Aptus Value Housing Finance India Limited reported robust growth for the fiscal year ended March 31, 2026. The company achieved a 21% year-on-year growth in Assets Under Management (AUM) to ₹13,107 crore. Driven by strong operational performance, net profit for the year surged by 26% to ₹943 crore. The company continues to maintain strong profitability, reporting an RoA of 7.9% and an RoE of 20.1% for the full year.
Financial Highlights for FY26
The company delivered a solid performance throughout the financial year 2026. Total income for the year climbed to ₹2,246 crore, representing a 25% increase compared to the previous year. In the fourth quarter, Aptus recorded a net profit of ₹261 crore, marking a 26% year-on-year growth. These figures underscore the company’s ability to maintain high margins despite evolving market conditions, with return metrics remaining among the best in the housing finance industry.
Strategic Growth and Operational Metrics
Aptus successfully expanded its operational footprint, reaching a total of 339 branches across states including Maharashtra and Odisha. The company’s focus on technology-led decisioning remains a key driver for efficiency, with over 92% of agreements executed digitally. During the year, the company refined its portfolio by prioritizing higher-quality customers, which led to a strategic, temporary moderation in disbursements earlier in the year, followed by a strong rebound in the final quarter.
Asset Quality and Future Outlook
The company continues to emphasize robust credit quality. While the GNPA closed the year at 1.52%, the organization saw sequential improvement in collection efficiency and a decline in 30+ DPD levels. Looking ahead, management remains optimistic, providing a growth guidance of 22-24% in AUM for FY27. This expected expansion will be supported by continued geographic penetration, channel augmentation, and a strategic focus on higher ticket sizes.
Source: BSE
