Aadhar Housing Finance · Analyst questions, management answers, and the quality of the response where the ledger is available.
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Questions audited
12
Answered directly
88%
Numeric claims
1
Consistency
contradicted
Question ledger
Abhishek Kumar Jen · Alpha Accurate
partialU what gives us confidence is see we I I will not be able to talk about um you know what others are doing but um the way I look at my current numbers even for January they are upward of what we delivered in December.
Abhishek Kumar Jen · Alpha Accurate
directI think it's a uh answering a question about stage two improvement. It is pretty broad-based. Uh we wouldn't be able to to specifically link it to any particular geography.
Abhishek Kumar Jen · Alpha Accurate
partialSo uh one is PMA by update I gave in my speech uh and I told uh that we are a company which is leading from the front. We are the highest uh subsidy takers today for our customers. 10,000 plus customers already avail the subsidy.
Arun · JM Financial
directSo, so basically credit cost if you look at quarter 3 fi 26 is 28% typically uh so we are very because typically as you would be tracking the industry what happens in quarter 4 is we typically see an improvement...
Chinten Sha · ICICI Securities Limited
directUh hi Shintan I you know I'm while you're asking the question I'm struggling because all the states have contributed almost equally so I don't want to pick up any particular state which has given me higher growth or lower growth everybody's contributed barring you know the barring one state which I can point out Punjab...
Chinten Sha · ICICI Securities Limited
directUh so we are in a similar trend uh Chintan. Uh 5.5% is what we have recorded. um which has a drop from a 6.1% uh yi basis.
Prity Raj Patel · Invest
directHi Pritu. Uh thank you for the question. I'll take the second question first. Uh in terms of plan for expansion into new geographies I I would say that we are available in all the possible geographies of the country. We are available in 22 states.
Siraj Khan · Ascendency Capital
directUh thank you sir for the question. Uh in fact if you look at our quarteronquarter performance our home loan has grown by about 14 14 and a half% and non-housing has grown by 9%. So it's the other way around...
Siraj Khan · Ascendency Capital
directIn today's Alco uh the uh the Alco has decided uh to drop our rates by 15 bits uh from February uh uh 2026. It could be applied between 10th and 15th of February 2026. A 15 bits drop which will be impacting 75% or benefiting 75% of the customers.
Malik Chri · Monach Network Capital Limited
directUh so Malik you know when we talk about competition it's a broad-based word. We will have to look at various segments. For example, you know, there is competition in the prime segment. Then there is affordable segment and then there is low income segment and we operate in the low-inccome segment...
Siraj Khan · Ascendency Capital
directI think broadly to look at it is 5 to 6% will be typically linked to inflation. Uh and broadly the balance would be a combination of productivity improvements which will happen with our existing mature branches and five to 6% will be the incremental business which the branches set up in the last 18 months which start providing in the next financial.
Sonel · Asian market securities
partialYeah. So if you remember the four questions we will answer. We have forgotten the second question but uh uh the coal ending that we did coalending is a small piece for us. We did only 26 crores of coending in the current quarter. Uh previous quarter was approximately 97 crores.
