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.

Aptus Value Housing Finance India Ltd filed its Business Responsibility and Sustainability Report (BRSR) for the financial year 2025-26 with the stock exchanges. The filing, submitted pursuant to Regulation 34(2)(f) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, outlines the company's performance across environmental, social, and governance parameters. The disclosures are made on a consolidated basis, covering the company and its wholly-owned subsidiary, Aptus Finance India Private Limited.

The report highlights the company's operational footprint, comprising 339 offices across 6 states and 1 Union Territory. It serves economically weaker, low, and middle-income customers through home loans and loans against property, which account for 98% of its turnover. The company employed 3,807 permanent employees as of the end of FY 2025-26, with women representing 2.23% of the workforce.

Environmental Performance

Aptus Value Housing Finance India Ltd disclosed its environmental impact metrics for the reporting period. The total energy consumed stood at 3,862.77 GJ, with energy intensity recorded at 1.76 Gj per rupee crore of turnover. The company reported total Scope 1 and Scope 2 greenhouse gas emissions of 701.31 metric tonnes of CO2 equivalent. Water consumption totalled 49,681.4 kilolitres, while the company generated 0.042 metric tonnes of e-waste, which was disposed of through an authorized partner.

Key Environmental Metrics

Social and Governance Disclosures

The company reported spending 0.25% of its total revenue on employee well-being measures. It maintained a zero-tolerance policy towards corruption and bribery, with no fines or penalties reported during the year. The Board of Directors approved all policies related to the National Guidelines on Responsible Business Conduct (NGRBC). The company received 240 customer complaints during the period, all of which were addressed through its grievance redressal mechanism.

Sundaram & Srinivasan, Chartered Accountants, provided reasonable assurance for the identified sustainability information, confirming that the data was prepared in all material respects in accordance with the criteria based on GRI Standards, GHG Protocol, and NGRBC.