Aptus Value Housing Finance reported a 19% year-on-year increase in consolidated net profit to ₹26,094.10 lakh for the quarter ended June 30, 2026 (Q1FY27), driven by an 8.3% surge in total income from operations to ₹60,028.55 lakh. The housing finance company maintained robust profitability with earnings per share (EPS) rising to ₹5.21 from ₹4.39 in the corresponding period of FY26. On July 31, 2026, the Board of Directors approved the unaudited standalone and consolidated financial results pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Financial Performance

Consolidated net profit for the period after tax stood at ₹26,094.10 lakh, up from ₹21,925.15 lakh in Q1FY26. Total income from operations grew to ₹60,028.55 lakh from ₹52,026.04 lakh year-ago. The company’s operational efficiency remained stable, with credit costs contained and net spreads supporting top-line growth. Standalone net profit also rose 24.5% to ₹19,272.28 lakh from ₹15,472.73 lakh, with standalone income from operations reaching ₹41,784.01 lakh.

Balance Sheet and Capital Structure

The company’s net worth increased to ₹519,779.96 lakh from ₹441,435.12 lakh in Q1FY26, driven by retained earnings and reserves growth to ₹509,764.11 lakh. Paid-up debt capital/outstanding debt rose to ₹823,604.97 lakh from ₹710,075.49 lakh, resulting in a debt-equity ratio of 1.58, slightly improved from 1.61 in the previous year. Paid-up equity share capital remained stable at ₹10,015.85 lakh.

What the Numbers Show

The divergence between robust volume growth and stable cost ratios highlights effective scale economics. While total income surged 8.3% year-on-year, the net profit grew at a faster pace of 19%, indicating operating leverage. The slight improvement in the debt-equity ratio to 1.58 from 1.61 suggests prudent capital management amidst expanding loan books. Management’s confidence in achieving its FY27 AUM growth guidance remains intact, supported by strong disbursement trends and digital adoption across its branch network.

Source: https://lodr-files.dhan.co/lodr-inputs/Company/INE852O01025/20479671-05d1-47c7-8960-3a2a0af49f77.pdf

Aptus Value Housing Finance India Limited has reported a Profit After Tax (PAT) of ₹943 crore for the financial year ended March 31, 2026, representing a 26% increase over the prior year's ₹751 crore. This growth was driven by a 21% year-on-year expansion in Assets Under Management (AUM) to ₹13,107 crore and a 27% rise in net income to ₹1,597 crore. The company's Return on Equity crossed 20% for the first time, closing at 20.1%, while the cost of borrowings declined by 40 basis points to 8.3% following an AA rating upgrade.

FY26 Financial Performance

The company maintained an Opex-to-AUM ratio of 2.7%, within its guided range of 2.6%–2.8%. The five-year PAT CAGR stands at 29% and the five-year AUM CAGR at 26%. Both ICRA and CARE upgraded the company's long-term credit rating to AA (Stable) from AA- during the year. As of March 2026, borrowings were diversified across 57% from banks, 16% through Non-Convertible Debentures (NCDs), 9% from the National Housing Bank (NHB), and 18% through securitisation and direct assignment transactions. The Capital to Risk-weighted Assets Ratio (CRAR) stood at 71%, more than four times the regulatory minimum.

17th AGM Notice and E-Voting

The 17th Annual General Meeting (AGM) is scheduled for August 04, 2026, at 11:00 AM IST through Video Conferencing (VC) and Other Audio-Visual Means (OAVM). The notice and Annual Report for FY 2025-2026 were sent electronically on July 13, 2026. Shareholders will vote on special resolutions to increase borrowing powers to ₹12,000 crore and approve the issuance of NCDs aggregating up to ₹3,000 crore on a private placement basis. The Board has also proposed the Aptus Employee Stock Option Plan 2026 for up to 30,00,000 options and the re-appointment of Ms. Mona Kachhwaha as an Independent Director for a second term of two years commencing from May 05, 2026.

The remote e-voting period commences on August 01, 2026, at 09:00 AM and concludes on August 03, 2026, at 05:00 PM. Shareholders whose names appear on the Register of Members as on the record date, July 29, 2026, are eligible to vote. Mr. S. Sandeep, Practising Company Secretary, has been appointed as the Scrutinizer for the e-voting process. The disclosure was signed by Sanin Panicker, Company Secretary & Compliance Officer, on July 13, 2026, pursuant to Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.