• Aptus Housing Finance’s profit rose 26 percent


• 239 crore revenue in the third quarter

Mumbai, February – 2026: Aptus Value Housing Finance India Limited, a leading housing finance company, has announced its financial results for the quarter and nine months ended December 31, 2025.

Performance characteristics

AUM stood at Rs 12,330 crore till December 2025, a year-on-year growth of 21 per cent. Disbursements in the third quarter of FY26 stood at Rs 1,030 crore with a year-on-year growth of 11 per cent. Disbursements in the nine months of FY26 stood at Rs 2,768 crore with an annual growth of 9 per cent. Total revenue for the third quarter of FY26 was Rs 569 crore with a year-on-year growth of 22 percent. Total revenue for the nine months of FY26 was Rs 1,652 crore with a year-on-year growth of 27 percent.

Net profit* for the third quarter of FY26 was Rs 239 crore with a growth of 26 per cent YoY. Net profit* for the nine months of FY26 was Rs 685 crore, up 26 percent YoY.

ROA and ROE for the third quarter of FY26 were 7.9 percent and 20.2 percent respectively. ROA and ROE for the nine months of FY26 were 7.9 percent and 20.0 percent respectively, which were the best in the industry.

Excluding additional cost due to new labor code, previous service cost Rs.3.85 crore (net after tax Rs.2.99 crore).

Key performance characteristics

(Rs. Crores)

Details

Third Quarter of FY26

Third quarter of FY25

Annual growth

Ninth month of financial year 26

Ninth month of FY25

Annual growth

AUM

12,330

10,226

21 percent

12,330

10,226

21 percent

Distribution

1,030

930

11 percent

2,768

2,540

9 percent

Gross Income

569

465

22 percent

1,652

1,305

27 percent

Net profit

239*

191

26 percent

685*

544

26 percent

Gross NPA (Percentage)

1.6 percent

1.3 percent

28 bps

1.6 percent

1.3 percent

28 bps

Net NPA (Percentage)

1.2 percent

1.0 percent

22 bps

1.2 percent

1.0 percent

22 bps

Opex (Percentage)

2.7 percent

2.6 percent

16 bps

2.7 percent

2.6 percent

5 bps

ROA (Percentage)

7.9 percent

7.7 percent

28 bps

7.9 percent

7.7 percent

18 bps

ROE (Percentage)

20.2 percent

18.8 percent

147 bps

20.0 percent

18.5 percent

150 bps

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Excluding additional cost due to new labor code, previous service cost Rs.3.85 crore (net after tax Rs.2.99 crore)

Expressing his opinion about these results, the Managing Director Mr. P. Balaji said, “Growth momentum continued in Q3FY26, supported by steady business growth and vigilant portfolio management. AUM grew 21% yoy to Rs 12,330 crore in Q3FY26, while distribution grew 11% yoy to Rs 1,030 crore. reached

We expanded our network to 335 branches during the calendar year, creating a presence in 37 new locations. Going forward the focus will be on branch expansion in new states, as well as increasing presence in selected under-reached areas of existing states.

In terms of asset quality, gross NPAs and net NPAs remained stable at 1.56 per cent and 1.18 per cent respectively. Seasonal fluctuations in collections (including the festive season) led to a slight increase in over 30 DPDs, which reached 6.48 per cent.

In terms of profitability, total revenue grew by 27 percent year-on-year to Rs 1,652 crore in the nine months of FY26. Our spreads improved to 8.9 per cent in 9MFY26 on the back of 8.4 per cent reduction in funding costs. Opex ratio remained stable at 2.7 per cent in 9MFY26, leading to operating profit growth of 28 per cent YoY to Rs 933 crore. Credit cost for 9M FY26 remained stable at 50 bps within our forecast range.

Net profit* for the quarter stood at Rs 239 crore, up 26 per cent year-on-year. ROA and ROE for the quarter stood at 7.9 percent and 20.2 percent respectively. Net profit* for the nine months of FY26 stood at Rs 685 crore, a growth of 26 per cent YoY, with growth in ROA and ROE of 7.9 per cent and 20.0 per cent respectively, the best in the industry. This performance reflects the support of a diverse product portfolio and broad customer base across product segments, which provides balance and stability during market fluctuations.

Technology and data-centric decision-making have been critical factors for our growth and risk discipline, which has helped us expand globally across various geographies. We are at the forefront of digitisation, where over 92 per cent of contracts are done digitally and over 94 per cent of collections are done through digital channels. Increasing use of account aggregator data and credit bureau information is making our loan approval process more accurate. This is improving portfolio quality, fueling growth in larger loans and a viable customer base.

Over the last few quarters we have been expressing our intention to shift towards the bulk loan segment to build a higher quality customer base. Following this policy we have closed loan sanction below Rs 7 Lakh, which has seen some reduction in loan disbursements this year. Even so, we expect AUM to grow by 20 to 21 percent in the current financial year. Going forward we expect 22-24 per cent growth in AUM with new branch additions, channel expansion, higher ATS, marginal growth in home loan interest without compromising on NIM and improved productivity.”

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