Aptus Value Housing Finance India Limited, a prominent housing finance company, has announced its financial results for the fourth quarter and the fiscal year ending March 31, 2026, showcasing significant growth across various metrics.
The company’s Assets Under Management (AUM) reached ₹13,107 crore as of March 6, marking a 21% year-on-year increase. Disbursements for the fourth quarter of FY26 amounted to ₹1,242 crore, reflecting a 17% growth compared to the same period last year. For the entire fiscal year, disbursements totalled ₹4,009 crore, up by 11% year-on-year.
Aptus Value Housing Finance reported a total income of ₹2,246 crore for FY26, representing a 25% increase from the previous year. The net profit for the fourth quarter stood at ₹261 crore, a 26% rise from the corresponding quarter in the previous year. Similarly, the net profit for the fiscal year reached ₹943 crore, also a 26% year-on-year growth.
The company’s Return on Assets (RoA) and Return on Equity (RoE) for the fourth quarter were recorded at 8.2% and 21.2%, respectively. For the full fiscal year, RoA was at 7.9%, and RoE at 20.1%, positioning the company among the top performers in the industry.
Gross Non-Performing Assets (NPA) stood at 1.5%, up by 33 basis points from the previous year, while Net NPA increased by 26 basis points to 1.2%. Operating expenses (Opex) rose slightly, with a year-on-year increase of 8 basis points to 2.7%.
Managing Director P. Balaji highlighted the company’s strategic focus on technology enhancements and process improvements, which have strengthened growth momentum and credit quality. The company expanded its presence in Maharashtra and Odisha, increasing its branch network to 339, and plans further expansion in FY27.
Digitalisation efforts remain robust, with over 92% of agreements executed digitally and 94% of collections through digital channels. The use of account aggregator data and credit bureau insights is enhancing underwriting and portfolio quality.
Looking ahead, Aptus Value Housing Finance is confident of achieving 22-24% AUM growth in FY27, supported by geographic expansion, channel augmentation, and improved productivity.
Disclaimer: This article is based on a regulatory filing submitted to the National Stock Exchange of India (NSE).