Aptus Value Housing Finance India Limited announced its financial results for the second quarter and half year ended September 30, 2026. The company reported a net profit of ₹267 crore for Q2 FY27, an 18% year-on-year increase. Disbursements grew by 20% to ₹1,153 crore, and Assets Under Management (AUM) reached ₹14,177 crore, up 20% YoY.
Aptus Value Housing Finance Reports Strong Q2 FY27 Performance
Aptus Value Housing Finance India Limited, a prominent affordable housing finance company, has declared robust financial results for the second quarter and half year ended September 30, 2026. The company demonstrated significant year-on-year growth across key performance metrics, highlighting sustained business momentum.
Financial Highlights for Q2 FY27
In the second quarter of FY27, Aptus Value Housing Finance reported a net profit of ₹267 crore, marking an 18% increase compared to the same period last year. The company’s disbursements saw a healthy growth of 20% year-on-year, reaching ₹1,153 crore. Assets Under Management (AUM) as of September 2026 stood at ₹14,177 crore, also reflecting a 20% rise from the previous year.
The Net Income Margin for Q2 FY27 was ₹463 crore, up 19% YoY. For the half-year period (H1 FY27), total disbursements reached ₹2,206 crore, a 27% increase YoY. The H1 FY27 Net Income Margin was ₹904 crore, up 19% YoY, and the Net Profit for the half-year stood at approximately ₹528 crore, a 19% increase YoY.
Key Performance Metrics
The company’s key performance metrics demonstrate a strong operational and financial standing. The Return on Assets (RoA) and Return on Equity (RoE) were recorded at 7.7% and 20.1% respectively, which are noted as being among the best in the industry.
Key Performance Metrics (in ₹ Cr):
| Particulars | Q2 FY27 | Q2 FY26 | Y-o-Y | H1 FY27 | H1 FY26 | Y-o-Y |
| Disbursements | 1,153 | 963 | 20% | 2,206 | 1,738 | 27% |
| AUM | 14,177 | 11,767 | 20% | 14,177 | 11,767 | 20% |
| Net Income Margin | 463 | 389 | 19% | 904 | 758 | 19% |
| Net Profit | 267 | 227 | 18% | 528 | 446 | 19% |
| Gross NPA (%) | 1.7% | 1.6% | 13 bps | 1.7% | 1.6% | 13 bps |
| Net NPA (%) | 1.3% | 1.2% | 10 bps | 1.3% | 1.2% | 10 bps |
| Opex (%) | 2.8% | 2.7% | 18 bps | 2.8% | 2.7% | 11 bps |
| RoA (%) | 7.7% | 7.9% | -18 bps | 7.7% | 7.9% | -13 bps |
| RoE (%) | 20.1% | 20.0% | 8 bps | 20.1% | 20.0% | 10 bps |
Strategic Growth and Expansion
Mr. P. Balaji, Managing Director, commented that the Q2 FY27 results reflect continued improvement in business momentum, driven by steady execution of strategic growth initiatives and technology enhancements. The company is actively expanding its presence in Maharashtra and Odisha while deepening penetration in existing markets. With a total branch network of 397 branches, including 58 new branches opened during H1 FY27, Aptus Value Housing Finance is poised for continued growth.
Efforts to broaden sourcing channels and diversify the lending portfolio are gaining traction. The company is also focusing on increasing its Average Ticket Size (ATS) to strengthen portfolio quality and customer economics. Furthermore, Aptus Value Housing Finance is exploring opportunities beyond Home Loans and SME Loans to diversify its lending portfolio.
Asset Quality and Profitability
While collections were impacted by the NBFC business performance, leading to a slight increase in delinquencies, the underlying portfolio quality remains resilient. Initiatives are underway to strengthen the collection framework. The Gross NPA and Net NPA stood at 1.68% and 1.27% respectively. The company is confident in the normalisation of asset quality metrics by the end of FY27.
On the profitability front, spreads were at 8.9%, with an Opex ratio of 2.8% and credit cost at 0.7%. The net profit for the quarter translates to an RoA of 7.7% and an RoE of 20.1%.
Outlook
Given the progress on growth initiatives and the current operating environment, Aptus Value Housing Finance remains confident in achieving its AUM growth guidance of around 22% for FY27, while maintaining its outlook on spreads and operating costs.
Source: BSE
