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Aadhar Housing Finance IPO

Aadhar Housing Finance is the largest HFC which offers a range of mortgage-related loan products, including loans for residential property purchase and construction; home improvement and extension loans; and loans for commercial property construction and acquisition.

The IPO constitutes a fresh issue of up to Rs 15,000 million and an offer for sale of up to Rs 58,000 million, aggregating up to Rs 73,000 million.



Opening Date

To be announced

Closing Date

To be announced

Price Band

To be announced

Issue Size

To be announced

Face Value

To be announced

Market Lot

To be announced

Listing at NSE, BSE

IPO Open Date To be announced
IPO Close Date To be announced
Allotment Date To be announced
Initiation Of Refunds To be announced
Credit Of Shares To
Demat Account		 To be announced
IPO Listing Date To be announced
UPI Mandate Expiry Date To be announced

IPO Financials

Particulars FY21 FY20 FY19
Retail AUM 133.252.2 113,896.2 99,208.7
Gross NPA 1.07% 0.82% 0.58%
Profit After Tax 3,401.3 1,893.8 1,618.8
EPS 8.37 5.83 6.39
ROE 13.71% 15.46% 20.53%

How to apply in IPO via UPI on Dynami

A simple and smartest way to apply in IPO online via Religare Dynami Mobile App

Why should you invest in the Aadhar Housing Finance IPO?

Below are your top 4 reasons:

  • Aadhar Housing Finance has stable credit ratings of A1+ and AA- ratings from CRISIL in short and long term loans, respectively.
  • The company focuses on semi-urban and rural audiences. They are the largest affordable HFC with an extensive network of 292 branches as of September 30, 2020.
  • Aadhar Housing Finance has the highest ALM surplus among peers in a 12-month bucket.
  • They have a robust and comprehensive process for underwriting, collection, and monitoring asset quality.

Know before investing

Strengths

One of the largest affordable housing finance company with deep penetration in the Indian market in the mortgage-related loan segment



Access to diversified and cost-effective long-term financing



Experienced and professional management team with an average experience of 25 years

Risks

Inability to maintain the capital adequacy ratio



Increase in the levels of non-performing assets (NPAs) in its AUM



Any negative events affecting the Indian real estate sector could adversely affect the value of the collateral for loans, business and result of operations

How to apply for Aadhar Housing Finance IPO ?

Retail investors need to apply for the IPO using UPI

UPI

  • Link your bank account to a UPI ID.
  • Register your UPI id with your Demat account.
  • Subscribe for Aadhar Housing Finance IPO and approve the payment on your UPI ID.

Demat Account

  • If you are an existing Dynami user, Pre-Apply Now!
  • If you’re a new investor, open an Dynami Demat account for free and begin your investment journey.

How to open a Demat & Trading Account?

Demat & Trading Account
Form fill up Demat & Trading Account

Fill up your personal details in the form above

Share Personal Details Demat & Trading Account

Fill up your DOB, PAN, email & bank account details

OTP Authentication Demat & Trading Account

Upload your photo and e-sign your application via Aadhaar OTP

How to open a Demat & Trading Account?

Frequently asked questions

  • Aadhar Housing Finance Limited’s Rs 73,000 IPO consists of new issues of Rs 15,000 million and equities on offer worth Rs 58,000 million.

  • A lot size is the minimum number of shares that an investor has to bid for. A lot size differs for each IPO and is fixed by the company.

  • IPO Price Band is the price range within which investors can bid for the shares. The minimum price is called the floor price and the maximum price is called the cap price.

  • Issue size is the total value of an IPO. It is calculated by multiplying the number of shares offered by the company by the issue price per share.

  • You will receive an email on your registered email id if the IPO shares are allotted to you. Alternatively, you can also visit the registrar of the company’s official website and provide the details as asked in the allotment status section of the website.

  • IPOs, as such, do not have any taxes. You are taxed only when you decide to sell the IPO shares. Any monetary profit you make while selling the IPO shares is referred to as ‘capital gains’.

    Capital gains tax is charged depending on how long you held the shares for. If you owned the shares for less than 12 months, it is considered as short-term capital gains and if it is over 12 months, it is referred as long-term capital gains.

    Tax on short-term capital gains is 15%. It is 10% for equity gains in the long run (over 12 months). Do remember that you are taxed if the equity proceeds exceed Rs 1 lakh.