a home loan for salaried employees; home loan for self-employed; loan for plot purchase and construction; home improvement loan; home extension loan; loan against residential commercial property (LAP); balance transfer and top up; loan for purchase of non-residential property; home construction loan; loan for plot purchase; loan for construction of non-residential property; Aadhar Gram Unnati; PMAY 2.0, and Aadhar Green Housing.
Key people
- Rishi AnandChief Executive Officer, Managing Director, Executive Director
- Deo Shankar TripathiExecutive Vice Chairman
- Rajesh ViswanathanChief Financial Officer
- R. Anil Kumar NairChief Operating Officer
- Harshada Shashank PathakCompany Secretary, Compliance Officer
Company facts
- NSE symbolAADHARHFC
- BSE code544176
- ISININE883F01010
- IndustryConsumer Financial Services
- IndexNIFTY 500
- Market cap₹19,581 Cr
- Revenue (FY26)₹3,673 Cr
- Net profit (FY26)₹1,096 Cr
In the News
Recent headlines about Aadhar Housing Finance — they open on Mint in a new tab.
- Blackstone-backed Aadhar Housing sees no need to raise capital for four years; bets on smaller towns to sustain growth
Rishi Anand, MD & CEO, said the lender's increasing presence in talukas and district centres is expected to strengthen growth without compromising asset quality.
3 Aug 2026 · 3 min read · Mint ↗ - The Street resets its Nifty 500 bets. Here are the winners
The optimism reflects the underperformance of Indian equities relative to other emerging markets and the US, along with a moderation in valuations.
24 Jul 2026 · 3 min read · Mint ↗ - Stocks to buy for short term: PVR INOX among 3 stocks Amol Athawale of Kotak Securities recommends for next 1-2 weeks
Amol Athawale from Kotak Securities identifies three stocks for the next 1-2 weeks, including PVR INOX and Aadhar Housing Finance, with strong technical indicators and favourable market conditions.
25 Jun 2026 · 2 min read · Mint ↗ - Aadhar Housing targets 20% growth in FY27, eyes ₹50,000 crore AUM in three years
The Blackstone-backed lender said West Asia tensions have no material impact on loan book as it sees steady demand from affordable housing and state-backed projects.
6 May 2026 · 2 min read · Mint ↗ - IDBI Capital initiates coverage on Aadhar Housing Finance shares, predicts 20% upside
IDBI Capital initiates coverage on Aadhar Housing Finance shares with a constructive outlook. Check the brokerage firm's take on the stock, along with the share price trend.
1 Apr 2026 · 2 min read · Mint ↗
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