Aptus Value Housing Finance India Limited has announced its unaudited financial results for the second quarter ended September 30, 2026. The company has provided an investor presentation detailing key financial highlights and operational performance for the period. This presentation is available on the company website and has been filed with the stock exchanges as per SEBI regulations.
Investor Presentation for Q2 FY27 Released
Aptus Value Housing Finance India Limited has officially released its investor presentation for the second quarter and first half of the financial year ending September 30, 2026. This document provides a comprehensive overview of the company’s financial performance and operational highlights during the period.
Key Financial and Operational Metrics
The presentation, available on the company’s investor relations website at https://www.aptusindia.com/investors-presentation/, details the unaudited financial results. This disclosure adheres to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, ensuring stakeholders are informed of the company’s progress.
Consolidated Snapshot
The H1 FY27 consolidated snapshot reveals key business metrics such as Disbursement reaching ₹2,206 Cr (+27% YoY), AUM at ₹14,177 Cr (+20% YoY), and Net-Worth at ₹5,467 Cr (+17% YoY). Profitability indicators include PPOP at ₹715 Cr (+17% YoY) and PAT at ₹528 Cr (+19% YoY). Asset quality metrics show GNPA at 1.68% and NNPA at 1.27%.
Standalone HFC Performance
The standalone HFC performance for H1 FY27 shows AUM of ₹10,086 Cr (+20% YoY) and Disbursement of ₹1,526 Cr (+35% YoY). Net-Worth stood at ₹4,547 Cr (+13% YoY), with PPOP at ₹509 Cr (+10% YoY) and PAT at ₹393 Cr (+10% YoY). GNPA was reported at 1.48%.
NBFC Performance
For the NBFC segment in H1 FY27, AUM was ₹4,091 Cr (+22% YoY), and Disbursement was ₹680 Cr (+12% YoY). Net-Worth was ₹1,078 Cr (+38% YoY), with PPOP at ₹205 Cr (+21% YoY) and PAT at ₹135 Cr (+18% YoY). GNPA stood at 2.17%.
Key Growth Strategies
The company outlines its key growth strategies focusing on continued growth in the Home Loan and Small Business Loan segments, deepening presence in existing states, strengthening sourcing and product portfolio, and maintaining a continued focus on productivity and credit cost.
Historical Performance Overview
Historical data shows consistent growth in AUM from ₹4,068 Cr in FY21 to ₹14,177 Cr in H1 FY27, with a CAGR of 26%. Profit After Tax has also seen a significant increase, growing at a CAGR of 29% over the same period. ROE consistently remained above 20.0%.
Asset Quality and Cost Efficiency
The presentation highlights a focus on asset quality with GNPA maintained at manageable levels. Operating costs remain efficient, with Opex to Average AUM at around 2.5-2.8% and Cost to Total Income around 13.8-15.5%.
Funding and Capital Adequacy
Aptus Value Housing Finance maintains a diversified and balanced funding mix, with Term Loans constituting 63.7% of its sources. The company also reports a robust funding profile with a credit rating of (ICRA) AA Stable / (CARE) AA Stable and a comfortable liquidity position. Capital Adequacy is strong at 69.2% as of September 30, 2026.
Investor Base and Governance
The company has a diverse investor base, with the Founder Promoter holding 23.9%, DIIs holding 27.8%, FIIs & FPIs holding 30.5%, and Public & Others holding 17.8% as of September 30, 2026. Aptus emphasizes its strong corporate governance, resilient leadership, and a professional management team with extensive experience in the financial services sector.
Sustainability Initiatives
Sustainability efforts focus on Financial Inclusion, Sustainable Practices, Customer-Centric Social Impact, Employee Welfare, Strong Corporate Governance, and Regulatory & Risk Compliance. The company has received a CRISIL ESG Rating of Strong.
Source: BSE
