AADHAR HOUSING FINANCE Results Analysis-Q4FY26

Interest Earned for Q4FY26 is Rs. 851 Crs., 17.86% growth YoY, Net Interest Income is Rs. 508 Crs., 24.63% growth YoY, Total Income is Rs. 993 Crs., 19.03% growth YoY, Pre-Provisioning Operating Profit is Rs. 408 Crs., 26.72% growth YoY, However, PBT is Rs. 398 Crs., 26.06% growth YoY, PAT is Rs. 311 Crs., 26.99% growth YoY,. For Q4FY26 Gross NPA 1.08% vs 1.05% in Q4FY25, Net NPA 0.8% vs 0.7% in Q4FY25. Return on Assets is 4.8% which was 4.4% in Q4FY25, Return on Equity is 17.1% which was 15.9% in Q4FY25 Total AUM as on 31st March, 2026 is Rs. 3,05,713 Crs. Which improved by 19.74% on YoY. Crossed INR 30,000 Cr. milestone. Disbursements: Q4 INR 3,08T Cr. (+20% YoY) and “highest ever disbursement…in a single quarter.” “Management continue with similar guidance of 20% AUM, 20% profit and 17% to 18% disbursement growth.” “next milestone…in 3 years AUM should be INR 50,000 Cr..” On QoQ basis Interest Earned has 2.22% growth, Net Interest Income has 4.66% growth, Total Income grown by 5.16%, Pre-Provisioning Operating Profit has 3.87% growth, However, PBT grown by 10.7%, PAT is grown by 10.57%.