Aptus Value Housing Finance Q3 FY26 PAT up 26 per cent YoY to ₹239 crore

Chennai, February 5, 2026: Aptus Value Housing Finance India Limited has declared its financial results for the quarter and nine months ended December 31, 2025.

Performance Highlights

• AUM as of Dec’25 was at INR 12,330 Cr, growth of 21 per cent Y-o-Y.
• Disbursements in Q3 FY26 were at INR 1,030 Cr, growth of 11 per cent. 9M FY26 disbursements were at INR 2,768 Cr, growth of 9 per cent Y-o-Y.
• Total Income for Q3 FY26 was at INR 569 Cr, growth of 22 per cent. 9M FY26 total Income was at INR 1,652 Cr, growth of 27 per cent Y-o-Y.
• Net Profit* for Q3 FY26 was at INR 239 Cr, growth of 26 per cent. 9M FY26 Net Profit* was at INR 685 Cr, growth of 26 per cent Y-o-Y.
• The RoA/RoE for Q3 FY26 was at 7.9 per cent/20.2 per cent. The RoA/RoE for 9M FY26 was at 7.9 per cent/20.0 per cent, amongst the best in the industry.

Commenting on the results, P. Balaji, Managing Director, said, “Q3 FY26 sustained the sequential momentum, aided by stable business growth and prudent portfolio management. AUM grew 21 per cent YoY to INR 12,330 crore in Q3 FY26, driven by disbursements growth of 11 per cent to INR 1,030 crore.

“We expanded our network to 335 branches, adding 37 new locations during the calendar year. Going forward, our branch expansion will be focused on new states, deepening presence in select under-penetrated pockets within existing states.

“On the asset quality front, Gross NPA and Net NPA remained flat sequentially at 1.56 per cent and 1.18 per cent, respectively. 30+ DPD saw a slight uptick to 6.48 per cent, due to seasonal volatility in collections (including around festive periods).

“On the profitability side, the total income grew 27 per cent YoY to INR 1,652 crore, in 9M FY26. Our spreads for 9M FY26 improved to 8.9 per cent, driven by decline in cost of funds to 8.4 per cent. The Opex ratio remained largely flattish in 9M FY26 to 2.7 per cent, leading to an operating profit growth of 28 per cent YoY to INR 933 crore. The credit cost for the 9M FY26 remained at 50 bps, within our guided range.

“The net profit for the quarter came in at INR 239 crore, growth of 26 per cent YoY. The RoA/RoE for the quarter came in at 7.9 per cent/20.2 per cent respectively. The net profit for the 9M FY26 came in at INR 685 crore, growth of 26 per cent YoY, translating to an RoA/RoE of 7.9 per cent/20.0 per cent respectively, among the best in the industry. This performance is underpinned by a well-diversified product portfolio and a broad customer base across income segments, which together provide balance and resilience across market cycles.

“Technology and data-led decisioning remain key enablers of our growth and risk discipline, helping us scale reliably across geographies. We continue to stay ahead on digitization, with over 92 per cent of agreements executed digitally and more than 94 per cent of collections routed through digital channels. Increased adoption of account aggregator data and credit bureau insights is sharpening our underwriting, improving portfolio quality, and supporting growth in higher-ticket, stronger customer cohorts.

“Over the past couple of quarters, we have been indicating our intent to move towards a higher-ticket segment to build a higher-quality customer base. In line with this, we discontinued sanctions below INR 7 lakh, which has led to some moderation in disbursements this year. Despite this, we expect to close the current year at 20-21 per cent AUM growth. Looking ahead, we expect to deliver sustainable AUM growth of 22–24 per cent, driven by new branch additions, channel augmentation, higher ATS, calibrated lending rate on incremental home loans without compromising on NIMs & improved productivity.”