Aptus Value Housing Finance Reports Strong FY26 Growth

Aptus Value Housing Finance India Ltd announced its audited financial results for the fiscal year ended March 31, 2026. The company posted a significant 26% year-on-year growth in Profit After Tax (PAT), reaching ₹943 crore for the full year. For the fourth quarter (Q4 FY26), PAT also climbed by 26% YoY to ₹261 crore.

Assets Under Management (AUM) expanded by 21% YoY to ₹13,107 crore, driven by record disbursements. These results highlight Aptus Value Housing's consistent growth trajectory, demonstrating its ability to expand its loan book and profitability simultaneously.

The company is expanding its geographic footprint, aiming to establish a stronger presence in new states such as Maharashtra and Odisha. This expansion is expected to be supported by an acceleration in branch additions planned for the upcoming fiscal year (FY27). The strategic focus on technology and operational efficiency, coupled with this expansion, points towards a scalable business model.

While AUM growth and digital adoption are strong points, investors are closely monitoring asset quality. Gross NPA increased to 1.52% from 1.19% in the previous year, and Net NPA rose to 1.15% from 0.89%. These figures indicate potential pressure on asset quality that warrants attention.

For FY27, shareholders can expect continued focus on AUM expansion, with a target of 22-24% growth. The company's strategic discontinuation of sanctions below ₹7 lakh is intended to onboard higher-quality customers, which may moderate short-term volume but improve long-term asset quality.

High digital adoption, with over 92% digital execution and 94% digital collections, should support operational efficiency and cost management.

Aptus Value Housing operates in a competitive housing finance segment. For context, peers like Aavas Financiers managed assets worth approximately ₹20,420 crore as of March 31, 2025. Can Fin Homes Ltd reported AUM of ₹42,209 crore by March 31, 2026. Aptus's AUM of ₹13,107 crore for FY26 demonstrates its strong growth relative to its current scale.

Investors will likely track the pace of branch network expansion in Maharashtra and Odisha during FY27, the AUM growth trajectory towards the 22-24% target, and the evolution of asset quality metrics, particularly Gross and Net NPA levels and provisioning. The success of discontinuing lower-value sanctions on overall portfolio quality and growth will also be a key focus.