While headlines chase big banks, Aptus Value Housing Finance is quietly building one of India’s most consistent and profitable affordable housing stories — and the numbers prove it.
Q4FY26 Results at a Glance
Aptus Value Housing Finance India Limited (NSE: APTUS | BSE: 543335) declared its financial results for Q4FY26 and full-year FY26 on May 7, 2026, reporting another strong quarter driven by technology-led growth, disciplined credit quality, and record disbursements.
| Metric | Q4 FY26 | Q4 FY25 | Y-o-Y Growth |
|---|---|---|---|
| AUM | ₹13,107 Cr | ₹10,865 Cr | +21% |
| Disbursements | ₹1,242 Cr | ₹1,064 Cr | +17% |
| Total Income | ₹594 Cr | ₹499 Cr | +19% |
| Net Profit | ₹261 Cr | ₹207 Cr | +26% |
| RoA | 8.2% | 7.9% | +36 bps |
| RoE | 21.2% | 19.7% | +153 bps |
| Gross NPA | 1.5% | 1.2% | +33 bps |
Full-Year FY26 Performance
For the full financial year FY26, the company reported net profit of ₹943 crore — up 26% from ₹751 crore in FY25. Total income for FY26 stood at ₹2,246 crore, growing 25% year-on-year. The company also declared a second interim dividend of ₹2.50 per equity share for FY26.
The RoA/RoE for FY26 came in at 7.9%/20.1% — among the best in the housing finance industry in India.
What’s Driving the Growth?
Record Disbursements: Q4FY26 saw the highest-ever quarterly disbursements of ₹1,242 crore — up 21% quarter-on-quarter and 17% year-on-year. A strong rebound after a deliberate moderation in H1 FY26, when the company stopped sanctioning loans below ₹7 lakh to focus on higher-quality customers.
Digital-First Operations: Over 92% of agreements are now executed digitally and 94% of collections happen through digital channels. Account aggregator data and credit bureau insights are actively improving underwriting quality — this is affordable housing finance running like a fintech.
Geographic Expansion: Aptus now operates 339 branches across Tamil Nadu, Telangana, Andhra Pradesh, Karnataka, Odisha, and Maharashtra — with accelerated branch additions planned for FY27 to support contiguous geographic expansion.
Improving Spreads: FY26 spreads improved to 8.9%, driven by a decline in cost of borrowings to 8.3% — a sign of strengthening funding efficiency even in a tight rate environment.
Asset Quality: A Nuanced Picture
Gross NPA rose modestly to 1.52% from 1.19% in FY25, and Net NPA moved to 1.15% from 0.89%. The company attributed this primarily to a slight increase in NPA from the NBFC segment — not from its core home loan book. Importantly, 30+ DPD improved sequentially, declining 27 bps to 6.21%, signalling improving collection momentum.
Credit cost for FY26 remained at 50 bps — well within the company’s guided range.
What’s Next: FY27 Outlook
MD P. Balaji expressed confidence in delivering 22–24% AUM growth in FY27, supported by deeper penetration in existing markets, expansion in Maharashtra and Odisha, higher average ticket sizes, and calibrated lending rates on incremental disbursements.
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FAQs
Q: What was Aptus Value Housing Finance’s net profit in Q4FY26?
Q: What is Aptus Value Housing Finance’s AUM growth target for FY27?
A: The company has guided for 22–24% AUM growth in FY27, backed by geographic expansion, higher ticket sizes, and continued technology-driven operational improvements.
