Strategic Credit Risk Management at Aadhar Housing
Aadhar Housing Finance Ltd. adopts a rigorous and holistic approach to credit risk management, which is pivotal in safeguarding stability and enhancing the quality of its financial portfolio. This strategic commitment ensures responsible lending practices and the Company’s reputation as a trusted leader in the housing finance sector, consistently managing risks to deliver sustainable growth.
Underwriting Systems and Processes
Aadhar Housing maintains firm and thorough underwriting systems to ensure the financial soundness of its operations. The company’s comprehensive underwriting process involves thoroughly checking applicants' credit history, financial stability and repayment capacity alongwith property legal, marketable and enforceable status, in case of default. This rigorous assessment helps identify credible borrowers and mitigate potential risks, thereby supporting the sustainability of the loan portfolio.
100 %Secured Loan Book
Collection
The collections strategy at Aadhar Housing is robust and effective, strategically engineered to maintain optimal cash flows and minimize defaults. The company employs a systematic approach, incorporating regular follow-ups and adaptive repayment solutions. These measures ensure high recovery rates and significantly enhance the company's financial health.
Asset Quality Monitoring
Aadhar Housing is committed to maintaining high asset quality across its loan portfolio. The Company regularly monitors asset quality through advanced analytics and real-time reporting mechanisms. This allows for the early detection of any signs of asset deterioration, enabling proactive remedial actions. Continuous monitoring ensures that the Company’s asset base remains strong and that the risk of non-performing assets is minimal.
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