Aadhar Housing Finance Ltd. Share Price

Aadhar Housing Finance Ltd Company Analysis

Aadhar Housing Finance is a specialised housing finance company focused on providing home loans to economically weaker and lower-income households, particularly in semi-urban and rural markets. Its products include home purchase, construction, improvement and non-housing loans. The company operates through a pan-India network of 628 branches across 22 states, with a largely secured retail lending portfolio. Its focus on affordable housing, supported by rising formalisation and housing demand, provides a long-term growth opportunity. FY26 was strong, with assets under management (AUM) increasing 19.7% to ₹30,571 crore, total income reaching ₹3,687 crore and net profit rising 20.1% to ₹1,095 crore. Q1 FY27 continued this momentum: AUM grew 18% YoY to ₹31,364 crore, revenue from operations increased 17.1% to ₹993 crore, and net profit rose 19% to approximately ₹282 crore. Return on assets stood at around 4%, while the net interest spread was 5.8%. Asset quality remained healthy, with gross non-performing assets at approximately 1.32% and capital adequacy at 43.39%, providing a strong buffer against potential credit losses. At the latest available market data, the stock was trading around ₹436–447, implying a market capitalisation of roughly ₹19,000 crore and a valuation of approximately 17–18 times FY26 earnings. Key growth drivers include affordable-housing demand, expansion into underserved locations, rising loan disbursements and operating efficiencies from digital initiatives. However, risks include rising borrowing costs, competition, borrower credit stress and the possibility of asset-quality deterioration during an economic slowdown. Overall, Aadhar Housing Finance combines healthy loan-book growth, strong capitalisation and consistent profitability. Sustaining margins while maintaining disciplined underwriting and low credit costs will be crucial to its long-term performance.

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Aadhar Housing Finance Limited- Technical Analysis Report

Aadhar Housing Finance is currently showing a corrective structure, with price moving within a falling wedge pattern. The stock has recently bounced from the lower support zone, indicating some renewed buying interest. The immediate support zone is around ₹442–₹448, while the next important support is near ₹427. Holding these levels could help the stock maintain its recent recovery attempt. On the upside, ₹457–₹470 is an important resistance zone. A sustained breakout above ₹470, preferably supported by volume, may improve the short-term structure and open the possibility of further moves towards ₹488, ₹503 and ₹518. Momentum remains relatively subdued, but the recent price action suggests early signs of stabilisation. Traders should closely monitor the reaction at key support and resistance levels and look for confirmation through price action and volume. AALGO BREATHS For educational and informational purposes only. Not investment advice.

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Aadhar Housing Finance Historical Data Analysis

What data and chart speaks on Aadhar Housing Finance is that the stock is showing an interesting combination of positive historical seasonality and relatively weak short-term momentum. Looking at the historical monthly movement from the dashboard, September stands out with a predicted movement of around 12.0%. July is also strong at 10.3% while April is around 9.4% and March around 8.0%. The segment-wise data is also showing a 12.0% predicted movement for September under the Mid Cap category. This indicates a positive historical/model-based trend, although it should not be considered a guaranteed future movement. The YoY return trend has moderated from 5.7% in FY25–26 to around 4.0% in FY26–27, which indicates some reduction in the return trend. From the RSI perspective, Monthly RSI is around 63, while Weekly RSI is around 43 and Daily RSI is around 46. This shows that long-term momentum remains comparatively stronger, while short- and medium-term momentum is still relatively weak. The observation is that Aadhar Housing Finance has a stronger long-term momentum structure, but the short-term trend needs confirmation. Key Observations: September Historical Prediction: 12.0% Monthly RSI: 63 Weekly RSI: 43 Daily RSI: 46 FY25–26 YoY Return: 5.7% FY26–27 YoY Return: 4.0% The key trigger I would watch is improvement in daily and weekly momentum along with positive price action while the monthly RSI continues to sustain above the 60 zone. Disclaimer: This article is for informational purposes only and should not be construed as investment advice or a recommendation to buy or sell any security. Market investments are subject to risk.

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Bets on Small-Town Expansion for 20% Growth

Supported by a solid capital adequacy ratio exceeding 40%, Blackstone-backed

has sufficient funds to fuel its planned annual loan growth of 20–22% and branch network expansion without needing to raise new capital for at least the next four years. Expanding Footprint in Smaller Markets: To sustain growth and capture higher risk-adjusted spreads, the housing finance firm plans to open roughly 50 new branches during FY27 to extend its current 628-branch network. About 70% of these new locations will focus on emerging markets like talukas and district centers, with key focus states including Gujarat. Stable Asset Quality and Balanced Portfolio: Despite a seasonal uptick in the gross non-performing asset (GNPA) ratio to 1.31% in Q1, management expects it to stabilize around 1.08–1.10% by year-end. The lender maintains a retail-focused portfolio—split roughly 70:30 between primary home loans and loans against property (LAP)—backed by highly stable cheque bounce rates. Underestimated Affordable Housing Demand: Management highlights that traditional real estate research fails to capture true affordable housing demand because it ignores self-construction, secondary market transactions, and LAP segments, which form a major share of lower-income household borrowing. Government Support and Structural Challenges: While the PMAY 2.0 interest subsidy scheme is well-designed and beneficial for tier-II and tier-III borrowers, the key obstacle in affordable housing remains rising land costs and supply shortages. Addressing this requires continued government intervention via subsidized land and public-private partnerships.

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Close crossing last Month High Strategy

Close crossing last Month High Strategy

is trading near its previous month high. • This strategy focuses on stocks that close above the previous month’s high, which often signals fresh momentum and strong buying interest. • A decisive close above this level indicates that the stock is breaking a key resistance zone,potentially starting a new upward trend. • Traders usually look for strong volume, market support, and the stock trading above important moving averages to confirm the breakout strength. • For risk management, many traders place a stop loss slightly below the breakout level while aiming to capture short to medium-term momentum moves. Disclaimer: Investments in the securities market are subject to market risks, read all the related documents carefully before investing

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