Aptus Value Housing Finance Latest Results: Profit up 26% to ₹943 crore
Aptus Value Housing Finance India Limited reported FY26 net profit of ₹943 crore, up 26% YoY, with AUM growing 21% to ₹13,107 crore. Shareholders approved financials, NCD issuance, and ESOP plans at the AGM held on August 04, 2026. Credit costs remained at 50 bps despite GNPA rising to 1.52%.
*this image is generated using AI for illustrative purposes only.
Aptus Value Housing Finance India Limited shareholders approved the company’s strong financial performance for FY26 at its 17th Annual General Meeting held on August 04, 2026. The meeting, conducted via video conferencing, saw members endorse audited financials showing a 21% year-on-year growth in Assets Under Management (AUM) to ₹13,107 crore and a 26% rise in net profit to ₹943 crore. The robust results reflect disciplined underwriting and broad-based disbursement growth, positioning the lender with a strengthened balance sheet as it enters FY27.
The proceedings were chaired by Executive Chairman M Anandan from Chennai, with Managing Director P Balaji presenting the operational highlights. The requisite quorum was present, and the meeting complied with Securities and Exchange Board of India (SEBI) Listing Regulations and Ministry of Corporate Affairs circulars. Statutory Auditors Sundaram & Srinivasan, Chartered Accountants, and Secretarial Auditors S Sandeep & Associates were represented by their authorized representatives. No qualifications or adverse observations were noted in the statutory or secretarial audit reports.
Financial Performance Highlights
During his address, P Balaji detailed the key metrics driving the company’s success in FY26. Disbursements grew by 11% to ₹4,009 crore, supported by a diversified business mix anchored in self-employed customers across Tier 3 and Tier 4 towns. Asset quality remained stable with credit costs contained within the guided range of 50 basis points, despite Gross Non-Performing Assets (GNPA) rising to 1.52% and Net NPAs to 1.15%, largely attributed to the NBFC subsidiary.
| Metric | Value | Change |
|---|---|---|
| AUM | ₹13,107 crore | +21% YoY |
| Disbursements | ₹4,009 crore | +11% YoY |
| Net Profit | ₹943 crore | +26% YoY |
| ROA | 7.9% | Stable |
| ROE | 20.1% | >20% sustained |
| Credit Cost | 50 basis points | Within guided range |
The company declared a dividend of ₹4.50 per share. Borrowing mix remained well-diversified at ₹7,874 crore, while digital adoption accelerated with 92% of loan agreements executed digitally and 94% of collections processed through digital channels.
Strategic Resolutions Approved
Shareholders passed several special resolutions critical to the company’s future capital structure and governance. Key approvals included fixing borrowing limits, creating charges on assets, and inviting subscriptions for Non-Convertible Debentures (NCDs) on a private placement basis. Additionally, members approved the Aptus Value Housing Finance India Limited Employee Stock Option Plan 2026 and the grant of options to employees of subsidiary companies.
Ms Mona Kachhwaha was re-appointed as an Independent Director. Independent Directors Anand Raghavan, Natarajan Ramasubramanian, and N.V. Subba Rao were present, while Ms Kachhwaha and Mr Mukul Mathur were absent due to business exigencies.
What the Numbers Show
The divergence between rising GNPA levels and stable credit costs indicates effective provisioning strategies rather than deteriorating core asset quality. With ROE sustained above 20% and a Capital to Risk-Weighted Assets Ratio (CRAR) of 71%, Aptus demonstrates strong capital efficiency. The expansion plan targeting 65–70 new branches in FY27, combined with a current network of 339 branches, suggests continued aggressive geographical penetration, particularly in Maharashtra and Odisha, leveraging its connector channel model.
Historical Stock Returns for Aptus Value Housing Finance
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -1.14% | -6.61% | -9.47% | -7.39% | -25.66% | -24.88% |
How might the planned expansion of 65–70 new branches in FY27 impact Aptus's credit costs and asset quality in the competitive Tier 3 and Tier 4 markets?
What are the potential implications for existing shareholders regarding dilution or capital structure changes from the approved private placement of Non-Convertible Debentures (NCDs)?
Given the GNPA rise attributed to the NBFC subsidiary, what specific risk mitigation strategies is management implementing to prevent further deterioration in that segment?
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