The income from operation of Aadhar Housing Finance increased 20% to Rs 832.61 crore in Q4FY2025. Overall OPM rose to 77.13% in Q4FY2025 from 75.47% in Q4FY2024, leading to 23% rise in operating profit to Rs 642.23 crore. Other expenditure increased 17% to Rs 65.69 crore and employee expenses moved up 10% to Rs 124.69 crore. Interest cost increased 20% to Rs 314.71 crore. Depreciation moved up 12% to Rs 6.45 crore. Provisions rebounded to Rs 6.39 crore in Q4FY2025. PBT moved up 22% to Rs 315.91 crore.

The effective tax rate increased to 22.5% in Q4FY2025 compared to 22.0% in Q4FY2024. Provision for tax was expense of Rs 71.07 crore, compared to Rs 56.85 crore. Profit after tax increased 21% to Rs 244.84 crore.

Profit attributable to non-controlling interest was nil in both the periods. The share of profit of associate were nil in both the periods. Finally, Net profit attributable to owners moved up 21% to Rs 244.84 crore.

Book value of the company was at Rs 147.7 and adjusted book value was Rs 144.4 (net of NNPA) end March 2025.

Business highlights

AUM increased 21% to Rs 25531 crore end March 2025 over March 2024, of which retail home loans contributed Rs 18818 crore and other mortgage loans contributed Rs 6713 crore.

The disbursements have increased 18% to Rs 2566 crore in Q4FY2025.

Spread and NIM during the quarter stood at 5.7% and 9.1% respectively.

The total number of branches stands at 580 end March 2025.

Gross Stage 3 is at 1.05% end March 2025.

Net Worth grew by 43% YoY to Rs 6372 crore end March 2025.

Financial performance: FY2025

The income from operation of Aadhar Housing Finance increased 20% to Rs 3107.63 crore in FY2025. Overall OPM has increased to 78.13% in FY2025 from 77.64% in FY2024, leading to 21% rise in operating profit to Rs 2428.06 crore. Other income jumped 653% to Rs 1.28 crore. Interest cost increased 19% to Rs 1173.77 crore. Depreciation moved up 20% to Rs 25.24 crore. PBT moved up 22% to Rs 1173.26 crore.

The effective tax rate increased to 22.3% in FY2025 compared to 21.9% in FY2024. Provision for tax was expense of Rs 261.43 crore, compared to Rs 209.95 crore. Profit after tax rose 22% to Rs 911.83 crore.

Profit attributable to non-controlling interest was nil in both the periods. The share of profit of associate were nil in both the periods. Finally, Net profit attributable to owners increased 22% yoy to Rs 911.83 crore in FY2025.

Aadhar Housing Finance: Consolidated Results
Particulars	2503 (3)	2403 (3)	Var %	2503 (12)	2403 (12)	Var %
Income from Operations	832.61	691.80	20	3107.63	2586.82	20
OPM (%)	77.13	75.47	'	78.13	77.64	'
OP	642.23	522.09	23	2428.06	2008.32	21
Other Income	1.23	0.02	6050	1.28	0.17	653
PBDIT	643.46	522.11	23	2429.34	2008.49	21
Interest (Net)	314.71	261.88	20	1173.77	986.69	19
PBDT	328.75	260.23	26	1255.57	1021.80	23
Provisions	6.39	-4.14	-254	57.07	41.23	38
Depreciation / Amortization	6.45	5.76	12	25.24	20.98	20
PBT before EO	315.91	258.61	22	1173.26	959.59	22
EO	0.00	0.00	-	0.00	0.00	-
PBT after EO	315.91	258.61	22	1173.26	959.59	22
Tax Expenses	71.07	56.85	25	261.43	209.95	25
PAT	244.84	201.76	21	911.83	749.64	22
Profit attributable to non-controlling interest	0.00	0.00	-	0.00	0.00	-
Share of profit/loss of Associate	0.00	0.00	-	0.00	0.00	-
Net Profit after minority and share in associate	244.84	201.76	21	911.83	749.64	22
EPS *	22.7	18.7	'	21.1	17.4	'
Adj BV (Rs)	144.4	110.0	'	144.4	110.0	'
* Annualized on current equity of Rs 431.38 crore. Face Value: Rs 10, Figures in Rs crore, PL: Profit to Loss, LP: Loss to Profit
Source: Capitaline Corporate Database

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