• AUM growth outlook: Low-income housing finance companies are projected to grow at approximately 22% CAGR, with Aadhar Housing Finance sustaining 20%+ AUM growth and targeting above 21% by fiscal year-end.
• Asset quality metrics: Gross NPAs are projected to close around 1.1% amid stable bounce rates, with credit costs expected to remain in the 0.23% to 0.25% range.
• Portfolio and customer mix: Retail home loans and non-home loans comprise a 70:30 ratio (with loan against property accounting for 27%), while the borrower base consists of 55% salaried and 45% self-employed individuals.
• Interest rate spreads: With 74% to 75% of both assets and liabilities on floating rates, lending rate reductions are systematically passed on to customers while protecting net spreads around 6%.