Aptus Value Housing Finance India Limited has announced its financial results for the quarter and reported strong growth across assets under management, income, and profitability.
The company’s assets under management (AUM) stood at Rs 13,107 crore as of March 2026, reflecting a 21 per cent year-on-year increase. Disbursements during Q4 FY26 rose 17 per cent year-on-year to Rs 1,242 crore, while total disbursements for FY26 reached Rs 4,009 crore, registering an 11 per cent increase over the previous year.
Total income for FY26 grew 25 per cent year-on-year to Rs 2,246 crore. Net profit for Q4 FY26 rose 26 per cent year-on-year to Rs 261 crore, while full-year net profit also increased 26 per cent to Rs 943 crore.
The company reported a Return on Assets (RoA) of 8.2 per cent and Return on Equity (RoE) of 21.2 per cent for Q4 FY26. For the full financial year, RoA stood at 7.9 per cent and RoE at 20.1 per cent, remaining among the strongest in the industry.
The board has also declared a dividend of Rs 2.5 per share.
Commenting on the results, P. Balaji, Managing Director, Aptus Value Housing Finance, said, “Q4FY26 saw a further strengthening of our growth momentum, aided by technology enhancements and ongoing process improvements, alongside continued focus on credit quality. AUM grew 21 per cent to Rs 13,107 Cr in Q4 FY26, driven by the highest-ever quarterly disbursements of Rs 1,242 Cr, reflecting growth of 21 per cent QoQ and 17 per cent YoY.”
He further added, “During the year, in line with our intent to on-board higher-quality customers, we discontinued sanctions below Rs 7 lakh. While this decision led to temporary moderation in disbursements in Q1 and Q2, we rebounded strongly in Q4. We witnessed this growth momentum continuing into April’26 as well. This has helped set a strong foundation for sustained business momentum and reinforced alignment of field execution with our policies.”
The company expanded its presence in Maharashtra and Odisha while strengthening operations in existing markets, taking its total branch network to 339. It plans to accelerate branch additions in FY27 to support future growth.
Digitisation remained a major focus area, with over 92 per cent of agreements executed digitally and 94 per cent of collections completed through digital channels. The company stated that increased use of account aggregator data and credit bureau insights is supporting underwriting quality and portfolio management.
On the asset quality front, Aptus reported improved collection efficiency during the quarter, resulting in lower 30+ DPD levels. The 30+ DPD metric declined sequentially by 27 basis points to 6.21 per cent. Gross NPA for FY26 stood at 1.52 per cent compared to 1.19 per cent in FY25, while Net NPA rose to 1.15 per cent from 0.89 per cent in the previous year.
The company’s spreads improved to 8.9 per cent during FY26, supported by a decline in borrowing costs to 8.3 per cent. Operating expenditure ratio increased marginally by 8 basis points year-on-year, while credit cost remained at 50 basis points within the guided range.
Looking ahead, Aptus Value Housing Finance expects to deliver 22–24 per cent AUM growth in FY27, supported by expansion into newer geographies, deeper market penetration, higher ticket sizes and improved productivity.
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