NEW DELHI, Nov. 9 -- As concerns mount over the potential impact of El Niño on rural incomes and borrowers' repayment capacity, Aadhar Housing Finance Ltd is counting on its limited exposure to vulnerable districts to cushion its loan book. Around 6% of its assets under management (AUM) is in districts identified as highly vulnerable to the weather phenomenon, managing director and chief executive officer Rishi Anand said in an interview with Mint.

The company is closely monitoring collection trends and repayment behaviour in these regions but does not currently expect a significant impact on its portfolio.

"The good part is that out of the 80 districts which are said to be heavily impacted (by El Niño), we are present in only...