Aptus Value Housing Finance Reports 19% Growth in Q1 FY27 Profit, AUM Crosses ₹13,600 Crore
Aptus Value Housing Finance India Limited reported a strong financial performance for the quarter ended June 30, 2026 (Q1 FY27), driven by healthy loan growth, higher disbursements, and continued branch expansion. The affordable housing finance company posted a 19% year-on-year (YoY) increase in net profit to ₹261 crore, compared with ₹219 crore in the corresponding quarter last year.
The company also recorded robust growth in its Assets Under Management (AUM), while maintaining healthy profitability and expanding its presence across key markets.
Q1 FY27 Financial Highlights
Aptus Value Housing Finance delivered strong growth across key financial parameters during the quarter.
| Particulars | Q1 FY27 | YoY Growth |
|---|---|---|
| Net Profit | ₹261 crore | ▲ 19% |
| Assets Under Management (AUM) | ₹13,648 crore | ▲ 21% |
| Loan Disbursements | ₹1,053 crore | ▲ 36% |
| Net Income Margin | ₹441 crore | ▲ 19% |
| Return on Assets (ROA) | 7.80% | Healthy |
| Return on Equity (ROE) | 20.35% | Strong |
| Net Spread | 9.0% | Stable |
The company continued to benefit from steady demand in the affordable housing segment, resulting in healthy loan growth and improved operating performance.
Strong Business Momentum
Aptus Value Housing Finance maintained strong lending momentum during the quarter, with loan disbursements increasing 36% year-on-year to ₹1,053 crore, reflecting robust demand across its core markets.
The company’s Assets Under Management (AUM) grew to ₹13,648 crore, representing a 21% increase compared to the same period last year. Growth was supported by expanding customer outreach, higher average ticket sizes, and sustained demand for affordable housing finance.
Asset Quality Remains Stable
The company continued to maintain a healthy asset quality profile despite a marginal seasonal increase in delinquencies.
Key asset quality indicators were:
- Gross NPA: 1.70%
- Net NPA: 1.29%
- 30+ Days Past Due (DPD): 6.87%
- Operating Expense (OPEX) Ratio: 2.7%
- Credit Cost: 0.6%
Management indicated that collection efficiency remained resilient during the quarter, with only a modest seasonal impact on asset quality.
Branch Expansion and Digital Growth
Aptus continued to strengthen its physical distribution network by opening 33 new branches during Q1 FY27, taking its total network to 372 branches across:
- Tamil Nadu
- Telangana
- Andhra Pradesh
- Karnataka
- Odisha
- Maharashtra
The company plans to add another 25 branches during Q2 FY27, further expanding its reach in the affordable housing finance market.
Digital adoption also remained a key growth driver:
- Over 92% of loan agreements were executed digitally.
- Around 94% of customer collections were completed through digital channels.
The increasing use of digital processes has helped improve operational efficiency while enhancing customer convenience.
Management Outlook
Commenting on the quarterly performance, Mr. P. Balaji, Managing Director, said the company’s strategic initiatives, expansion of its connector network, and higher average loan ticket sizes continue to support business growth.
Management reiterated its FY27 AUM growth guidance of 22% to 24%, while also exploring opportunities to diversify its product portfolio and strengthen long-term growth prospects.