Aptus Value Housing Finance India Limited announced its financial results for the first quarter ended June 30, 2026. The company reported a 19% year-over-year increase in net profit, reaching ₹261 crore. Assets Under Management (AUM) grew by 21% to ₹13,648 crore, driven by a 36% surge in disbursements to ₹1,053 crore, indicating robust business momentum.
Aptus Housing Finance Reports Robust Q1 FY27 Performance
Aptus Value Housing Finance India Limited has released its financial results for the first quarter of Fiscal Year 2027, ending June 30, 2026. The company showcased significant growth across key performance metrics, demonstrating a strong start to the fiscal year.
Financial Highlights for Q1 FY27
The company’s Assets Under Management (AUM) as of June 2026 stood at ₹13,648 crore, marking a substantial 21% growth year-over-year. Disbursements in the first quarter of FY27 were reported at ₹1,053 crore, indicating a 36% increase compared to the same period last year. This strong disbursement growth contributed to a 19% rise in Net Income Margin, which reached ₹441 crore.
Net Profit for Q1 FY27 saw a similar 19% year-over-year increase, totaling ₹261 crore. The company also highlighted its strong return metrics, with RoA at 7.8% and RoE at 20.4%, positioning them favorably within the industry.
Operational Performance and Strategy
Mr. P. Balaji, Managing Director of Aptus Value Housing Finance India Limited, commented on the results, stating that the first quarter of FY27 witnessed enhanced business momentum, supported by strategic growth initiatives and technological advancements. He noted that the AUM growth was propelled by strong disbursements, reflecting healthy expansion.
The company emphasized its strategic focus on onboarding higher-quality customers, citing the discontinuation of loans below ₹7 lakh as yielding positive results. Aptus also reported strengthening its presence in Maharashtra and Odisha and expanding within existing markets. The addition of 33 new branches during the quarter brought the total network to 372 branches, with plans to open another 25 in Q2 FY27.
Further diversification of sourcing channels through an expanded connector network and digital marketing initiatives is underway. The company is also exploring opportunities to broaden its lending portfolio beyond home loans and SME loans.
Asset Quality and Profitability
While collection efficiency experienced a slight seasonal impact leading to a sequential increase in delinquencies and NPAs, the underlying credit quality of the portfolio is described as resilient. The 30+ DPD stood at 6.87%, with GNPA at 1.70% and Net NPA at 1.29%. Profitability remained strong, with healthy net spreads of 9.0% and an Opex ratio of 2.7%. Credit costs were in line with guidance at 0.6%.
Aptus Value Housing Finance India Limited expressed confidence in delivering its FY27 AUM growth guidance of 22-24%, while maintaining its guidance on spreads, operating, and credit costs.
Source: BSE
