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Aptus Value Housing Finance India reported a 23.98% year-on-year rise in consolidated net profit for the third quarter of FY26, supported by steady income growth and controlled expenses. Total income increased by over 22%, while assets under management expanded by around 21%. Disbursements grew at a measured pace amid a shift towards higher-ticket loans. Asset quality remained stable, with gross and net NPAs largely unchanged. The company also continued to expand its branch network while maintaining strong liquidity and capital adequacy levels.
Aptus Value Housing Finance India recorded a strong financial performance for the quarter ended December 2025, with consolidated net profit rising 23.98% year-on-year to INR 236.18 crore, compared to INR 190.50 crore in the corresponding quarter of the previous financial year. The improvement in profitability was driven by higher income and steady operating efficiency. Advertisement
Total consolidated income during the quarter increased by 22.35% to INR 568.53 crore from INR 464.72 crore a year earlier. Operating profit grew at a faster pace, supported by stable operating costs and controlled credit expenses. The company's operating margin remained above 50%, reflecting continued discipline in cost management.
Assets under management stood at INR 12,330 crore at the end of the quarter, registering growth of around 21% on a year-on-year basis. Loan disbursements during the quarter reached INR 1,030 crore, showing an increase of about 11% compared to the same period last year. Cumulative disbursements for the first nine months of FY26 were around INR 2,768 crore, marking a growth of approximately 9%.
The company continued to focus on improving portfolio quality by reducing exposure to very small-ticket loans. It has stopped sanctioning loans below INR 7 lakh, a move that has moderated disbursement growth but improved overall loan mix. Management indicated that this shift is aimed at balancing growth with long-term asset quality.
Asset quality indicators remained largely stable. Gross non-performing assets were reported at around 1.19%, while net NPAs stood close to 0.90%. Credit costs for the quarter were in line with earlier guidance. The liquidity coverage ratio remained strong at about 195%, providing adequate cushion against near-term obligations.
As of the quarter end, the company's net worth was approximately INR 4,095 crore, with a debt-equity ratio of around 1.21. The branch network expanded to 335 locations across multiple states, supporting its presence in semi-urban and rural housing finance markets. Aptus Value has shown consistent quarterly profit growth over the past year, reflecting stable demand and cautious underwriting.
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