Aadhar Housing Finance Limited

₹-

per share

Bidding Dates

Min. Investment

Lot Size

Issue Size

IPO Timeline

Bidding starts

Bidding ends

Allotment finalisation*

Refund initiation*

Demat transfer

Listing

* Refund is a 7-10 days process. If you don’t get refund then please contact your bank.

About Aadhar Housing Finance Limited IPO

Incorporated in 2010, Aadhar Housing Finance Limited, as we know it today, was formed after its merger with DHFL Vyasa in November 2017. It is one of India’s largest housing finance companies focused on the low-income housing segment. It primarily targets first-time home buyers in economically weaker and low-to-middle-income customers.

The company has a presence in 20 states and union territories with 325 branches (as on 31 December 2021), offering a range of mortgage-related loan products. Its branch network is spread across 15,000 locations, with the top five states and union territories accounting for 63.1% of total assets under management (AUM).

Aadhar Housing Finance IPO will be a combination of a fresh issue and an offer for sale. The money raised through the fresh issue of the Aadhar Housing Finance IPO will be utilised towards augmenting its capital base to meet future capital requirements.

Here are key details about the Aadhar Housing Finance IPO:

Company Name	Aadhar Housing Finance Limited	Company Type	Private
Company Established On	2010	Aadhar Housing Finance Limited IPO Opening Date	TBA
Aadhar Housing Finance Limited IPO Closing Date	TBA	Aadhar Housing Finance Limited IPO Allotment Status	TBA
Credit of Shares to the Demat Account	TBA	Aadhar Housing Finance Limited IPO Listing Date	TBA
Aadhar Housing Finance Limited IPO Face Value	TBA	Aadhar Housing Finance Limited IPO Lot Size	TBA
Aadhar Housing Finance Limited IPO Issue Size	TBA	Aadhar Housing Finance Limited IPO to be Listed on	BSE, NSE
Aadhar Housing Finance Limited IPO Price band	TBA

Financial snapshot

Particulars	FY 19	FY 20	FY 21	9M FY 22
Revenue	₹ 1265 crore	₹ 1388 crore	₹ 1575 crore	₹ 1276 crore
Net profit/loss	₹ 161 crore	₹ 189 crore	₹ 340 crore	₹ 329 crore

Here’s a quick look at Aadhar Housing Finance Limited IPO’s strengths, weakness, opportunities and risks (SWOT analysis)

Strengths and opportunities

Between FY19 to FY21, gross assets under management (AUM) grew at a CAGR of 15.4% to ₹13,327 crore.
Company is focused on low-income housing, which is underpenetrated and offers significant growth opportunities. As per an industry report, 95% of the housing shortage is in the lower-income group.
The average cost of borrowing has declined steadily over the last three financial years to 8.1% due to a flexible fundraising strategy.
Social objectives are a core component of the business model as over 80% of its Gross AUM is sourced from customers from the economically weaker and low-income group as of 31 December 2021.
It has robust systems and processes for underwriting, collections and monitoring asset quality.

Risks and threats

Subject to periodic inspections by the NHB and RBI, non-compliance with regulatory requirements will have adverse effects on the business and operations.
Along with the growth in the AUM, gross non-performing assets (NPAs) have also increased from 0.58% in FY19 to 1.07% in FY21.
Any adverse event affecting the Indian real estate sector will most likely impact the value of collaterals and can have negative effects on business and results.
Depends on third-party selling agents for referral of a certain portion of customers.

Aadhar Housing Finance Limited IPO details

| Aadhar Housing Finance Limited IPO date

The company has filed its Draft Red Herring Prospectus with the market regulator SEBI. It has also received a nod from SEBI to launch its IPO. But the Aadhar Housing Finance IPO date – in other words, the Aadhar Housing Finance IPO launch date – hasn’t been announced yet. The Aadhar Housing Finance IPO closing date also hasn’t been declared. Along with these dates, investors will be updated about the Aadhar Housing Finance shares allotment date.

Investors, who receive allotments, can expect Aadhar Housing Finance shares to be credited to their demat account after the allotment date. Besides this, the Aadhar Housing Finance IPO listing date hasn’t been announced yet. The listing date is the date on which the shares of a company get listed on the bourses – NSE and BSE. Stay tuned to Upstox for all the key updates about the Aadhar Housing Finance IPO.

| Aadhar Housing Finance Limited IPO Price Band

The Aadhar Housing Finance IPO is a fresh issue as well as an offer for sale. The Aadhar Housing Finance IPO price band hasn’t been set yet. The price band is a price range within which investors can apply for the IPO. When the Aadhar Housing Finance IPO opens, interested investors will have to choose a price within the band to apply for the public issue.

Also, the Aadhar Housing Finance IPO listing price will be determined on the listing date. The listing price is the price at which the shares of a company make their debut on the stock exchanges.

| Aadhar Housing Finance Limited IPO Lot size

The Aadhar Housing Finance IPO details haven’t been declared. Hence, the Aadhar Housing Finance IPO lot size also hasn’t been announced yet. It’s important to note that an investor can apply for a minimum of 1 lot. Meanwhile, according to the DRHP, the Aadhar Housing Finance IPO issue size could be around ₹7,300 crore.

How to apply for the Aadhar Housing Finance Limited IPO?

If you are interested in this investment opportunity but unsure how to apply for the Aadhar Housing Finance IPO, here are the steps that you need to follow.

When the public issue opens for subscription, one can follow this step-by-step guide on how to apply for the Aadhar Housing Finance Ltd IPO on Upstox:

Log in to your Upstox account, using your six-digit PIN
After logging in, click on ‘Discover’
On the ‘Discover’ tab, you will find the ‘Invest in IPO’ section
Under the Invest in IPO section, look for the ‘Aadhar Housing Finance IPO’ tab and click on it
Now fill in all the required information, like ‘bid price’ and ‘lot size’
Confirm and click on ‘Apply’
Accept the mandate on your UPI app

How to check the Aadhar Housing Finance Limited IPO allotment status?

When the allotment process is completed, you can check the status of your application on the Upstox app. Share allotment is generally done around five to six days after an IPO closes.

Here’s a step-by-step guide on how to check the Aadhar Housing Finance Ltd IPO allotment status:

Login to your Upstox account, using your six-digit PIN
After logging in, click on ‘Discover’
On the ‘Discover’ page, you will find the ‘Invest in IPO’ section
Under the Invest in IPO section, you will find the ‘View all’ option
Once you click on ‘View all’, you will be directed to the ‘IPO’ tab
In the ‘IPO’ tab, click on ‘My applications’
In ‘My applications’, under the History section, your Aadhar Housing Finance IPO allotment status will be mentioned

Open a demat account with Upstox to apply for the Aadhar Housing Finance Limited IPO

To apply for the Aadhar Housing Finance Ltd IPO, you need to mandatorily have a demat account. A demat account helps you hold the shares you buy in a dematerialised format. If you don’t have a demat account yet, you can open one with Upstox by visiting our website or by downloading the app.

Here is a step-by-step guide on how to open a demat account with Upstox:

Click here to visit the demat account opening page on the Upstox website.
Enter your phone number and other essential details
Upload the scanned copies of your PAN, Aadhaar card, a cancelled cheque and your bank statement as needed
Complete the e-verification using the OTP sent to your registered mobile number

This is all it takes to open a demat account with Upstox. Easy and quick, right?

Upstox – trading app to apply for the Aadhar Housing Finance Limited IPO

Applying for IPOs with Upstox is extremely easy. The user-friendly interface and top-notch security make Upstox one of the leading trading apps in India.

You can apply for the Aadhar Housing Finance IPO on Upstox, provided you have a demat account. As mentioned in the previous section, you can simply follow the steps to open a demat account with Upstox. The biggest advantage is that when you apply for an IPO using your Upstox account, the brokerage charges are zero.

In fact, due to its robust features and minimal charges, Upstox is among the most preferred trading apps. Lakhs of Indians trust Upstox as it is a reliable trading platform that makes IPO applications easy.

IPO analysis

Registrar information

Name

KFin Technologies Private Limited

Phone number

+91 40 6716 2222

Email ID

ahfl.ipo@kfintech.com

Red herring prospectus

View documents submitted by company in filing to understand more details about them.

FAQs

How can you pre-apply for the Aadhar Housing Finance IPO?

Pre-applying for the Aadhar Housing Finance IPO means applying for this public issue before it goes live. However, pre-apply for the Aadhar Housing Finance IPO feature isn’t open currently.

When does pre-apply for the Aadhar Housing Finance IPO open and how can you pay for it?

The pre-apply for the Aadhar Housing Finance IPO will begin two days before the Aadhar Housing Finance IPO release date. After pre-applying, once the IPO goes live, you will receive a UPI mandate. Accept this to block the IPO application amount and successfully place your bid.

How to apply for Aadhar Housing Finance IPO? Or How to invest in the Aadhar Housing Finance IPO?

You can apply on Upstox’s website and app, once the Aadhar Housing Finance IPO opens for the subscription.

When does the Aadhar Housing Finance IPO open and close for the subscription?

The dates for the Aadhar Housing Finance IPO haven’t been announced yet.

What’s the lot size and minimum investment needed for the Aadhar Housing Finance IPO?

The details about the Aadhar Housing Finance IPO’s lot size haven’t been announced yet.

What is the price band for the Aadhar Housing Finance IPO?

The price band for the Aadhar Housing Finance IPO expected price isn’t available currently.

What’s the size of the Aadhar Housing Finance IPO?

The size of the Aadhar Housing Finance IPO has not been announced yet.

How many bids can I place for the Aadhar Housing Finance IPO?

You can place up to three bids for an application.

Can these bids be placed at different times during the IPO subscription period?

No, the bids have to be placed in one go. If you want to add an additional bid, then you would have to delete your application and re-apply.

When will Aadhar Housing Finance shares be credited to your demat account?

The date for crediting Aadhar Housing Finance shares to the demat account has not been announced yet.

Which exchanges will Aadhar Housing Finance shares list on?

Aadhar Housing Finance shares will be on NSE and BSE.

When will Aadhar Housing Finance shares list on the exchanges?

The listing date has not been announced yet.