Aditya Birla Housing Finance’s Gujarat Portfolio Grows 44%; Ahmedabad Up 46% in FY26

Ahmedabad: Aditya Birla Housing Finance Limited (“ABHFL”), a wholly owned subsidiary of Aditya Birla Capital Limited, continues to strengthen its presence in Gujarat, supported by healthy housing demand, infrastructure-led growth and rising home ownership aspirations across the state. Gujarat remains an important growth market for ABHFL, with the company’s portfolio outstanding in the state growing 44% year-on-year from ₹3,075 crore in FY25 to ₹4,426 crore in FY26, according to a press release.

As per the company, “Disbursements in Gujarat increased 35% from ₹1,807 crore to ₹2,444 crore during the same period. Within Gujarat, Ahmedabad recorded strong growth, with ABHFL’s portfolio outstanding in the city increasing 46% year-on-year from ₹2,198 crore in FY25 to ₹3,217 crore in FY26. Disbursements in Ahmedabad grew 34% from ₹1,400 crore in FY25 to ₹1,871 crore.”

Speaking on the opportunity, Pankaj Gadgil, MD & CEO, Aditya Birla Housing Finance Limited, said, “Ahmedabad continues to stand out as one of India’s most attractive housing markets, supported by affordability, infrastructure development, employment-led demand and the growth of new residential corridors. At ABHFL, our focus is to support this demand through a balanced portfolio, strong risk discipline and a customer-centric home loan journey. Gujarat remains an important growth market for us, and we see significant long-term opportunity to deepen our presence across the state.”

The company stated that in FY26, ABHFL delivered strong and broad-based growth across Home Loans, Loan Against Property and Construction Finance. The company’s Assets Under Management grew 53% year-on-year to ₹47,452 crore, while disbursements increased 44% to ₹25,332 crore. Profit Before Tax nearly doubled to ₹832 crore, supported by operating leverage and diversified growth across customer segments and geographies. As of March 2026, ABHFL serves over 1.32 lakh customers across India, with Gross Stage 3 assets declining to 0.44%, reflecting disciplined underwriting and asset quality focus. During the year, ABHFL also received a strategic investment of approximately ₹2,750 crore from Advent International, further strengthening its capital base.

“In FY26, the Prime segment contributed 53% of the company’s retail portfolio, while the Affordable segment accounted for 47%, enabling ABHFL to participate across both aspirational and inclusion-led housing demand. The company continues to deepen its presence across emerging customer segments through offerings such as Pragati Home Loans, Micro LAP and PMAY-linked solutions,” the company further said.

As per the company, Ahmedabad’s residential market continues to witness strong momentum. The city recorded 9,581 residential sales and 11,077 new launches in H1 2026. While Ahmedabad remains one of India’s most affordable major housing markets, demand is increasingly visible in the ₹50 lakh–₹1 crore segment, along with rising interest in premium homes. The continued development of GIFT City, metro connectivity and Ahmedabad’s diversified employment base are further strengthening housing demand across the region.