Aadhar Housing Finance Management Guidance Tracker
8 forward-looking guidance items tracked across 2 quarters.
Growth
Management reiterated guidance of crossing ₹30,000 crore AUM by end of FY26, implying continued growth momentum.
Q3 FY26FY26 AUM growth of 20%+ and disbursement growth of 16-17%ActiveManagement expects AUM growth upward of 20% and disbursement growth close to 16-17% for FY26.
Q3 FY26Year-end GNPA in range of 1.10-1.15%ActiveManagement guided year-end GNPA to settle between 1.10% and 1.15% of AUM.
Q4 FY2620% AUM growth for FY27ActiveManagement reiterated medium-term guidance of 20% AUM growth, 20% PAT growth, and 17-18% disbursement growth.
Margins
Credit cost for FY26 expected to be within 25-26 bps, with potential for negative credit cost in Q4.
Q4 FY26Cost-to-income ratio to drop ~50 bps in FY27TrackedTargeting further improvement in cost-to-income ratio by about 50 basis points in the next financial year.
Q4 FY26Spread contraction of 8-10 bps YoY expectedTrackedSpreads are expected to contract by 8-10 bps annually due to incremental yields being lower than book yields, but LAP mix can provide a lever.