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Total Issue Size
Fresh Issue + Offer For Sale
Fresh Issue (FI)
Proceeds go to the company
Offer For Sale (OFS)
Proceeds go to the existing investors
Augmenting the capital base for future lending
Meeting future capital requirements of the company towards onward lending.
(₹ in Crore)
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Aadhar Housing Finance Limited is a housing finance company incorporated in 2010, focused on lending to the low income housing segment in India, typically for loan ticket sizes under Rs 15 lakh. It offers loans for purchase and construction of residential property, home improvement and extension, and loans against property, largely to self-employed and informal-income borrowers. The company operates a large branch network of close to 500 branches and sales offices spanning around 20 states and union territories, reaching thousands of pin codes across the country, with a particular focus on tier 4 and tier 5 towns. Its majority shareholder is BCP Topco VII Pte. Ltd, an affiliate of funds managed by Blackstone. Aadhar Housing Finance has reported steady growth in its loan book, revenue and profitability in recent years, and according to third party industry analysis it has ranked among the largest low income housing financiers in the country by assets under management and net worth. It listed on the NSE and BSE in May 2024 through an initial public offer combining a fresh issue and an offer for sale by its promoter.
The issue included a large anchor investor allocation of about 2.85 crore equity shares, roughly 30 percent of the total issue and 60 percent of the QIB portion, at the upper price band of Rs 315 per share, raising close to Rs 898 crore ahead of the public offer.
Source: RHP • Analysis provided for informational purposes
Last Updated: 14 July 2026, 5:30 AM
Leading position in low income housing finance
The company ranks among the largest low income housing financiers in India by AUM and net worth, per independent industry analysis.
Wide, deep-reach branch network
Close to 500 branches and sales offices across roughly 20 states and union territories give it access to a large underserved borrower base, including tier 4 and tier 5 towns.
Consistent growth in scale and profitability
Revenue, loan assets and profit after tax have grown steadily over the last several years.
Technology enabled underwriting
The company uses analytics and technology driven processes to assess and service a largely informal-income customer base.
Regulatory scrutiny of former promoters
The company has previously been subject to regulatory inquiries connected to a former promoter group, a legacy overhang investors should track.
Concentrated shareholder control
The controlling shareholder's large voting stake, even after the offer for sale, limits the influence of public shareholders on corporate decisions.
Dependence on borrower-provided information
A large share of the customer base has informal or self-employed income, so underwriting relies heavily on borrower-supplied and alternate data that can be harder to verify than salaried income.
Aadhar Housing Finance Limited
201, Raheja Point-1, Near Shamrao Vithal Bank, Nehru Road, Vakola, Santacruz (E), Mumbai, Maharashtra 400055, India
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Leverage typical of a lending business
As a housing finance company, the balance sheet carries substantial borrowings relative to net worth, which is normal for the sector but exposes it to funding cost and liquidity risk.