Vision
To enable homeownership for every Indian across the nation.
Our MottoGhar Banega, Toh Desh Banega
FROM VISION TO VALUE
Enacting Purpose in Every Step
Pioneering Affordable Housing Solutions, trusted across India
Value Drivers
Mission
- To focus on the low-income segment.
- To provide valuable financial services at affordable rates.
- To expand our network to every corner of the nation and widen the net of financial and economic inclusion.
- To go one step beyond in serving our customers, providing a sense of security and creating customer delight.
- To speak the language of respect, dignity, and courtesy with every customer.
Core Values
- Speed: To set clear performance standards and be accountable for providing solutions within specified timelines, with skill and agility.
- Integrity: To honour our commitment, we will act responsibly, honestly, and transparently in all our external and internal relationships.
- Customer Delight: To maintain respectful relations with customers and deliver customer delight through all our actions whilst measuring our performance on the value delivered to customers.
Our Strategy
- Expanding our distribution network for deeper market penetration.
- Enhancing reach in target segments.
- Tech-Powered transformation: streamlining operations for superior service.
- Optimising borrowing costs and reducing operating expenses further.
Inputs
What We Do
Aadhar Housing showcases strong financials with broad financing sources and cost-effectiveness. Through disciplined asset management and effective liquidity management, the Company maintains financial stability and agility, ensuring it meets market demands efficiently and sustains stakeholder value.
Value We Generate
Aadhar Housing Finance Ltd. delivers significant value through enhanced financial flexibility, enabling agile responses to market conditions. Our strategic financial management has effectively reduced our cost of capital, increasing profitability. This and a robust risk management framework have notably improved our risk profile. Moreover, the strength of our financial practices is reflected in our 100% secured loan book, underscoring our commitment to security and trust.
Value Outcomes
₹211 bn
Assets Under Management (AUM)
₹7.5 bn
Profit After Tax (PAT)
₹44 bn
Net Worth
What We Do
Aadhar Housing is guided by a highly experienced Board, supported by Blackstone through BCP Topco VII Pte. Ltd., one of the world’s premier global investment firms. Our leadership team is seasoned and adheres to stringent corporate governance standards, ensuring that every decision and strategy aligns with our high standards of excellence and integrity.
Value We Generate
Our robust governance framework and internal controls are instrumental in managing operations effectively, yielding consistently strong results. Positioned distinctively in our chosen market, our differentiated business model ensures we remain poised for continued success, leveraging our leadership to drive strategic growth and innovation.
Enhanced Compliance: Meets regulatory standards, reducing risk exposures.
Investor Confidence: Attracts stable, long-term investments.
Risk Management: Maintains lower risk ratios, ensuring financial stability.
What We Do
Aadhar Housing maintains a pan-India presence with a comprehensive network for strategic geographic expansion. Our localised branch models and the development of Deep Impact Branches are underpinned by a nimble distribution strategy. Each branch is tailored to its location, ensuring operational expenditure is controlled, while maximising efficiency and service delivery.
Value We Generate
Our extensive network facilitates enhanced market penetration and improves customer accessibility, making our services available to a broader demographic. We are highly adaptable and responsive to local market demands, which positions us for sustainable growth. This approach extends our reach and deepens our impact across diverse communities, reinforcing our commitment to financial inclusion.
534
Assets Under Management (AUM)
59
New Branches Started in FY 2024
14% of AUM
No single state holds more than this percentage
What We Do
We leverage a scalable technology platform developed by TCS, encompassing all aspects of the loan lifecycle, from digital onboarding to loan servicing and collection management. We employ advanced digital solutions for underwriting, customer engagement, and mobility, enabling efficient management of financial services across a broad customer base.
Value We Generate
Our extensive network facilitates enhanced market penetration and improves customer accessibility, making our services available to a broader demographic. We are highly adaptable and responsive to local market demands, which positions us for sustainable growth. This approach extends our reach and deepens our impact across diverse communities, reinforcing our commitment to financial inclusion.
Value Outcomes
Use technology to build innovative distribution channels to originate loans and deepen market footprint
Process loans on best-in-class platforms to bring full visibility and trail in operations
What We Do
We leverage a scalable technology platform developed by TCS, encompassing all aspects of the loan lifecycle, from digital onboarding to loan servicing and collection management. We employ advanced digital solutions for underwriting, customer engagement, and mobility, enabling efficient management of financial services across a broad customer base.
Value We Generate
Aadhar Housing leverages its position as a leading low-income housing finance to enhance financial inclusion and customer access to affordable housing. Our strategic utilisation of government schemes like PMAY reduces our customers’ borrowing costs and boosts housing demand. This approach increases our market share, strengthens financial stability, and reinforces our commitment to social progress, positioning us as a pivotal player in the sector.
Value Outcomes
20%
Disbursement Growth
266K
Live Accounts:
71%
Gross AUM with EWS/LIG Customers