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Aadhar Housing Finance Limited — Bonds & AA (ICRA) Rating

NBFC · Real Estate

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Methodology v1.0 Download Report (PDF) Watch
Agency Rating
AA (ICRA)
Most common current rating on senior bonds
7 of 14 rated · ICRA, 31 Jul 2026
Total Debt Outstanding
₹3,545 Cr
Across 19 instruments
Active Bonds
19
First Issue
8 Jul 2016
Latest Issue
20 Jul 2026
Maturity Range
2026 - 2032
Observation
19 active bonds tracked from this issuer.
View details →
Coverage: High Data Quality: High Sources: NSE, BSE, SEBI, rating agencies

Latest events

Last 90 days · company disclosures to the exchanges and agency announcements. Not our assessment.
Issuer health card 1 item to look at
  • Current ratings ICRA AA, CARE AA+, CARE AA
  • Rating range Current ratings range from AA- (ICRA 31 Dec 2024) to AA+ (CARE 3 Jul 2026)
  • Rating direction, 12 months No rating actions on file
  • Watch / negative outlook None in 12 months
  • Issuer not cooperating No such actions in 12 months
  • Rating withdrawn, 12 months No withdrawal of this issuer's rating in 12 months
  • Newest agency rating Dated 31 Jul 2026
  • Payment record No payment disclosures since 17 Jul 2026
  • Defaults on record No bond marked defaulted
  • Traded in the last 30 days 3 of 19 active bonds had an exchange trade
  • Exchange filings, 90 days 56 filings on NSE/BSE

A checklist of published facts, not a rating or a view on credit quality. Ratings are the agencies' own; payment record covers NSE disclosures since 17 Jul 2026; "late" means paid more than 3 days after the due date (next-working-day payments are allowed). Rating range covers every current rating on the issuer's active bonds, with each agency's rating date. Rating actions count only when the agency's heading names this issuer, not pools or trusts it originated; a withdrawal is flagged only when the issuer's rating itself is withdrawn, not a single facility. Rating age uses the newest rating date on file and is flagged when older than 12 months. See methodology.

Alert me about Aadhar Housing Finance Limited An email when a rating agency acts on this issuer (including any cut to default grade D) or a payment is disclosed late or short. Free, no account needed.
01 Issuer Overview
Sector
Real Estate
Issuer Type
NBFC
First Tracked Bond
8 Jul 2016
Start of this issuer's debt program timeline
  • 19 active bonds tracked from this issuer.
  • 18 of 18 tracked bonds with a stated security status are secured. (based on 18 bonds with a disclosed security status)

Aadhar Housing Finance Limited, an NBFC in the Real Estate sector, is tracked on RetailBonds.in. Outstanding bonds carry coupons between 7.15% - 9.75%, paid annually. Maturities on outstanding bonds fall between 2026 - 2032.

Data sourced from NSDL, BSE, NSE, and registered credit rating agencies. Verify against the issuer's offer document before transacting.

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02 Debt Profile
Outstanding Bonds
19
Tracked by RetailBonds
Amount Tracked
₹3,545 Cr
Of bonds tracked by RetailBonds — not the issuer's total outstanding debt (disclosed for 18 of 19 bonds)
Avg Coupon
8.49%
Range 7.15% - 9.75%
Avg Remaining Tenure
2.2 Yrs
Nearest maturity Nov 2026
Secured
100%
18 of 18 bonds with known status
Callable
0
Of 19 bonds
Avg Spread vs G-Sec
+188 bps
Credit premium, from 2 bonds with a current market yield

Maturity Profile

Active bonds maturing, by year. Bar height relative to the tallest year (8 bonds).

0 2026: 2 bonds, ₹5 Cr tracked, avg coupon 8.07% 2 bonds 2026 2027: 2 bonds, ₹650 Cr tracked, avg coupon 8.57% 2 bonds 2027 2028: 8 bonds, ₹936 Cr tracked, avg coupon 8.67% 8 bonds 2028 2029: 4 bonds, ₹1,102 Cr tracked, avg coupon 8.38% 4 bonds 2029 2031: 1 bond, ₹350 Cr tracked 1 bond 2031 2032: 2 bonds, ₹502 Cr tracked 2 bonds 2032

Security Type / Instrument Mix

  • NCD 19 bonds · 100% · ₹3,545 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)
2016: ₹5 Cr issued 2016 2018: ₹21 Cr issued 2018 2022: ₹702 Cr issued 2022 2023: ₹315 Cr issued 2023 2024: ₹1,502 Cr issued 2024 2025: ₹400 Cr issued 2025 2026: ₹600 Cr issued 2026 Cumulative: ₹5 Cr Cumulative: ₹26 Cr Cumulative: ₹728 Cr Cumulative: ₹1,043 Cr Cumulative: ₹2,545 Cr Cumulative: ₹2,945 Cr Cumulative: ₹3,545 Cr

Based on 18 of 19 active bonds with a known issue date and issue size — the rest are excluded, not assumed zero.

Financial Snapshot

Q1 FY27
Debt / Equity
0.02
 
Debt Service Coverage (DSCR)
0.00
 
Interest Service Coverage (ISCR)
0.00
 
Revenue from Operations
₹992.77 Cr
 
Net Profit / Loss
₹282.31 Cr
 
Profit Before Tax
₹363.57 Cr
 

As filed under SEBI LODR Reg 52(4) / Integrated Filing, filed 31 Jul 2026. Figures are reported facts, not a rating or recommendation.

03 Credit Profile
  • AA 19 bonds · 100%
AgencyRatingOutlookBonds
CARE AA+ Stable 6
ICRA AA Stable 3
ICRA AA — 2
CARE AA — 1
ICRA AA Positive 1
ICRA AA- — 1
India Ratings AA NSDL record — 4
ICRA AA NSDL record — 1

Recent Rating Actions

No rating action history available.

04 Outstanding Bonds View all bonds →
ISIN Bond Name Coupon Rating Maturity YTM Last Trade Details
INE538L07379 Aadhar Housing Finance 9.00% Nov 2026 NCD 9.00% AA+ (CARE) 2026-11-16 — —
INE883F07249 Aadhar Housing Finance 7.15% Dec 2026 NCD 7.15% AA (CARE) 2026-12-09 — —
INE883F07330 Aadhar Housing Finance 8.65% Aug 2027 NCD 8.65% AA (ICRA) 2027-08-21 8.98% 2026-11-05
INE883F07363 Aadhar Housing Finance 8.50% Dec 2027 NCD 8.50% AA (ICRA) 2027-12-02 — —
INE883F07280 Aadhar Housing Finance Jan 2028 NCD — AA (India Ratings, NSDL record 2023) 2028-01-03 — —
INE883F07298 Aadhar Housing Finance Feb 2028 NCD — AA (India Ratings, NSDL record 2023) 2028-02-06 — —
INE883F07389 Aadhar Housing Finance 8.37% May 2028 NCD 8.37% AA- (ICRA) 2028-05-29 — —
INE883F07397 Aadhar Housing Finance 8.10% Aug 2028 NCD 8.10% AA+ (CARE) 2028-08-24 — —
INE538L07536 Aadhar Housing Finance 9.75% Sep 2028 NCD 9.75% AA+ (CARE) 2028-09-29 — 2026-09-07
INE538L07528 Aadhar Housing Finance 9.35% Sep 2028 NCD 9.35% AA+ (CARE) 2028-09-29 — —
INE883F07322 Aadhar Housing Finance Oct 2028 NCD — AA (ICRA, NSDL record 2023) 2028-10-31 — —
INE883F07405 Aadhar Housing Finance 7.76% Nov 2028 NCD 7.76% AA (ICRA) 2028-11-30 8.64% 2026-10-09
INE883F07348 Aadhar Housing Finance 8.25% Mar 2029 NCD 8.25% AA (ICRA) 2029-03-28 — —
INE883F07264 Aadhar Housing Finance Jun 2029 NCD — AA+ (CARE) 2029-06-15 — —
INE883F07272 Aadhar Housing Finance Jun 2029 NCD — AA+ (CARE) 2029-06-15 — —
INE883F07413 Aadhar Housing Finance 8.52% Aug 2029 NCD 8.52% AA (ICRA) 2029-08-03 — —
INE883F07421 Aadhar Housing Finance Jul 2031 NCD — AA (ICRA) 2031-07-15 — —
INE883F07355 Aadhar Housing Finance Jun 2032 NCD — AA (India Ratings, NSDL record 2024) 2032-06-25 — —
INE883F07371 Aadhar Housing Finance Sep 2032 NCD — AA (India Ratings, NSDL record 2024) 2032-09-20 — —
Compare (/) Compare Bonds

YTM is the market yield from the latest BSE/NSE trade. It shows “—” when that trade is over 30 days old, the bond is under 30 days from maturity, it is a market-linked debenture, or the price failed our checks (hover the dash for the reason). A coupon is never shown as a yield.

05 Market Activity

Last 30 days, across all outstanding bonds from this issuer.

BSE Traded Value (Last 30 Days)
₹1.86 L
Number of Trades (Last 30 Days)
4
Avg. Yield (Last 30 Days)
8.81%
06 Regulatory Filings
07 Methodology & Data Coverage
DatasetCountFreshness
Credit Ratings (current) 19 2026-07-31
Rating Actions History 0 —
Secondary-Market Trades 9 2026-11-05
Reg52(4) Payment Disclosures 0 —

Methodology version 1.0. See full methodology for sources and limitations.

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Frequently Asked Questions
How many active bonds does Aadhar Housing Finance Limited have?

Aadhar Housing Finance Limited currently has 19 active bonds with coupons of 7.15% - 9.75%, maturities spanning 2026 - 2032.

What is Aadhar Housing Finance Limited's credit rating?

The most common current rating on Aadhar Housing Finance Limited's senior bonds is AA (ICRA). Ratings on file come from CARE, ICRA.

Are Aadhar Housing Finance Limited's bonds secured?

Of the 18 bonds with a disclosed security status, 18 are secured (100%) and 0 are unsecured.

When do Aadhar Housing Finance Limited's bonds mature?

Aadhar Housing Finance Limited's active bonds mature between 2026 - 2032; the nearest matures in Nov 2026; the average tenure is 2.2 Yrs.

What is the average coupon on Aadhar Housing Finance Limited's bonds?

The average coupon across Aadhar Housing Finance Limited's 19 active bonds is 8.49%.

Disclaimer: This page aggregates publicly available data about Aadhar Housing Finance Limited for informational purposes only. Ratings shown are the opinion of the issuing rating agency and are not buy/sell recommendations. RetailBonds.in does not issue its own ratings or investment advice. Verify all data against the issuer’s offer document before transacting.