Aadhar Housing Finance Limited (AADHARHFC) Q1 Results FY27 Preview: Date, Time, Expectations & Key Things To Watch

CompoundingAI Research Updated July 26, 2026 3 min read

Aadhar Housing Finance enters its Q1 FY27 results as a key player in the affordable housing segment, navigating a period where system-wide housing credit growth has moderated to 10.9% YoY. Investors will be watching how the company balances its AUM growth trajectory against stable borrowing costs and a neutral interest rate environment.

Quick Details

Results date	July 31, 2026
Quarter	Q1 FY 2026-2027
Previous quarter revenue	Rs. 984.6 Cr
Previous quarter PAT	Rs. 310.9 Cr
Market cap	Rs. 21,648.19 Cr
CMP	Rs. 495.0

Aadhar Housing Finance Limited Q1 Results Date and Time

The company has scheduled a board meeting for July 31, 2026, to consider and approve the audited financial results for the quarter ended June 30, 2026.

What to expect from Aadhar Housing Finance Limited's Q1 FY27 results

Aadhar Housing Finance is expected to demonstrate AUM growth consistent with its low-teens to mid-teens YoY expansion target, as the HFC channel continues to gain share within the broader housing credit market which grew 10.9% YoY as of May 2026. Net interest margins are likely to remain stable or face marginal compression, given that the repo rate was held at 5.25% throughout the quarter and the company's cost of funds tracked at approximately 7.8% in FY26. Asset quality is anticipated to remain stable, with the Stage-3 ratio expected in the 1.4% to 1.5% range and credit costs maintained below 0.3% of AUM, supported by resilient economic activity despite the RBI's downward revision of FY27 GDP growth to 6.6%. The upcoming call will likely focus on the company's ability to maintain its market-share-gaining trajectory and the contribution of asset-light initiatives like co-lending to overall AUM growth.

Key Things To Watch

Disbursement and AUM Growth: Monitoring Aadhar's ability to outpace system-wide housing credit growth.

System-wide housing credit growth slowed to 10.9% YoY as of May 2026
HFC credit growth accelerated to 14.2% YoY in May 2026
Management previously guided for 20-22% AUM growth for FY26

Margin and Cost of Funds: Assessing the impact of a stable repo rate on profitability.

Repo rate held at 5.25% in both April and June 2026 MPC meetings
FY26 cost of funds stood at approximately 7.8%
NHB RESIDEX 50-city composite HPI rose 5.0% YoY, supporting incremental yields

Asset Quality and Risk: Tracking the health of the low-income borrower cohort.

GNPA reported at 1.42% as of September 2025
Q4 FY26 impairment charges totaled Rs. 10.2 Cr
Credit costs expected to remain below 0.3% of AUM

Frequently Asked Questions

How did Aadhar Housing Finance's revenue and profit perform in the previous quarter?

In Q4 FY26, the company reported revenue of Rs. 984.6 Cr and a PAT of Rs. 310.9 Cr. This followed a full-year FY26 performance where AUM grew approximately 21% YoY to Rs. 24,840 Cr.

What is the current status of the RBI repo rate and its impact on Aadhar's borrowing costs?

The RBI maintained the repo rate at 5.25% during the April and June 2026 meetings, keeping the policy stance neutral. Consequently, Aadhar's cost of funds is expected to remain flat sequentially, tracking the approximately 7.8% level recorded for FY26.

Is Aadhar Housing Finance on track with its AUM growth guidance?

The company entered the new fiscal year with a management framework of 20-22% AUM growth. While Q1 typically sees sequential softness compared to the Q4 year-end push, performance is expected to remain ahead of the industry's 10.9% system-wide housing credit growth.