Financial Performance Highlights

Assets Under Management (AUM):

  • AUM as of June 30, 2026: ₹13,648 Cr
  • Year-over-Year Growth: 21%

Disbursements:

  • Q1 FY27 Disbursements: ₹1,053 Cr
  • Year-over-Year Growth: 36%

Income and Profitability:

  • Net Income Margin for Q1 FY27: ₹441 Cr
  • Year-over-Year Growth: 19%
  • Net Profit for Q1 FY27: ₹261 Cr
  • Year-over-Year Growth: 19%
  • Return on Assets (RoA): 7.8%
  • Return on Equity (RoE): 20.4%
  • Net Spreads: 9.0%
  • Opex Ratio: 2.7%
  • Credit Cost for the quarter: 0.6%

Asset Quality Metrics

  • 30+ Days Past Due (DPD): 6.87%
  • Gross Non-Performing Assets (GNPA): 1.70%
  • Net Non-Performing Assets (NNPA): 1.29%

Operational and Strategic Updates

Branch Network Expansion:

  • Total branches: 372 (added 33 branches during Q1 FY27)
  • Planned expansion: 25 additional branches in Q2 FY27
  • Geographic presence: Tamil Nadu, Telangana, Andhra Pradesh, Karnataka, Odisha, Maharashtra
  • Customer base: Over 1.93 lakh customers

Business Diversification:

  • Evaluating opportunities to expand lending portfolio beyond Home Loans and SME Loans
  • Focus on increasing Average Ticket Size (ATS) to enhance portfolio quality
  • Diversifying sourcing channels through connector network expansion and digital marketing initiatives

Digital Transformation:

  • 92% of agreements executed digitally
  • 94% of collections through digital channels
  • Using account aggregator data and credit bureau insights to strengthen credit assessment

Geographic Performance:

  • Strengthened presence in Maharashtra and Odisha with encouraging business traction
  • Expanding presence in existing markets
  • Branches opened during FY26 are now contributing meaningfully to business growth

Management Commentary:

Mr. P. Balaji, Managing Director, stated that Q1 FY27 saw further improvement in business momentum supported by:

  • Steady execution of strategic growth initiatives
  • Ongoing technology enhancements and process improvements
  • Onboarding higher-quality customers with improving quality
  • Business momentum from Q1 FY27 has carried into July 2026

Guidance and Outlook:

  • Maintaining FY27 AUM growth guidance of 22-24%
  • Confident in delivering guidance based on progress during the quarter and strong execution of growth strategies
  • Credit cost of 0.6% is in line with company guidance

Company Overview:

Aptus Value Housing Finance India Limited is a profitable affordable housing finance company offering:

  • Home loans for purchase and self-construction of residential property
  • Home improvement and extension loans
  • Loan against property
  • Business loans to low and middle-income groups