Aptus Value Housing Finance India Limited has reported strong financial results for the fourth quarter and full financial year ended March 31, 2026. The company achieved a 26% year-on-year growth in net profit for both the quarter and the full year, reaching ₹261 crore and ₹943 crore respectively. Total Assets Under Management (AUM) grew by 21% to ₹13,107 crore, supported by record quarterly disbursements of ₹1,242 crore.
Financial Performance Highlights
The company demonstrated robust financial health throughout FY26. Total income for the year grew by 25% year-on-year to ₹2,246 crore. Profitability remained strong with a quarterly Return on Assets (RoA) of 8.2% and a Return on Equity (RoE) of 21.2%. For the full year, the company posted an RoA of 7.9% and an RoE of 20.1%, positioning the firm as a leader in terms of industry-standard efficiency.
Strategic Growth and Operational Expansion
Aptus expanded its operational footprint to a network of 339 branches across 7 states and union territories. The growth strategy, focused on contiguous expansion, saw particularly strong performance in new markets like Maharashtra and Odisha. Management highlighted that the record disbursement volume in Q4 reflects a successful rebound following a strategic decision earlier in the year to discontinue smaller sanctions and focus on higher-quality customer segments.
Technology and Asset Quality
The company continues to prioritize digital transformation, with over 92% of agreements executed digitally and 94% of collections processed through digital channels. On the asset quality front, the firm closed the year with a Gross NPA of 1.52%. While asset quality metrics showed a slight increase compared to the previous year, the company maintained an Expected Credit Loss (ECL) of 1.03% and continues to emphasize a credit-focused culture to maintain long-term portfolio stability.
Future Outlook for FY27
Looking ahead, Aptus remains confident in sustaining its momentum. The company has guided for 22-24% AUM growth in FY27. This projected expansion will be driven by continued geographic penetration, channel augmentation, and an increase in average ticket sizes, supported by a healthy capital base and diversified funding sources.
Source: BSE
