Aptus Value Housing Finance has released an investor presentation regarding the unaudited financial results for the second quarter, ending September 30, 2025. The presentation highlights the company’s performance in key areas such as business growth, asset quality, and profitability. Key metrics, strategic initiatives, and future outlook are discussed.
Resilient Quarter Driven by Growth
Aptus Value Housing Finance reported a strong Q2 FY26, driven by consistent growth, profitability, and effective portfolio management. Disbursements increased by 24% QoQ to ₹963 Cr, supported by steady demand. AUM grew by 22% YoY to ₹11,767 Cr.
Network Expansion
The company expanded its network to 321 branches, adding 20 new locations in Q2. Focus remains on scaling in Maharashtra and Odisha, deepening presence in select under-penetrated pockets, and steady growth in established areas.
Asset Quality
There was a marginal rise in delinquency, leading to a 6 bps increase in GNPAs to 1.55%, while NNPA stood at 1.17%. The 30+ delinquency improved to 6.34%, reflecting better collection efficiency.
Profitability
Total income growth for the quarter was 27% YoY to ₹554 Cr. Spreads improved to 8.9%, while Opex remained flattish at 2.7%, leading to an operating profit growth of 27% YoY to ₹312 Cr. Profits for the quarter came in at ₹227 Cr, growing at 24% YoY. The half-year profit was ₹446 Cr, growing at 26% YoY. RoA/RoE for the quarter came in at 7.9%/20.0% respectively.
Digital Adoption
The company continues to lead in digital adoption, achieving >90% digital agreements and >95% digital collections. Enhanced usage of account aggregator framework and bureau inputs strengthens underwriting.
Credit Rating Upgrade
Long-term credit rating was upgraded to [ICRA]AA (Stable), recognizing the company’s robust asset quality, prudent risk management, and strong capitalization. Both ICRA and CARE now rate the long-term credit profile at AA (Stable).
Shareholder Base
During the year, the company broadened its shareholder base and further diversified its institutional shareholding, enhancing market liquidity and strengthening participation from long-term investors.
Future Outlook
With a vision to reach ₹25,000 Cr AUM in the medium term, the company aims to sustain 25%+ growth.
Source: BSE
