Aptus Value Housing Finance India Ltd
Investor Press release for the fourth Quarter and year ended as on 31st March 2026
RESULTS
▲ Positive Development
MEDIUM RISK
📅 Filed on BSE: 06 May 2026, 09:07 PM IST · BSE ID: bb1042d1-040d-4995-8c35-8085f5fbc0bc
View Original BSE Filing (PDF)
💡
In Simple Terms
The housing finance company announced its full-year financial results, showing increased assets, income, and profits.
🤖 AI Summary
- AUM as of March 31, 2026, reached 13,107 Cr, showing 21% growth year-on-year.
- FY26 disbursements were 4,009 Cr, marking an 11% increase compared to FY25.
- Total Income for FY26 stood at 2,246 Cr, up 25% year-on-year from FY25.
- Net Profit for FY26 was 943 Cr, reflecting a 26% growth year-on-year.
- Gross NPA for FY26 was 1.5%, while Net NPA was 1.2%.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Disbursements (FY26)
4,009 Cr
11%
Total Income (FY26)
2,246 Cr
25%
Net Profit (FY26)
943 Cr
26%
Gross NPA (%) (FY26)
1.5%
33 bps
Net NPA (%) (FY26)
1.2%
26 bps
RoA (%) (FY26)
7.9%
14 bps
RoE (%) (FY26)
20.1%
135 bps
🏢 How This Affects the Company
The company's Assets Under Management (AUM) grew by 21% year-on-year to 13,107 Cr, indicating expansion in its lending activities. Disbursements increased by 11% year-on-year for FY26, suggesting continued business generation.
Net Profit for FY26 increased by 26% year-on-year to 943 Cr. The company's Return on Assets (RoA) for FY26 was 7.9% and Return on Equity (RoE) was 20.1%.
Aptus expanded its branch network to 339, including new presences in Maharashtra and Odisha, supporting its growth strategy. Digital execution of agreements and collections remained high, at over 92% and 94% respectively.
Gross Non-Performing Assets (NPA) increased to 1.5% in FY26 from 1.2% in FY25, and Net NPA increased to 1.2% from 0.9%, indicating a slight deterioration in asset quality.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this press release.
👤
Who Is Affected
All shareholders are affected as this filing provides an update on the company's financial and operational performance for the fourth quarter and full financial year ended March 31, 2026.
🔍
Management Signal
Management indicates a focus on sustained AUM growth, technology enhancements, and branch network expansion for future growth.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q1 FY27 financial results — check AUM growth and asset quality trends
Further branch additions — confirm expansion in Maharashtra and Odisha
NCD issuance completion — watch for disclosure on Rs. 3,000 crores NCDs
MEDIUM RISK
An increase in both Gross and Net NPA percentages indicates a slight deterioration in asset quality.
💡 Investor Takeaway
Aptus Value Housing Finance reported FY26 Net Profit of 943 Cr, a 26% YoY increase, with Total Income at 2,246 Cr, up 25% YoY. AUM grew 21% YoY to 13,107 Cr. Gross NPA increased to 1.5% from 1.2% YoY.
⚖️ Strengths & Concerns
✅ Positives
- AUM increased by 21% year-on-year to 13,107 Cr as of March 31, 2026, demonstrating loan book expansion.
- Net Profit for FY26 grew by 26% year-on-year to 943 Cr, along with RoE of 20.1% for the full year.
⚠️ Concerns
- Gross NPA increased to 1.5% in FY26 from 1.2% in FY25, a 33 bps increase year-on-year.
- Net NPA increased to 1.2% in FY26 from 0.9% in FY25, a 26 bps increase year-on-year.
📅 Company Track Record
Aptus Value Housing Finance India Ltd. recently approved a dividend of Rs. 2.50 and a Rs. 3,000 crores NCD issuance on May 6, 2026. This follows the Board meeting held to approve FY26 results and the dividend. The company has a history of consistent financial disclosures.
Based on publicly available historical data. For context only.