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Informist, Friday, Jul. 31, 2026

 

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--Aptus Value Housing net provision coverage ratio 25% on Jun 30 
--Aptus Value Housing added 33 branches in Apr-Jun, to add 25 in Jul-Sept 
--Aptus Value Housing Apr-Jun credit cost 0.6%, in line with guidance 
--Aptus Value Housing opex ratio 2.7% on Jun 30 
--Aptus Value Housing disbursements INR 10.53 bln on Jun 30, up 36% on yr 
--Aptus Value Housing net NPA ratio 1.3% on Jun 30 vs 1.1% yr ago 
--Aptus Value Housing gross NPA ratio 1.7% on Jun 30 vs 1.5% yr ago 
--Aptus Value Housing AUM at INR 136.48 bln on Jun 30, up 21% on year 
--Aptus Value Housing Q1 consol revenue INR 6.00 bln vs INR 5.20 bln yr ago 
--Aptus Value Housing Q1 consol PAT INR 2.61 bln vs INR 2.19 bln year ago 
--Analysts saw Aptus Value Housing Apr-Jun consol revenue INR 3.67 bln 
--Aptus Value Housing Apr-Jun consol revenue INR 6.00 bln 
--Analysts saw Aptus Value Housing Apr-Jun consol net profit INR 2.48 bln 
--Aptus Value Housing Apr-Jun consol net profit INR 2.61 bln

 

By Kabir Sharma
 

MUMBAI – Aptus Value Housing Finance India Ltd. reported a stronger-than-expected performance for the June quarter, with consolidated net profit and revenue surpassing analyst estimates, driven by robust loan growth and higher disbursements, although asset quality weakened marginally.

 

The affordable housing finance company reported a consolidated net profit of INR 2.61 billion for the June quarter, up 19% from INR 2.19 billion a year earlier and above the analyst estimate of INR 2.48 billion. Consolidated revenue rose to INR 6.00 billion from INR 5.20 billion a year ago, also comfortably exceeding the analyst expectation of INR 3.67 billion. 

 

Assets under management increased 21% year-on-year to INR 136.48 billion as on Jun. 30, supported by strong customer demand. Disbursements climbed 36% on year to INR 10.53 billion. The company said it witnessed encouraging traction in Maharashtra and Odisha while branches opened during the previous financial year have started contributing meaningfully to growth.

 

Asset quality, however, softened slightly during the quarter. The gross non-performing asset ratio rose to 1.7% as on Jun. 30 from 1.5% a year ago, while the net non-performing asset ratio increased to 1.3% from 1.1%. The company attributed the rise in delinquencies to seasonal factors affecting collection efficiency but said the underlying credit quality remained resilient. It added that the net provision coverage ratio stood at 25% as on Jun. 30. 

 

Profitability metrics remained healthy despite the rise in bad loans. The operating expenditure ratio was stable at 2.7%, while credit cost came in at 0.6%, in line with management guidance. Net spreads remained healthy at 9.0%, helping the company deliver a return on assets of 7.8% and return on equity of 20.4%, among the highest in the industry. 

 

Managing Director P. Balaji said the company's strategic initiatives, including technology enhancements, process improvements and a sharper focus on onboarding higher-quality customers, continued to support business momentum. The lender also said it was diversifying sourcing channels by expanding its connector network and increasing digital marketing efforts, while evaluating opportunities to expand beyond home and small business loans. 

 

On the expansion front, Aptus Value Housing added 33 branches during the Apr-Jun quarter, taking its network to 372 branches, and plans to open another 25 branches in the September quarter. Management said business momentum seen in the first quarter has continued into July and reiterated confidence in achieving its full-year assets under management growth guidance of 22-24%.

 

At 1411 IST, shares of the company recovered and were flat at INR 281.85 on the NSE. Share had fallen nearly 5?fore the results.  End

 

IST, or Indian Standard Time, is five-and-a-half hours ahead of GMT

 

Edited by Akul Nishant Akhoury

 

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