Aadhar Housing Finance Ltd — Q4 FY26
Aadhar Housing Finance delivered a strong Q4 FY26, with AUM crossing ₹30,571 crore (up 20% YoY) and disbursements hitting a record ₹3,387 crore (up 20% YoY).
bullish
high
✓ Verified against BSE filing
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q3 FY26
AUM to cross ₹30,000 crore by FY26 end
Management reiterated guidance of crossing ₹30,000 crore AUM by end of FY26, implying continued growth momentum.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
FY26 AUM growth of 20%+ and disbursement growth of 16-17%
Management expects AUM growth upward of 20% and disbursement growth close to 16-17% for FY26.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Credit cost guidance of 25-26 bps for FY26
Credit cost for FY26 expected to be within 25-26 bps, with potential for negative credit cost in Q4.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Year-end GNPA in range of 1.10-1.15%
Management guided year-end GNPA to settle between 1.10% and 1.15% of AUM.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1