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Aadhar Housing Finance targets ₹50,000 Cr AUM by FY29 on 18-20% loan growth

The housing lender plans to nearly double its loan book over three years, underpinned by branch expansion into tier-3 to tier-5 cities and steady net profit growth of 20-22%.

₹30,571 CrFY26 AUM

Banking1 min read

Following a strong close to the financial year, the company's management has officially outlined its roadmap for the next three years.
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₹50,000 CrFY29 AUM target
18-20%Annual loan growth rate target

Aadhar Housing Finance has laid out a three-year roadmap anchored on aggressive scaling of its loan portfolio. Starting from ₹30,571 crore in AUM at FY26 close, the company aims to cross ₹50,000 crore by FY29—a nearly ₹20,000 crore expansion.

To reach this milestone, management is modeling a steady annual loan growth rate of 18% to 20% over the next three years. This pace reflects confidence in housing credit demand and the company's ability to deploy capital at scale.

Net profit growth is projected to keep pace, targeting a 20% to 22% annual increase. This suggests management expects profitability to improve alongside top-line expansion, rather than margin compression from competitive intensity.

The growth strategy is narrowly focused: the affordable housing segment will drive all expansion. Operationally, the company is executing a branch expansion strategy to penetrate tier-3, tier-4, and tier-5 cities, where housing finance penetration remains relatively low.

Adding ₹20,000 crore to a loan book in 36 months demands rigorous underwriting discipline, robust origination infrastructure, and execution consistency across smaller cities. Progress against quarterly targets will indicate whether the company can sustain this pace without asset quality slippage.

Why it matters

For DSAs and loan agents, Aadhar's expansion into tier-3 to tier-5 geographies opens new distribution channels and higher demand for affordable housing products. The branch build-out signals sustained lending appetite in underserved markets where connectors operate. For lenders partnering with housing finance players, this growth profile helps map credit availability and competitive pressure in the affordable segment over the next three years.

Net profit growth tracking alongside loan growth indicates management believes it can scale without margin dilution—a key signal for stakeholders assessing the sustainability of housing finance economics in India. If execution proves sound, it validates the tier-4/tier-5 model for other players in the space.

Sources

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Finsamudra DeskNewsroom · 2 Jun 2026, 1:00 pm IST
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