20% AUM growth for FY27
Management reiterated medium-term guidance of 20% AUM growth, 20% PAT growth, and 17-18% disbursement growth.
AADHARHOUSINGFINANCE / guidance tracker
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Aadhar Housing Finance · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
growth
Cost-to-income ratio to drop ~50 bps in FY27
Targeting further improvement in cost-to-income ratio by about 50 basis points in the next financial year.
LAP mix to be maintained at ~25-26%
Management plans to keep loan against property (LAP) mix around 25-26% of disbursements, with room to increase if needed.
Spread contraction of 8-10 bps YoY expected
Spreads 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.