Aptus Value Housing Finance India Limited, a leading housing finance company, has declared its financial results for the quarter and year ended on March 31, 2026.

Performance Highlights 

* AUM as of Mar’26 was at ₹13,107 Cr, growth of 21% Y-o-Y.

* Disbursements in Q4 FY26 were at ₹1,242 Cr, growth of 17% Y-o-Y. FY26 disbursements were at ₹4,009 Cr, growth of 11% Y-o-Y.

* The total Income for FY26 was at ₹2,246 Cr, growth of 25% Y-o-Y.  

* Net Profit for Q4 FY26 was at ₹261 Cr, growth of 26% Y-o-Y. FY26 Net Profit was at ₹943 Cr, growth of 26% Y-o-Y.  

* The RoA/RoE for Q4 FY26 was at 8.2%/21.2%. The RoA/RoE for FY26 was at 7.9%/20.1%, amongst the best in the industry.

* The company has declared dividend of ₹2.5

The net profit for the quarter came in at ₹261 Cr, growth of 26% YoY. The RoA/RoE for the quarter came in at 8.2%/21.2% respectively. The net profit for FY26 came in at ₹943 Cr, growth of 26% YoY, translating to an RoA/RoE of 7.9%/20.1% respectively, among the best in the industry.

Looking ahead, with key initiatives underway, we are confident of delivering 22–24% AUM growth in FY27. This growth will be supported by expansion in newer states of Maharashtra and Odisha and deeper penetration in existing markets, channel augmentation, higher average ticket sizes, calibrated lending rates on incremental loans, and improved productivity.

Commenting on the results, P. Balaji, Managing Director, said, “Q4FY26 saw a further strengthening of our growth momentum, aided by technology enhancements and ongoing process improvements, alongside continued focus on credit quality. AUM grew 21% to ₹13,107 Cr in Q4 FY26, driven by highest ever quarterly disbursements of ₹1,242 Cr, reflecting growth of 21% QoQ and 17% YoY.

“During the year, in line with our intent to on-board higher-quality customers, we discontinued sanctions below ₹7 lakh. While this decision led to temporary moderation in disbursements in Q1 and Q2, we rebounded strongly in Q4. We witnessed this growth momentum continuing into April’26 as well. This has helped set a strong foundation for sustained business momentum and reinforced alignment of field execution with our policies.

“We expanded our presence in the newer states of Maharashtra and Odisha and strengthened our presence in existing states, leading to a branch network of 339. On the back of encouraging traction in new geographies and sustained momentum in existing markets, we plan to accelerate branch additions in FY27, in line with our contiguous expansion strategy to support future growth.”

Technology and data-led decisioning continue to drive scalable expansion with customer centricity. Digitisation remains strong, with over 92% of agreements executed digitally and 94% of collections through digital channels. Increased use of account aggregator data and credit bureau insights is enhancing underwriting, portfolio quality, and supporting growth. This performance is underpinned by a well-diversified product portfolio and a broad customer base across income segments, which together provide balance and resilience across market cycles.

On the asset quality front, this quarter saw improvement in collection efficiency, leading to a reduction in GNPA and 30+ DPD. 30 + DPD saw a decline of 27 bps sequentially to 6.21%. We closed the year with a GNPA of 1.52% as against 1.19% in FY 25. Net NPA was at 1.15% as against 0.89% in FY 25. The increase is primarily due to slight increase in NPA of NBFC.

On the profitability side, the total income grew 25% YoY to ₹2,246 Cr, in FY26. Our spreads for FY26 improved to 8.9%, driven by decline in cost of borrowings to 8.3%. The Opex ratio increased marginally 8 bps YoY in FY26. The credit cost for FY26 remained at 50 bps, within our guided range.