Archive · 10 Aug 2026
Aadhar Housing Finance pursues two-way co-lending with banks, fintechs
Aadhar Housing Finance is a company in India that gives loans to people who want to buy or build affordable homes.
It helps people with lower incomes, especially those living in small towns and villages.
The company is now working on something called co-lending, where banks and Aadhar share the job of giving a loan together.
Aadhar finds the customers, and banks provide the money.
Aadhar will also work with technology companies to find more customers in faraway places.
This helps both sides: banks can lend to people they could not reach before, and Aadhar can make more loans.
The company's loans have grown by 18 percent in one year.
It has 628 offices spread across 22 states in India.
This could help more people in India own their own homes.
Aadhar Housing Finance Ltd is developing two-way co-lending arrangements to originate affordable housing loans for large banks and expand its own portfolio with fintech-sourced loans.
The company has already entered co-lending partnerships with two public sector banks.
Assets under management rose 18 per cent year-on-year to ₹31,364 crore as of June-end 2026.
RBI's revised co-lending directions, released on August 6, 2025, require each regulated entity to retain a minimum 10 per cent of individual loans on its books.
AHFL operates 628 branches across 22 States and Union Territories, focusing on semi-urban and rural affordable housing.
- Who
- Aadhar Housing Finance Ltd (AHFL), led by MD & CEO Rishi Anand, along with two public sector banks and fintechs in the digital lending space.
- What
- Developing two-way co-lending arrangements to originate affordable housing loans for banks and expand its own portfolio with loans sourced by fintechs.
- When
- Announced in the annual report published on August 10, 2026; AUM figures as of June-end 2026.
- Where
- India, particularly semi-urban and rural areas.
- Why
- To leverage its distribution network, widen funding sources, help banks meet priority sector lending norms, and address growing demand for low-income housing.
- Company
- Aadhar Housing Finance Ltd (AHFL)
- MD & CEO
- Rishi Anand
- AUM (June-end 2026)
- ₹31,364 crore, up 18% year-on-year
- Co-lending partners
- Two public sector banks
- Branch network
- 628 branches across 22 States and Union Territories
- RBI co-lending directions
- Released August 6, 2025
- Minimum loan retention per entity
- 10 per cent of individual loans