Aadhar Housing Finance Limited CC-May26.pdf · 2026-05-05
Congrats on a good set of numbers. So my first question is a bit -- if you could give a bit more granularity on the 20% AUM growth that you are guiding for on the basis of the states which you see the higher number of growth or which you think will grow faster? And also on the ticket size, meaning your average ticket size is INR1.1 per million, INR11 lakhs around. But in the EWS and LIG space, like are you seeing a higher amount of growth in the INR2 lakh to INR5 lakh space or higher than INR5 lakhs, if you could give some color to that?
Got it. And sir, my second question is on this opex to AUM ratio or the cost-to-income ratio. So where do you see it going forward? And like what will contribute to it? Like what is your branch productivity right now? And how many branches are above that average branch productivity and how many branches are related to -- just elaborate a bit more to that?