• AUM growth trajectory: Low-income housing finance companies are projected to grow at 22% CAGR, with Aadhar Housing Finance expecting to close the financial year above 21% AUM growth driven by self-construction demand and PMAY schemes.
• Asset quality trends: Bounce rates have remained stable across regions for the past six quarters with no visible spillover from MSME stress, while credit costs are expected to stay at 0.23% to 0.25% with gross NPAs closing near 1.1%.
• Portfolio and borrower mix: Housing loans represent roughly 73% of the book while loan against property accounts for 27%, distributed across a customer base that is 55% salaried and 45% self-employed.
• Digital operations efficiency: Fully digital onboarding and TCS-developed core systems have cut loan turnaround times to two to three days, while predictive analytics with 85% accuracy and 100% mobility-based collections support recovery.
• Lending spread management: Floating rates comprise 74% to 75% of both assets and liabilities, allowing the company to protect lending spreads at around 6% while passing through benchmark rate reductions to borrowers.