Aadhar Housing IPO

Aadhar Housing Finance Ltd.

Aadhar Housing IPO Details

Bidding DatesMin. InvestmentLot SizePrice Range
To be announced------
Issue SizeIPO Doc
7300.00Cr
DRHP PDF

About Aadhar Housing

Parent Organisation
Aadhar Housing Finance Ltd.
Founded
1990
Managing Director
Deo Shankar Tripathi

Strengths & Risks

  • One of the largest affordable housing finance company in the fastest-growing sub-segment of the Indian mortgage market;
  • Extensive branch network, geographical penetration, and sales channels which contribute significantly to loan sourcing and servicing;
  • Robust, comprehensive systems and processes for underwriting, collections, and monitoring asset quality;
  • Access to diversified and cost-effective long-term financing with a disciplined approach to asset liability and liquidity management;
  • Experienced, cycle-tested, and professional management team with strong corporate governance
  • The continuing impact of the COVID-19 pandemic
  • Increase in customer delinquencies and the RBI-mandated moratorium
  • Vulnerability to the volatility in interest rates and the company face interest rate and maturity mismatches between its assets and liabilities in the future which may cause liquidity issues
  • Any increase in the levels of non-performing assets (NPAs) in its AUM
  • Any downgrade in the company’s credit ratings may increase interest rates for raising new debt, refinancing its outstanding debt, which would increase its financing costs
  • Difficulties in expanding its business or pursuing new business opportunities in new regions and markets
  • Inability to maintain the capital adequacy ratio
  • Inability to obtain, renew or maintain statutory and regulatory permits and approvals required to operate the business
  • Any failure in identifying, monitoring, and managing risks and effectively implementing its risk management policies
  • Any negative events affecting the Indian real estate sector

Financials

*All values are in Rs. Cr
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