Aadhar Housing Finance Limited

Nbfc · Real Estate

Verify this issuer →
Methodology v1.0 Download Report (PDF)
Latest Rating
AA (ICRA)
Total Debt Outstanding
₹3,255 Cr
Across 23 instruments
Listed Bonds
23
First Issue
2016-07-08
Latest Issue
2026-06-18
Maturity Range
2026 - 2032
Observation
23 active bonds tracked from this issuer.
View details →
Coverage: High Data Quality: High Sources: NSE, BSE, SEBI, rating agencies
01 Issuer Overview
Sector
Real Estate
Issuer Type
Nbfc
First Tracked Bond
2016-07-08
Start of this issuer's debt program timeline
  • 23 active bonds tracked from this issuer.
  • 17 of 22 tracked bonds with a stated security status are secured. (based on 22 bonds with a disclosed security status)
  • Most recent rating action: reaffirm by CRISIL on 2026-08-04.

Aadhar Housing Finance Limited, an NBFC in the real estate sector, is tracked on RetailBonds.in. Outstanding bonds carry coupons between 7.15% - 10.00%, paid annual. 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.

Thanks — your suggestion has been submitted for review.

02 Debt Profile
Outstanding Bonds
23
Tracked by RetailBonds
Amount Tracked
₹3,255 Cr
Of bonds tracked by RetailBonds — not the issuer's total outstanding debt (disclosed for 22 of 23 bonds)
Avg Coupon
8.94%
Range 7.15% - 10.00%
Avg Remaining Tenure
1.8 Yrs
Nearest maturity 2026-09
Secured
77%
17 of 22 bonds with known status
Callable
3
Of 23 bonds
Avg Spread vs G-Sec
+365 bps
Credit premium (indicative)

Maturity Profile

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

0 2026: 7 bonds, ₹65 Cr tracked, avg coupon 9.34% 7 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 8.25% 4 bonds 2029 2032: 2 bonds, ₹502 Cr tracked 2 bonds 2032

Security Type / Instrument Mix

  • NCD 23 bonds · 100% · ₹3,255 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)
2016: ₹65 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: ₹250 Cr issued 2026 Cumulative: ₹65 Cr Cumulative: ₹86 Cr Cumulative: ₹788 Cr Cumulative: ₹1,103 Cr Cumulative: ₹2,605 Cr Cumulative: ₹3,005 Cr Cumulative: ₹3,255 Cr

Based on 22 of 23 active bonds with a known issue date and issue size — the rest are excluded, not assumed zero.

Financial Snapshot

Q1 FY26
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 23 bonds · 100%
AgencyRatingOutlookBonds
BRICKWORK AA+ 7
CARE AA 5
ICRA AA 4
INDIA_RATINGS AA 4
ICRA AA Stable 3

Recent Rating Actions

2026-08-04 · CRISIL
BBB
Reaffirmed · Stable
04 Outstanding Bonds View all bonds →
ISIN Bond Name Coupon Rating Maturity YTM Last Trade
INE538L08054 10% UNSECURED SUBORDINATED REDEEMABLE NON CONVERTIBLE DEBENTURES. SERIES AHFL-0005. DATE OF MATURITY 19/09/2026 10.00% AA+ (BRICKWORK) 2026-09-19
INE538L08062 AHFL-9.75%-10-10-26-PVT 9.75% AA (CARE) 2026-10-10
INE538L08070 AHFL-10%-10-10-26-PVT 10.00% AA+ (BRICKWORK) 2026-10-10
INE538L08088 AHFL-9.75%-10-10-26-PVT 9.75% AA+ (BRICKWORK) 2026-10-10
INE538L08096 AHFL-9.75%-17-10-26-PVT 9.75% AA+ (BRICKWORK) 2026-10-17
INE538L07379 AHFL-9%-16-11-26-PVT 9.00% AA+ (BRICKWORK) 2026-11-16
INE883F07249 AHFL-7.15-9-12-26-PVT 7.15% AA (CARE) 2026-12-09
INE883F07330 AHFL-8.65%-21-8-27-PVT 8.65% AA (ICRA) 2027-08-21 8.15% 2026-07-21
INE883F07363 AHFL-8.5%-2-12-27-PVT 8.50% AA (ICRA) 2027-12-02
INE883F07280 REPO RATE LINKED SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE DATE OF MATURITY 03/01/2028 AA (INDIA_RATINGS) 2028-01-03
INE883F07298 REPO RATE LINKED SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE DATE OF MATURITY 06/02/2028. AA (INDIA_RATINGS) 2028-02-06
INE883F07389 AHFL-8.37%-29-5-28-PVT 8.37% AA (ICRA) 2028-05-29
INE883F07397 AHFL-8.10%-24-8-28-PVT 8.10% AA (CARE) 2028-08-24
INE538L07536 9.75% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURES. SERIES VI. DATE OF MATURITY 29/09/2028 9.75% AA+ (BRICKWORK) 2028-09-29
INE538L07528 9.35% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURES. SERIES V. DATE OF MATURITY 29/09/2028 9.35% AA+ (BRICKWORK) 2028-09-29
INE883F07322 RESET RATE SBI 3MONTH MCLR LINKED SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURES DATE OF MATURITY 31/10/2028 AA (ICRA) 2028-10-31
INE883F07405 AHFL-30-11-28-PVT 7.76% AA (ICRA) 2028-11-30
INE883F07348 AHFL-8.25%-28-3-29-PVT 8.25% AA (ICRA) 2029-03-28
INE883F07264 3 M MUMBAI INTER-BANK OUTRIGHT RATE LINKED SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURES SERIESAHFL JUNE 2029 TRANCHE 1. DATE OF MATURITY 15/06/2029. AA (CARE) 2029-06-15
INE883F07272 3 M MUMBAI INTER-BANK OUTRIGHT RATE LINKED SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURES SERIESAHFL OCTOBER2029 TRANCHE 2. DATE OF MATURITY 15/06/2029. AA (CARE) 2029-06-15
INE883F07413 RESET RATE SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE DATE OF MATURITY 03/08/2029 AA (ICRA) 2029-08-03
INE883F07355 RESET RATE SECURED RATED UNLISTED REDEEMABLE NON-CONVERTIBLE DEBENTURES DATE OF MATURITY 25/06/2032. AA (INDIA_RATINGS) 2032-06-25
INE883F07371 RESET RATE SECURED RATED UNLISTED REDEEMABLE NON CONVERTIBLE DEBENTURE SERIES 2 DATE OF MATURITY 20/09/2032. AA (INDIA_RATINGS) 2032-09-20
Compare (/) Compare Bonds

YTM and Last Trade depend on secondary-market volume — shown only for bonds with a recorded BSE/NSE trade.

05 Market Activity

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

Traded Value (Last 30 Days)
₹0.0 Cr
Number of Trades (Last 30 Days)
10
Avg. Yield (Last 30 Days)
06 Regulatory Filings
Credit Rating Rationale
07 Methodology & Data Coverage
DatasetCountFreshness
Credit Ratings (current) 23 2026-06-04
Rating Actions History 1 2026-08-04
Secondary-Market Trades 15 2026-08-21
Reg52(4) Payment Disclosures 0

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

Related Issuers

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

Aadhar Housing Finance Limited currently has 23 active bonds with coupons 7.15% - 10.00%, maturities spanning 2026 - 2032.

What is Aadhar Housing Finance Limited's credit rating?

The most recent rating on Aadhar Housing Finance Limited's bonds is AA (ICRA), published by BRICKWORK, CARE, ICRA, INDIA_RATINGS.

Are Aadhar Housing Finance Limited's bonds secured?

Of the 22 bonds with a disclosed security status, 17 are secured (77%) and 5 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 2026-09; the average tenure is 1.8 Yrs.

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

The average coupon across Aadhar Housing Finance Limited's 23 active bonds is 8.94%.

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.