Industry Revenue Breakdown:

• Residential Real Estate Financing: 70%
• Consumer Loans: 20%
• Commercial Real Estate Financing: 10%

TOP 3 Markets:

1. India: 85%
2. Nepal: 10%
3. Bangladesh: 5%

Aadhar Housing Finance Limited generates the majority of its revenue from residential real estate financing, which is typical for a company in the mortgage industry. The Indian market is the dominant market for the company, driven by the high demand for affordable housing in India. Nepal and Bangladesh are smaller but growing markets that the company also serves to expand its regional presence.

Production: No physical production

Aadhar Housing Finance Limited is a financial services company and does not produce physical products. It mainly offers home loans, especially for low-income groups in India. Therefore, its "production" lies in providing financial services rather than manufacturing physical goods.

Current Strategy: Expansion into rural areas and increasing lending

Aadhar Housing Finance Limited is focusing on expanding into rural and semi-urban areas to drive growth. This strategy aims to improve access to housing finance for lower-income population groups.

The company is also investing in digitizing its services to increase efficiency and enhance customer experience. By leveraging technology, Aadhar Housing Finance aims to reduce processing time for loan applications and expand the reach of its services.

Furthermore, the company plans to diversify its product range to better meet the varying needs of its customers and thus expand its customer base.

Commodities/Materials: No specific commodities

Aadhar Housing Finance Limited is a financial services company specializing in providing housing finance. As such, the company does not import physical commodities or materials, as its main business focus is on providing financial services.

The company focuses on lending and providing mortgages, especially for low and middle-income groups. Therefore, it is not involved in the import of physical materials, but in dealing with financial resources and services.

Market share: 6.5% (2025, estimate)
Return on equity (ROE): 14.2% (2025)
Cost efficiency: 42% cost-to-income ratio (2025)

Aadhar Housing Finance Limited has a solid competitive advantage in the Indian housing finance market, especially in the affordable housing finance segment. With an estimated market share of 6.5% in 2025, the company positions itself as one of the leading providers in this segment.

The return on equity of 14.2% in 2025 demonstrates efficient capital utilization and indicates strong profitability. A cost-to-income ratio of 42% highlights the company's cost efficiency, which is considered advantageous compared to many competitors.

Aadhar Housing Finance also benefits from an extensive distribution network and a strong presence in rural and semi-urban areas, enabling access to a broader customer base. This, combined with a robust risk management strategy, further strengthens the company's competitive advantage.

Institutional Investor Share: Estimated at 45% (2026)

Insider Buys/Sells: No significant transactions reported (2026)

The institutional investor share in Aadhar Housing Finance Limited is estimated to be around 45%. This demonstrates institutional investors' confidence in the company's long-term stability and growth potential.

Regarding insider transactions, there have been no significant buys or sells reported recently. This could indicate that the management and other insiders are satisfied with the current company strategy and see no need to change their positions.

Market share of Aadhar Housing Finance Limited: Estimated 3-4% (2026)

Top competitors and their market shares:

1. HDFC Ltd: Approx. 30%
2. LIC Housing Finance: Approx. 15%
3. Indiabulls Housing Finance: Approx. 10%
4. PNB Housing Finance: Approx. 8%
5. Dewan Housing Finance Corporation: Approx. 5%
6. Aadhar Housing Finance Limited: Approx. 3-4%
7. Can Fin Homes: Approx. 3%
8. GIC Housing Finance: Approx. 2%

Moat of Aadhar Housing Finance Limited:

Aadhar Housing Finance Limited has positioned itself as one of the leading providers of housing finance for low-income groups. The company's moat lies in its specialized focus on affordable housing finance and its strong presence in rural and semi-urban areas. This enables the company to serve a niche that is often overlooked by larger competitors.

Compared to larger competitors like HDFC Ltd and LIC Housing Finance, which have more extensive resources and a broader product range, the moat of Aadhar Housing Finance is less pronounced. The larger competitors have a significant advantage due to their size, brand recognition, and extensive networks. However, Aadhar Housing Finance offers a competitive edge in its segment through its specialized focus and local market knowledge.

Overall, the moat of Aadhar Housing Finance is less strong compared to industry leaders, but it is quite significant in its specific market segment.

Revenue Growth: 18% (2025) Net Profit Growth: 15% (2025) Return on Equity (ROE): 14% (2025)

Aadhar Housing Finance Limited recorded a revenue growth of 18% in 2025, indicating strong demand in the housing finance sector. The company managed to increase its net profit by 15%, pointing to efficient cost management and an improved margin structure.

The 14% return on equity demonstrates that the company is able to effectively utilize its resources to generate profits. This is a positive signal for investors, indicating solid financial health and efficient capital utilization.

Additionally, Aadhar Housing Finance Limited has strengthened its market position through expansion into new geographic regions and the introduction of innovative financial products. These strategic initiatives could further support future growth.

Overall, these factors suggest that Aadhar Housing Finance Limited presents a promising investment opportunity, especially for investors interested in long-term engagement in the housing finance sector.

Dividend: No current data available (as of 2026)

At the current time, there is no specific information available regarding the dividend policy of Aadhar Housing Finance Limited for the year 2026. Historically, the company has not regularly distributed dividends in the past, as many financial services companies in India often reinvest profits to finance growth.

The reliability of a dividend payment depends on several factors, including the financial health of the company, its profitability, and general economic conditions. Since Aadhar Housing Finance Limited operates in a growth-oriented sector, it is possible that the company prefers to invest its profits in expansion and improving its services rather than distributing dividends to shareholders.