NSE AADHARHFC · BSE 544176 · Consumer Financial Services · NIFTY 500

Aadhar Housing Finance Share Price

Market open · NSE price as of Fri 25 Sep, 9:59 AM IST
₹443.10 ▼ −₹4.57 · 1.02%
Day range · 25 Sep
₹441.25Low₹450.35High
52-week range
₹425.05Low · 2 Mar 2026₹563.00High · 6 Jul 2026

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 ₹443.10 on the NSE, down 1.02% on the day. That is 21.3% below the 52-week high of ₹563.00 and 4.2% above the 52-week low of ₹425.05. The stock trades at 16.98× earnings, below the sector average of 25.66. Its market value is ₹19,378 Cr.

Price returns

1 Day▼ −1.02%
1 Week0.00%
This month▼ −4.57%
3 Months▼ −13.85%
6 Months▼ −5.22%
This year▼ −7.91%
1 Year▼ −17.25%

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. We ask our data provider for a newer price every 15 minutes while the market is open (9:15 AM–3:30 PM IST). Its quotes are not real-time — the time at the top shows how current the price is.

Moving averages — price is above 0 of 6

  1. 100-day average₹489.52 ▼ price 9.5% below
  2. 50-day average₹484.10 ▼ price 8.5% below
  3. 300-day average₹482.99 ▼ price 8.3% below
  4. 20-day average₹466.61 ▼ price 5.0% below
  5. 10-day average₹458.27 ▼ price 3.3% below
  6. 5-day average₹457.36 ▼ price 3.1% below
  7. Today's price₹443.10

Each average is the mean closing price over that many trading days; averages above the current price sit higher on the ladder.

Aadhar Housing Finance Financial Results

Revenue and net profit in ₹ crore, with the full statements underneath.

Revenue₹ crore
3,673
Net profit₹ crore · losses below zero
1,096

Year by year

Fiscal yearRevenueGrowthNet profitNet marginEPSDividend
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

Balance sheet — FY26

Owes (liabilities)Shareholders' equity
72%
28%
  • 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

Operating activities
▼ −₹2,808 Cr
Investing activities
▲ ₹309 Cr
Financing activities
▲ ₹2,336 Cr
Free cash flow
▼ −₹2,827 Cr
Net change in cash
▼ −₹164 Cr

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
₹ croreFY20FY21FY22FY23FY24FY25FY26
Total revenue1,387.671,575.331,728.272,043.232,586.813,107.633,672.58
Cost of revenue———————
Gross profit———————
Operating expenses361.08326.69399.83548.51640.36761.60915.96
Operating income1,026.591,248.641,328.441,494.721,946.452,346.032,756.62
Depreciation11.5811.1913.2516.4920.9825.2432.02
Profit before tax230.91432.51567.36695.82959.591,173.261,405.91
Tax41.5392.38122.51151.06209.95261.43310.03
Net profit189.38340.13444.85544.76749.64911.831,095.88
EPS (₹)4.447.9710.4312.7717.5820.8524.77
Dividend per share (₹)0.000.000.000.00———

Aadhar Housing Finance vs Peers

Side by side with other consumer financial services companies. The small bars compare each column.

CompanyPriceChangeMarket capP/EP/BROE (5 yr)Net marginDiv. yield
Aadhar Housing Finance This stock ₹443.10 ▼ −1.02% ₹19,378 Cr 16.98 2.56 16.45% 30.03% 0.00%
Bajaj Finance ₹995.00 ▲ +1.21% ₹6,19,483 Cr 25.01 5.76 19.79% 23.72% 0.51%
Shriram Finance ₹999.00 ▲ +0.76% ₹1,87,841 Cr 13.87 2.95 16.15% 20.94% 1.04%
Jio Financial Services ₹227.00 ▼ −0.87% ₹1,49,891 Cr 95.47 1.15 1.11% 49.84% 0.21%
Tata Capital ₹338.50 ▲ +0.62% ₹1,43,710 Cr 20.47 3.26 14.39% 15.95% 0.16%
Power Finance Corporation ₹338.70 ▼ −0.24% ₹1,11,774 Cr 5.42 1.01 20.90% 29.13% 4.58%

Peer prices and ratios as last reported by the data provider. Company names link to their own pages.

Shareholding Pattern

Who owns Aadhar Housing Finance shares, quarter by quarter (latest on top).

PromoterFIIMFOther
Jun '26
64.7%
22.8%
Mar '26
Dec '25
Sep '25
HolderSep '25Dec '25Mar '26Jun '26Change
Promoter75.32%75.19%64.90%64.66% ▼ −0.24 pts
FII6.11%6.19%6.13%5.80% ▼ −0.33 pts
MF5.14%5.29%5.53%6.70% ▲ +1.17 pts
Other13.43%13.33%23.44%22.84% ▼ −0.60 pts

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.

Aadhar Housing FinanceBenchmarkRule-of-thumb bands

Valuation The price against earnings, book value and sales

P/E (TTM)Price ÷ yearly earnings per share
16.98
▼ 34% below the sector average of 25.66
P/BPrice ÷ book value per share
2.56
P/SMarket cap ÷ last 12 months' revenue
5.10
P/CFPrice ÷ cash flow per share
16.67
PEGP/E ÷ earnings growth rate
0.70

Profitability Of every ₹100 of sales, how much is kept?

Operating marginKept after running costs
74.75%
▼ below its 5-yr average of 75.14%
Pre-tax marginKept before tax
38.54%
▲ above its 5-yr average of 36.55%
Net marginKept as profit
30.03%
▲ above its 5-yr average of 28.52%

Returns & efficiency How well does it use its money?

Return on equityProfit on shareholders' money
15.75%
▼ below its 5-yr average of 16.45%
Return on assetsProfit on everything it owns
4.33%
▲ above its 5-yr average of 3.99%
Return on investmentProfit on long-term capital
4.97%
▲ above its 5-yr average of 4.61%
Return on capital employedProfit before interest and tax on equity + debt
5.72%

Growth Is the business getting bigger?

Revenue — last 12 months
+18.0%
▲ growing
Revenue — 3 yr, a year
+21.6%
▲ growing
Revenue — 5 yr, a year
+18.5%
▲ growing
Net profit — 3 yr, a year
+26.2%
▲ growing (off the scale)
Net profit — 5 yr, a year
+26.4%
▲ growing (off the scale)
EPS — last 12 months
+19.1%
▲ growing
EPS — 3 yr, a year
+24.7%
▲ growing
EPS — 5 yr, a year
+25.4%
▲ growing (off the scale)
Book value — 5 yr, a year
+22.4%
▲ growing

Financial strength Can it pay its bills and debts?

Debt to equityBorrowings for every ₹1 of shareholders' money — a lender's loans are funded this way
2.50×
• Normal for a lender
Payout ratioShare of profit paid as dividend
0.00%
• Keeps most

Per share What each share stands for

EPS (TTM)
₹25.76
Book value
₹173.08
Cash flow
₹26.53
Dividend
₹0.00
Revenue
₹85.80

The share price is 2.56× 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

P/E excluding extraordinary items, most recent fiscal year18.03
Current Dividend Yield - Common Stock Primary Issue, LTM0.00
Price to Book - most recent fiscal year2.58
P/E Basic excluding extraordinary items - TTM19.62
P/E including extraordinary items - TTM17.34
Price to Tangible Book - most fiscal year2.60
Price to sales - most recent fiscal year5.33
Price to Cash Flow per share - trailing 12 month16.67
Peg Ratio0.70
P/E Normalized, most recent fiscal year17.01
P/E excluding extraordinary items, most recent fiscal year quarter17.34
Price to sales - trailing 12 month5.15
Net Debt, LFY1,81,385.00

Per share

Cash Flow per share - trailing 12 month26.53
Cash Flow per share - most recent fiscal year25.50
EPS including extraordinary items - trailing 12 month25.76
EPS including extraordinary items - most recent fiscal year24.77
EBITD per share - trailing 12 month66.90
Revenue/share - trailing 12 month85.80
EPS excluding extraordinary items - trailing 12 month25.76
EPS Basic excluding extraordinary items - most recent fiscal year25.31
EPS Basic excluding extraordinary items - trailing 12 month26.28
Book value per share - most recent fiscal year173.07
Revenue/share - most recent fiscal year83.02
EPS Normalized - most recent fiscal year26.25
Book value (tangible) per share - most recent fiscal year173.04
Dividends per share - trailing 12 month0.00
EPS excluding extraordinary items - most recent fiscal year24.77
Cash per share - most recent fiscal year16.40

Margins

Operating margin - trailing 12 month74.75
Operating margin - 1st historical fiscal year75.06
Operating Margin - 5 year average75.14
Net Profit Margin % - 1st historical fiscal year29.84
Net Profit Margin % - trailing 12 month30.03
Net Profit Margin - 5 year average28.52
Pretax Margin - 5 year average36.55
Pretax margin - 1st historical fiscal year38.28
Pretax margin - trailing 12 month38.54
Free Operating Cash Flow/Revenue, 5 Year Average−79.13

Growth

EPS Change %, TTM over TTM19.12
Revenue growth rate, 5 year18.45
EPS growth rate, 5 year25.44
Revenue Change % - most recent quarter 1 year ago17.03
Growth rate% - EPS, 3 year24.71
Revenue/share (5 yr growth)17.58
Tangible Book Value, Total Equity, 5 Year CAGR22.88
Capital Spending growth rate, 5 year29.64
Revenue Change %, TTM over TTM17.97
Growth rate% - Revenue, 3 year21.59
Book value per share growth rate, 5 year22.35
EPS Change % - most recent quarter 1 year ago18.44
Net Profit Margin growth rate, 5 year6.69
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR16.92
Total Debt, 5 Year CAGR12.71

Financial strength

Net Interest coverage - most recent fiscal year2.11
Free Cash Flow - most recent fiscal year−28,266.30
LT debt/equity - most recent fiscal year2.03
Payout ratio - trailing 12 month0.00
Current EV/Free Cash Flow, LFY34.01
Total debt/total equity - most recent fiscal year2.50
Net Interest coverage - trailing 12 month2.10
Payout ratio - most recent fiscal year0.00

Returns & efficiency

Return on average equity - 5 year average16.45
Net Income/employee - trailing 12 month21,01,216.00
Revenue/employee - most recent fiscal year73,35,624.00
Return on investment - most recent fiscal year4.97
Return on average assets - most recent fiscal year4.33
Receivables turnover - most recent fiscal year140.44
Revenue/employee - trailing 12 month69,98,011.00
Return on average assets - 5 year average3.99
Net Income/employee - most recent fiscal year21,88,915.00
Asset turnover - most recent fiscal year0.15
Return on average equity - most recent fiscal year15.75
Return on investment - 5 year average4.61

Price & volume

Market Cap19,377.65
52 week Low Date2 Mar 2026
Price - 1 Day % Change−1.73
Relative (S&P500) price percent change - 13 week−9.73
Avg trading volume last 10 days0.43
Price - 13 week price percent change−13.85
Price - 52 week price percent change−17.25
Avg Trading Volume Last 3 months8.34
Price - 5 Day % Change−4.83
Price % Change Month To Date−4.57
Relative (S&P500) price percent change - 04 week0.27
52 week High Date6 Jul 2026
Price - 26 week price percent change−5.22
PDATE24 Sep 2026
Price - YTD price percent change−7.91
Relative (S&P500) price percent change - 52 week−8.11
NPRICE446.70
Relative (S&P500) price percent change - 26 week−3.04
52 week Low430.15
52 week High563.00
Relative (S&P500) price percent change - Year to Date6.66

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₹19,378 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.

Stock data comes from the exchange feed via our data provider. It is not real-time and can be delayed, so check the price with your broker before you trade. This page is for information and education only. It is not investment advice, research or a recommendation to buy, sell or hold any security. Investments in the securities market are subject to market risks; read all related documents carefully before investing. See all stocks →

Frequently Asked Questions

Aadhar Housing Finance (NSE: AADHARHFC) last traded at ₹443.10 on the NSE, down 1.02% (₹4.57) on the day, as of 25 Sep 2026, 9:59 AM IST. On the BSE it was ₹443.20. The day's range was ₹441.25 – ₹450.35.

Aadhar Housing Finance's 52-week high is ₹563.00 (6 Jul 2026) and its 52-week low is ₹425.05 (2 Mar 2026). At ₹443.10 the share is 21.3% below its high and 4.2% above its low.

Aadhar Housing Finance's market capitalisation is ₹19,378 Cr (₹19,378 Cr). It is part of the NIFTY 500 index.

Aadhar Housing Finance's P/E ratio (trailing 12 months) is 16.98. The sector average is 25.66, so investors pay 34% less for each rupee of its earnings than for the average company in its sector. Its earnings per share (TTM) are ₹25.76.

Aadhar Housing Finance shares are down 17.25% over the last year, down 7.91% so far this year, down 5.22% over 6 months, down 13.85% over 3 months. Over the last year the stock did 8.11% worse than the market.

In FY26 (year to Mar 2026), Aadhar Housing Finance reported revenue of ₹3,673 Cr (up 18.18% on the year before) and a net profit of ₹1,096 Cr. Earnings per share were ₹24.77.

There is no dividend on record for Aadhar Housing Finance in the data shown on this page.

As of Jun 2026: Promoter 64.66%, FII 5.80%, MF 6.70%, Other 22.84%. Promoter holding fell by 0.24 percentage points from Mar 2026.

Aadhar Housing Finance's listed peers in Consumer Financial Services include Bajaj Finance, Shriram Finance, Jio Financial Services, Tata Capital, Power Finance Corporation. By market capitalisation it ranks #6 of 6 in this group.

No. Aadhar Housing Finance has debt — its debt-to-equity ratio is 2.50 and total debt was ₹18,853 Cr in FY26. As a lender it borrows to fund its loans, so debt is part of its business.