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Day High
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NSE Close — 25 Sep 2026
₹444.5
Change
-2.2 (-0.49%)
Open
₹446.55
Prev. Close
₹446.7
Day High
₹450.6
Day Low
₹441.3
Volume Analysis
Traded
440,466
Delivered
334,360
Delivery %
75.91%
End-of-day NSE price via the official Bhavcopy — updated once daily after market close, not a live tick.
Strengths, Weaknesses, Opportunities & Threats
Strengths (0)
No signal for this stock
Weaknesses (2)
- •High debt-to-equity ratio (2.49)
- •Promoter holding is falling
Opportunities (2)
- •Strong 3-year EPS growth (22.2%)
- •FII holding has been rising
Threats (0)
No signal for this stock
Rule-based signals from the fundamentals below — not investment advice.
Pivot Levels
| Type | R3 | R2 | R1 | Pivot | S1 | S2 | S3 |
|---|---|---|---|---|---|---|---|
| Classic | ₹458.94 | ₹454.77 | ₹449.64 | ₹445.47 | ₹440.34 | ₹436.17 | ₹431.04 |
| Fibonacci | ₹454.77 | ₹451.22 | ₹449.02 | ₹445.47 | ₹441.92 | ₹439.72 | ₹436.17 |
| Camarilla | ₹447.06 | ₹446.21 | ₹445.35 | ₹445.47 | ₹443.65 | ₹442.8 | ₹441.94 |
Support/resistance levels for today, calculated from the previous trading day's high/low/close.
Absolute Returns
YTD
-7.67%
1 Week
-4.62%
1 Month
-5.65%
3 Months
-13.79%
6 Months
-1.47%
1 Year
-13.16%
2Y/3Y/5Y not shown yet — price history tracking only goes back to mid-2025 so far.
Stock Vitals
Computed from the latest available annual financials.
Graham Number
₹312.88
Current price is above the Graham Number — Benjamin Graham's estimate of fair value based on earnings and book value.
Company Overview
Sector
Financial Services
Market Cap
₹19,583 Cr
P/E (TTM)
17.0
ROE
15.9%
Book Value
₹173.0
Face Value
₹10.0
Source: Screener.in (Consolidated figures) — data as of 25 Sep 2026. Not investment advice.
TopFund Analysis
Aadhar Housing Finance L lands in the middle of the pack on TopFund's composite fundamentals check within the Financial Services sector, at 62/100. The strongest factor is Growth (100/100), while Momentum (16/100) is the weakest area to weigh before deciding. Notably: High debt-to-equity ratio (2.49); promoter holding is falling. Strong 3-year EPS growth (22.2%).
TopFund Score — Fundamentals Quality
62/100 — AverageData confidence: 72/100 (Moderate Confidence) — based on how complete and how fresh the underlying data is.
As of 27 Sep 2026 · How we calculate this →
Growth
Valuation
Corporate Governance
Momentum
Institutional Ownership
Business Quality
Risk & Volatility
Liquidity
From Screener.in
- +Company has delivered good profit growth of 26.6% CAGR over last 5 years
- −Stock is trading at 2.58 times its book value
- −Though the company is reporting repeated profits, it is not paying out dividend
Not investment advice — an automated read of public fundamentals data, for research context only.
Corporate Actions
Trading window closed from 1 October 2026 until 48 hours after Q2 FY2027 results.
ICRA upgraded Aadhar Housing's NCDs, bank facilities and subordinated debt to AA+ Stable; reaffirmed CP; withdrew redeemed NCD ratings.
Shareholders approved Nikhil Goyal’s appointment as Non-Executive Nominee Director via postal ballot on September 19, 2026.
Postal ballot on September 19, 2026 approved Nikhil Goyal’s appointment as Non-Executive Nominee Director.
Aadhar Housing Finance repaid Rs.90 lakh interest and redeemed Rs.10 crore NCDs on 19-Sep-2026.
Source: BSE regulatory filings, via Screener.in.
Quarterly Results
Last several quarters
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 593 | 629 | 673 | 692 | 713 | 764 | 798 | 833 | 848 | 897 | 943 | 985 | 993 |
| Expenses + | 166 | 132 | 156 | 166 | 173 | 180 | 187 | 197 | 207 | 208 | 214 | 240 | 248 |
| Financing Profit | 192 | 258 | 266 | 264 | 263 | 299 | 314 | 321 | 309 | 348 | 382 | 401 | 368 |
| Financing Margin % | 32.0% | 41.0% | 40.0% | 38.0% | 37.0% | 39.0% | 39.0% | 39.0% | 36.0% | 39.0% | 40.0% | 41.0% | 37.0% |
| Other Income + | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 2 | -15 | 8 | 4 |
| Interest | 235 | 239 | 251 | 262 | 277 | 285 | 297 | 315 | 332 | 342 | 348 | 343 | 376 |
| Depreciation | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 7 | 7 | 7 | 11 | 9 |
| Profit before tax | 187 | 253 | 261 | 259 | 257 | 292 | 308 | 316 | 305 | 343 | 360 | 398 | 364 |
| Tax % | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% |
| Net Profit + | 146 | 197 | 204 | 202 | 200 | 228 | 239 | 245 | 237 | 266 | 281 | 311 | 282 |
| EPS in Rs | 4 | 5 | 5 | 5 | 5 | 5 | 6 | 6 | 5 | 6 | 6 | 7 | 6 |
| Raw PDF | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net NPA % | 1.1% | 0.9% | 0.97% | 0.7% | 0.9% | 0.9% | 0.95% | 0.7% | 1.0% | — | 1.01% | 0.8% | 0.9% |
| Gross NPA % | 1.46% | 1.4% | 1.4% | 1.1% | 1.31% | 1.3% | 1.36% | 1.05% | 1.34% | 1.4% | 1.38% | 1.08% | 1.31% |
Source: Screener.in — figures in ₹ Crores unless marked %.
Profit & Loss (Yearly)
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 1,266 | 1,388 | 1,575 | 1,728 | 2,043 | 2,587 | 3,109 | 3,683 | 3,817 |
| Expenses + | 276 | 350 | 316 | 387 | 507 | 619 | 736 | 868 | 910 |
| Financing Profit | 258 | 245 | 444 | 580 | 737 | 981 | 1,199 | 1,451 | 1,499 |
| Financing Margin % | 20.0% | 18.0% | 28.0% | 34.0% | 36.0% | 38.0% | 39.0% | 39.0% | 39.0% |
| Other Income + | -14 | -2 | 0 | 0 | -25 | 0 | 0 | -13 | 0 |
| Interest | 732 | 793 | 816 | 761 | 799 | 987 | 1,174 | 1,364 | 1,409 |
| Depreciation | 9 | 12 | 11 | 13 | 16 | 21 | 25 | 32 | 34 |
| Profit before tax | 235 | 231 | 433 | 567 | 696 | 960 | 1,173 | 1,406 | 1,464 |
| Tax % | 31.0% | 18.0% | 21.0% | 22.0% | 22.0% | 22.0% | 22.0% | 22.0% | — |
| Net Profit + | 162 | 189 | 340 | 445 | 545 | 750 | 912 | 1,096 | 1,141 |
| EPS in Rs | 64 | 48 | 9 | 11 | 14 | 19 | 21 | 25 | 26 |
| Dividend Payout % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
Balance Sheet
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Reserves | 834 | 2,308 | 2,298 | 2,752 | 3,303 | 4,055 | 5,941 | 7,105 |
| Other Liabilities + | 426 | 376 | 563 | 554 | 766 | 683 | 529 | 1,114 |
| Total Liabilities | 9,480 | 12,366 | 13,630 | 14,376 | 16,618 | 19,093 | 23,224 | 27,399 |
| Fixed Assets + | 42 | 44 | 53 | 55 | 63 | 80 | 92 | 138 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 150 | 24 | 497 | 338 | 459 | 462 | 513 | 637 |
| Other Assets + | 9,289 | 12,298 | 13,080 | 13,982 | 16,095 | 18,551 | 22,618 | 26,624 |
| Total Assets | 9,480 | 12,366 | 13,630 | 14,376 | 16,618 | 19,093 | 23,224 | 27,399 |
| Borrowing | 8,195 | 9,643 | 10,374 | 10,675 | 12,153 | 13,960 | 16,322 | 18,744 |
| Equity Capital | 25 | 39 | 395 | 395 | 395 | 395 | 431 | 436 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Cash Flow
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -2,554 | -1,785 | -1,202 | -907 | -1,156 | -2,550 | -3,027 | -2,808 |
| Cash from Investing Activity + | -49 | -1,495 | -480 | 823 | -477 | 723 | 160 | 309 |
| Cash from Financing Activity + | 3,356 | 3,701 | 701 | 275 | 1,463 | 1,778 | 3,389 | 2,336 |
| Net Cash Flow | 754 | 422 | -981 | 191 | -169 | -49 | 522 | -164 |
| CFO/OP | -250 | -165 | -88 | -59 | -66 | -118 | -117 | -89 |
| Free Cash Flow | -2,562 | -1,788 | -1,207 | -918 | -1,166 | -2,565 | -3,041 | -2,827 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Shareholding Pattern
Quarter-by-quarter — Promoters, FII, DII & public holding trend
| Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Public | 10.86% | 10.33% | 10.69% | 10.51% | 10.48% | 10.33% | 10.17% | 19.83% | 19.61% |
| Promoters | 76.48% | 75.89% | 75.74% | 75.61% | 75.5% | 75.32% | 75.19% | 64.9% | 64.66% |
| FII | 4.18% | 4.32% | 4.3% | 5.32% | 5.58% | 6.11% | 6.19% | 6.13% | 5.8% |
| DII | 8.5% | 9.46% | 9.27% | 8.58% | 8.43% | 8.25% | 8.45% | 9.15% | 9.92% |
Source: Screener.in — quarterly shareholding disclosures.
Peers Comparison
Financial Services — ranked by market cap
| Company | Market Cap (Cr) | P/E | P/B | ROE |
|---|---|---|---|---|
| Aadhar Housing Finance L (this stock) | 19,583 | 17.0 | 2.58 | 15.9% |
| IFCI Ltd | 20,279 | 113.0 | 2.27 | 1.97% |
| Pine Labs Limited | 20,389 | 158.0 | 3.45 | 2.46% |
| Computer Age Mngt Ser Ltd | 17,699 | 35.8 | 13.36 | 36.3% |
| Creditaccess Grameen Ltd | 21,669 | 17.9 | 2.76 | 10.5% |
| Choice International Ltd | 16,759 | 73.5 | 10.03 | 16.1% |
| Sammaan Capital Limited | 16,332 | — | 0.86 | -3.21% |
Which Mutual Funds Hold Aadhar Housing Finance L?
Frequently Asked Questions about Aadhar Housing Finance L
Aadhar Housing Finance L (AADHARHFC) closed at ₹444.5 on NSE on 25 September 2026, down 2.2 (0.49%) from the previous close.
Aadhar Housing Finance L trades on the NSE (National Stock Exchange of India) under the symbol AADHARHFC.
Aadhar Housing Finance L has a trailing twelve-month P/E (price-to-earnings) ratio of 17.0.
Aadhar Housing Finance L has a dividend yield of 0.0%.
Aadhar Housing Finance L's 52-week high is ₹563.0 and its 52-week low is ₹425.0.
Aadhar Housing Finance L has a market capitalisation of ₹19,583 crore.
Aadhar Housing Finance L has a TopFund Quality Score of 62/100 (Average), a composite of profitability, balance-sheet health, growth and valuation. This is an analytical score based on public data, not personalized investment advice — see the full breakdown below before deciding.
Community Sentiment
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