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Aptus Value Housing Finance India posted a 27.66% year-on-year rise in net profit to INR 219.25 crore for Q1 FY26, with total income climbing 31% to INR 530.14 crore. Assets under management grew 24% to INR 11,267 crore, while disbursements reached INR 775 crore. Over 90% of customer agreements and 94% of collections were digital. Operating profit after tax rose 31% to INR 296 crore, with stable spreads and moderate expenses. Though NPAs rose slightly to 1.49%, credit costs remained within target. The company reaffirmed its digital-first strategy and aims to grow AUM to INR 25,000 crore by FY29. CARE upgraded its credit rating outlook to 'AA; Stable'.
Aptus Value Housing Finance India reported that its consolidated net profit rose by 27.66 per cent year-on-year to INR 219.25 crore in the first quarter of the 2025-26 financial year. Total income climbed by 31.02 per cent to INR 530.14 crore, attributed to improved net interest income and fee-based revenues. Advertisement
The company's assets under management reached INR 11,267 crore, marking a 24 per cent rise compared to the same period last year. Disbursements during the quarter amounted to INR 775 crore, reflecting a growth of approximately 15 per cent. The customer base expanded to 1.65 lakh individuals, supported by 301 branches across operational regions. Management stated that over 90 per cent of customer agreements were executed digitally, and 94 per cent of collections were carried out through digital channels.
It was indicated that the company's spreads remained strong at 8.7 per cent, while operating expenses stood at a modest 2.7 per cent. Operating profit after tax rose by around 31 per cent to INR 296 crore. There was a seasonal rise in delinquencies, and gross non-performing assets increased slightly to 1.49 per cent. However, credit cost remained within the guided range of 38 to 45 basis points.
The company reaffirmed its focus on digital initiatives and network expansion, expressing confidence in achieving an AUM target of INR 25,000 crore by FY29. Aptus also received a credit rating upgrade from CARE, which revised its outlook from 'CARE AA-; Positive' to 'CARE AA; Stable', based on stronger financial performance and healthy asset quality.
The company's emphasis on digital operations and disciplined cost control helped support strong growth in income and disbursements. With strategic expansion plans and an upgraded credit rating, Aptus appears poised to maintain its growth trajectory while working towards its medium-term AUM goals. The firm's ability to balance operational efficiency with portfolio quality will likely remain central to its ongoing performance.
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