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Aptus AGM: FY26 AUM Grows 21% to ₹13,107 Cr; Plans 65-70 New Branches in FY27
Aptus Value Housing Finance reported a 21% YoY growth in Assets Under Management (AUM) to ₹13,107 Cr for FY26, with PAT rising 26% to ₹943 Cr. The company maintained industry-leading profitability with a Return on Assets (ROA) of 7.9% and Return on Equity (ROE) of 20.1%. Management has guided for a sustainable AUM growth of 22-24% going forward, supported by the planned addition of 65-70 new branches in FY27. While asset quality remains healthy, GNPA saw a slight uptick to 1.52% compared to previous levels.
Confidence: HIGH
What changedThe company successfully concluded its 17th AGM, formalizing FY26 financial approvals and securing shareholder mandates for future borrowing and a new employee stock option plan.
Why it mattersThe meeting confirms Aptus's ability to maintain high margins (7.9% ROA) while growing its book at 20%+, providing visibility into its expansion strategy beyond its core South Indian markets.
AUM (FY26): ₹13,107 CrPAT Growth (YoY): 26%Planned FY27 Branch Addition: 65-70 unitsGNPA: 1.52%Dividend per share: ₹4.50CRAR: 71%
📅 Short termThe stock may remain neutral as the AGM proceedings largely confirm previously known financial performance and growth trajectories.
📈 Long termThe company's focus on Tier 3/4 towns and expansion into new geographies like Odisha and Maharashtra supports a long-term growth target of 22-24% AUM CAGR.
⚠ Risk flags
- Slight increase in GNPA to 1.52%
- Geographic concentration risk as it expands into new territories
Key Highlights
AUM grew 21% YoY to ₹13,107 Cr, while disbursements reached ₹4,009 Cr in FY26.
Profit for the year increased 26% to ₹943 Cr with a high ROA of 7.9%.
Branch network expanded to 339 branches, with a target to add 65-70 more in FY27.
Asset quality reported with GNPA at 1.52% and Net NPA at 1.15%.
Shareholders approved a dividend of ₹4.50 per share and a new ESOP 2026 plan.
👀 What to Watch
Monitor the pace of branch expansion in Maharashtra and Odisha and track if the GNPA (currently 1.52%) stabilizes as the company scales its non-housing subsidiary.
Aptus Releases Q1 FY27 Investor Presentation; Targets 25-30% Growth via Geographic Expansion
Aptus Value Housing Finance has released its investor presentation for Q1 FY27, following a strong FY26 where TTM PAT reached Rs 943 Cr. The company continues to target a 25-30% growth rate, supported by a strategic expansion into Maharashtra and Odisha to reduce South India concentration. Key metrics to watch include the maintenance of its high 11.17% NIM and Gross Stage 3 assets, which were recently reported at 1.2%. The company is shifting focus toward loan tickets above Rs 7 Lakhs to improve operational efficiency.
Confidence: HIGH
What changedThe company has updated its investor communication for the first quarter of FY27, providing a fresh look at its operational progress and expansion strategy.
Why it mattersAs a high-margin player (41.4% OPM) in the affordable housing space, Aptus's ability to scale outside South India while maintaining asset quality is critical for its valuation re-rating.
TTM PAT: Rs 943 CrNIM: 11.17%Gross Stage 3 Assets: 1.2%Expected Growth Rate: 25-30%Market Cap: Rs 14092 Cr
📅 Short termThe stock may see range-bound movement as investors analyze the Q1 performance details and the sustainability of margins in a competitive environment.
📈 Long termStructural growth is tied to successful geographic diversification and the ability to manage credit risks inherent in the informal, self-employed borrower segment.
⚠ Risk flags
- Geographic concentration in South India
- Sensitivity of self-employed borrowers to economic shifts
- Dependency on wholesale funding markets
Key Highlights
Targeting a consistent growth rate of 25-30% through organic geographic expansion.
Maintained a high Net Interest Margin (NIM) of 11.17% despite rising interest rates.
Gross Stage 3 assets reported at 1.2%, reflecting stable asset quality in the self-employed segment.
Staff strength expanded to 3,351 employees to support new branch networks in Maharashtra and Odisha.
TTM PAT stands at Rs 943 Cr with an Operating Profit Margin of 41.4%.
👀 What to Watch
Investors should monitor the AUM growth contribution from new territories (Maharashtra/Odisha) and check if the shift to higher ticket sizes (>Rs 7 Lakhs) impacts the yield or asset quality in upcoming quarterly results.
19% PAT Growth in Q1 FY27; AUM Reaches ₹13,648 Cr with 36% Disbursement Surge
Aptus reported a 19% YoY increase in Net Profit to ₹261 Cr for Q1 FY27, supported by a robust 36% growth in disbursements totaling ₹1,053 Cr. Assets Under Management (AUM) reached ₹13,648 Cr, a 21% YoY increase, while maintaining a high Return on Assets (RoA) of 7.8%. Asset quality experienced a slight seasonal dip, with Gross NPA rising to 1.70% from 1.50% YoY. The company added 33 branches in the quarter, expanding its presence in Maharashtra and Odisha.
Confidence: HIGH
What changedQ1 FY27 results show strong disbursement momentum and continued geographic expansion into Maharashtra and Odisha.
Why it mattersConfirms the company's ability to maintain high margins (9% net spreads) while scaling its loan book and diversifying away from South India.
AUM: ₹13,648 CrDisbursement Growth: 36% YoYNet Profit (Q1): ₹261 CrRoA: 7.8%GNPA: 1.70%Q1 PAT vs TTM PAT: ~27.7%
📅 Short termMarket sentiment is likely to be positive due to strong disbursement growth and maintained high profitability metrics.
📈 Long termStructural growth remains intact with geographic diversification and digital adoption (92% digital agreements) supporting long-term scalability.
⚠ Risk flags
- Seasonal delinquency increase (GNPA up 20 bps YoY)
- Credit cost for the quarter at 0.6%
Key Highlights
Disbursements surged 36% YoY to ₹1,053 Cr in Q1 FY27
AUM grew 21% YoY to ₹13,648 Cr as of June 30, 2026
Net Profit of ₹261 Cr for the quarter represents ~28% of the TTM PAT of ₹943 Cr
Branch network increased to 372 with 33 new additions during the quarter
Maintained industry-leading profitability with RoA at 7.8% and RoE at 20.4%
👀 What to Watch
Monitor the asset quality trend in Q2 to verify if the GNPA increase is purely seasonal and track the execution of the 22-24% AUM growth guidance for FY27.
APTUS Q1 FY27 PAT Up 19% YoY to ₹261 Cr; Revenue Grows 15% to ₹611 Cr
Aptus Value Housing Finance reported a steady Q1 FY27 with consolidated net profit rising 19% YoY to ₹260.94 Cr. Total income grew 15.2% YoY to ₹610.65 Cr, primarily driven by interest income which reached ₹529.16 Cr. However, on a sequential basis, net profit remained flat compared to Q4 FY26 (₹260.95 Cr). A notable point of concern is the impairment on financial instruments, which more than doubled YoY to ₹21.49 Cr from ₹10.59 Cr.
Confidence: HIGH
What changedThe company released its unaudited financial results for the first quarter of FY27, showing continued YoY growth but stagnant QoQ profitability.
Why it mattersThe results confirm Aptus's ability to maintain high profitability (PBT margin of ~54%) in the affordable housing segment, though rising credit costs (impairments) warrant closer scrutiny.
Net Profit (Q1 FY27): ₹260.94 CrTotal Income (Q1 FY27): ₹610.65 CrYoY Revenue Growth: 15.2%YoY PAT Growth: 19.0%EPS (Q1 FY27): ₹5.21Impairment Cost: ₹21.49 Cr
📅 Short termThe stock may see a neutral to slightly positive reaction as the YoY growth remains robust, although the flat sequential profit and higher impairments might temper enthusiasm.
📈 Long termThe long-term outlook depends on the company's ability to scale its loan book by 25-30% as targeted while managing asset quality in new geographies like Maharashtra and Odisha.
⚠ Risk flags
- Significant YoY increase in impairment on financial instruments
- Flat sequential (QoQ) profit growth
- Geographic concentration in South India
Key Highlights
Net Profit increased 19% YoY to ₹260.94 Cr from ₹219.25 Cr in the year-ago quarter.
Total Income rose 15.2% YoY to ₹610.65 Cr, representing approximately 27% of TTM revenue.
Impairment on financial instruments surged to ₹21.49 Cr compared to ₹10.59 Cr in June 2025.
Interest income grew to ₹529.16 Cr, up from ₹469.53 Cr in the same period last year.
Security cover ratio for listed debt securities is maintained at 1.12x.
👀 What to Watch
Investors should monitor the trend in impairment charges in the coming quarters to determine if the YoY doubling indicates deteriorating asset quality. Additionally, track the progress of geographic expansion into Maharashtra and Odisha to see if it offsets regional concentration risks.
₹12,000 Cr Borrowing Limit Proposed in Aptus Value Housing 17th AGM Notice
Aptus Value Housing Finance has issued a notice for its 17th Annual General Meeting (AGM) scheduled for August 04, 2026. The company is seeking shareholder approval to increase its borrowing powers to ₹12,000 Crores, which is approximately 2.8x its current net worth of ₹4,274 Crores. Within this limit, the company plans to issue debt instruments like debentures and bonds up to ₹3,000 Crores. The meeting will also address the re-appointment of Ms. Mona Kachhwaha as an Independent Director for a second two-year term.
Confidence: HIGH
What changedThe company is seeking to refresh and potentially expand its legal borrowing headroom to ₹12,000 Crores, superseding resolutions from the previous year.
Why it mattersAs a housing finance company, Aptus requires significant debt capital to fund its loan book; increasing this limit is a prerequisite for scaling operations and geographic expansion into Maharashtra and Odisha.
Proposed Borrowing Limit: ₹12,000 CrDebt Instrument Sub-limit: ₹3,000 CrLimit vs Net Worth: 2.8xAGM Date: August 04, 2026
📅 Short termThe announcement is procedural and unlikely to trigger immediate price movement, as these are standard enabling resolutions for financial institutions.
📈 Long termThe increased borrowing limit provides the structural capacity to support the company's long-term growth strategy and geographic diversification beyond South India.
⚠ Risk flags
- Dependency on wholesale funding markets to utilize the proposed borrowing limits
Key Highlights
Proposed increase in total borrowing limit to ₹12,000 Crores to support lending growth
Specific sub-limit of ₹3,000 Crores proposed for the issuance of debentures and bonds
AGM scheduled for August 04, 2026, to be conducted via Video Conferencing
Re-appointment of Ms. Mona Kachhwaha as Independent Director for a term ending May 04, 2028
Adoption of the Fair Value Method for valuing employee stock options under Ind AS 102
👀 What to Watch
Investors should monitor the voting results post-August 04, 2026, to ensure the enabling resolutions for borrowing are passed, which are critical for the company's 25-30% growth target.
Aptus Value Housing Declares ₹2.50 Interim Dividend and Issues TDS Guidelines
Aptus Value Housing Finance India Limited has declared an interim dividend of ₹2.50 per equity share for the financial year 2025-26. The company has issued a comprehensive guide for shareholders regarding Tax Deduction at Source (TDS) and withholding tax procedures. Resident individuals will be subject to a 10% TDS if their annual dividend exceeds ₹10,000, while non-resident shareholders face a 20% withholding tax unless treaty benefits are claimed. Shareholders must submit all necessary tax exemption documents by May 20, 2026.
Key Highlights
Interim dividend of ₹2.50 per equity share (face value ₹2) declared for FY 2025-26.
Standard TDS rate of 10% for resident shareholders with valid PAN; 20% for those without registered PAN.
Exemption from TDS for resident individuals if total dividend for the year does not exceed ₹10,000.
Non-resident withholding tax set at 20% or applicable Double Tax Avoidance Agreement (DTAA) treaty rates.
Submission deadline for tax-related documentation and forms is May 20, 2026.
👀 What to Watch
Shareholders should ensure their PAN and bank details are updated with their Depository Participant or RTA. Eligible investors should submit Form 15G/15H or DTAA documents before the May 20 deadline to avoid higher tax deductions.
Aptus Value Housing FY26 Results: ₹2.50 Dividend Declared & ₹3,000 Cr NCD Fundraise Approved
Aptus Value Housing Finance reported its audited financial results for FY 2026, declaring a second interim dividend of ₹2.50 per share. The board has approved a substantial fundraise of up to ₹3,000 crores through Non-Convertible Debentures (NCDs) to fuel future growth. Its subsidiary, Aptus Finance India, showed strong performance with a full-year profit of ₹275.34 crores. The record date for the dividend is fixed for May 15, 2026, providing immediate yield to shareholders.
Key Highlights
Declared a second interim dividend of ₹2.50 per equity share (125% of face value).
Approved fundraising of up to ₹3,000 crores via private placement of Non-Convertible Debentures (NCDs).
Subsidiary Aptus Finance India reported FY26 PAT of ₹275.34 crores on revenue of ₹730.69 crores.
Subsidiary total assets reached ₹3,793.90 crores as of March 31, 2026.
Dividend record date set for May 15, 2026, with payment to be completed within 30 days.
👀 What to Watch
Investors should view the ₹3,000 crore NCD approval as a strong signal for aggressive AUM expansion in the coming year. The consistent dividend payout reflects healthy cash flows and management's commitment to shareholder returns.
Aptus Value Housing FY26 Net Profit Rises 20% to ₹693 Cr; Declares ₹2.50 Interim Dividend
Aptus Value Housing reported a strong performance for FY26, with annual standalone net profit growing 20.4% year-on-year to ₹692.87 crore. The company declared a second interim dividend of ₹2.50 per share, with May 15, 2026, set as the record date. Furthermore, the board has approved a significant fundraise of up to ₹3,000 crore through Non-Convertible Debentures (NCDs) to fuel future growth. Total income for the full year saw a robust increase of 17.5%, reaching ₹1,564.15 crore.
Key Highlights
Annual standalone net profit increased by 20.4% YoY to ₹692.87 crore for FY26.
Declared a second interim dividend of ₹2.50 per equity share (125% of face value).
Board approved a fundraise of up to ₹3,000 crore via Non-Convertible Debentures (NCDs).
Total income for FY26 grew to ₹1,564.15 crore from ₹1,330.96 crore in the previous fiscal.
Q4 FY26 standalone profit stood at ₹176.47 crore, showing steady growth from ₹169.63 crore in Q4 FY25.
👀 What to Watch
Investors should consider the consistent profit growth and healthy dividend payout as positive indicators of the company's operational efficiency. The large NCD approval indicates a strong pipeline for credit growth, making it a solid hold for long-term exposure to the affordable housing finance sector.
Aptus Value Housing FY26 PAT Rises 26% to ₹943 Cr; AUM Grows 21% to ₹13,107 Cr
Aptus Value Housing Finance reported a strong FY26 with Profit After Tax (PAT) growing 26% YoY to ₹943 Cr and AUM increasing 21% to ₹13,107 Cr. Despite a strategic shift to discontinue loans below ₹7 lakh which slowed early-year growth, Q4 saw record disbursements of ₹1,242 Cr, up 17% YoY. The company maintained industry-leading profitability with an RoA of 7.9% and RoE of 20.1%. While asset quality saw a slight uptick in GNPA to 1.52% from 1.19% YoY, management has issued a confident growth guidance of 22-24% for FY27.
Key Highlights
Full-year FY26 PAT increased by 26% YoY to ₹943 Cr, with Q4 PAT also rising 26% to ₹261 Cr.
AUM reached ₹13,107 Cr, a 21% YoY growth, driven by highest-ever quarterly disbursements in Q4 FY26.
Maintained superior return profile with RoA at 7.9% and RoE at 20.1% for the full financial year.
Asset quality showed slight pressure with GNPA rising to 1.52% compared to 1.19% in FY25.
Net Interest Margin (NIM) to Assets stood at 13.3% for FY26 with spreads improving to 8.9%.
👀 What to Watch
Investors should view the strong RoE and robust FY27 growth guidance as positive indicators of scalability. Monitor the slight increase in GNPA and the execution of the expansion strategy into Maharashtra and Odisha.
Aptus Value Housing FY26 Net Profit Rises 26% to ₹943 Cr; AUM Grows 21% YoY
Aptus Value Housing Finance reported a robust performance for FY26, with Net Profit increasing 26% YoY to ₹943 crore. The company's Assets Under Management (AUM) reached ₹13,107 crore, representing a 21% growth compared to the previous year. Profitability remains industry-leading with an RoA of 7.9% and RoE of 20.1% for the full year. Despite a slight uptick in Gross NPA to 1.5% from 1.2% YoY, management has provided a strong growth guidance of 22-24% for FY27.
Key Highlights
FY26 Net Profit grew 26% YoY to ₹943 crore, while Q4 FY26 profit rose 26% to ₹261 crore.
AUM increased by 21% YoY to ₹13,107 crore, supported by ₹4,009 crore in annual disbursements.
Maintained superior profitability with FY26 RoA at 7.9% and RoE at 20.1%.
Asset quality saw a marginal decline with GNPA at 1.5% and Net NPA at 1.2% as of March 31, 2026.
Branch network expanded to 339 across 6 states, with management guiding for 22-24% AUM growth in FY27.
👀 What to Watch
Investors should take note of the company's best-in-class RoA and strong growth guidance, which suggest continued market share gains in the affordable housing segment. While the slight increase in NPAs should be monitored, the overall financial health and expansion into new geographies remain positive catalysts.
Aptus Value Housing FY26 PAT Rises 20% to ₹693 Cr; Declares ₹2.50 Dividend & ₹3,000 Cr NCD Plan
Aptus Value Housing Finance reported a robust performance for the financial year ended March 31, 2026, with consolidated net profit growing 20.4% year-on-year to ₹692.87 crore. The company's total income reached ₹1,564.15 crore, driven by steady growth in interest income and gain on derecognition of financial instruments. Shareholders will benefit from a second interim dividend of ₹2.50 per share, while the board's approval for a ₹3,000 crore NCD issuance signals aggressive growth plans for the upcoming year.
Key Highlights
Annual Net Profit (PAT) increased by 20.4% to ₹692.87 crore in FY26 compared to ₹575.44 crore in FY25.
Total Income for the full year rose to ₹1,564.15 crore, up from ₹1,330.96 crore in the previous fiscal.
Declared a second interim dividend of ₹2.50 per equity share (125% of face value) with a record date of May 15, 2026.
Approved fundraising of up to ₹3,000 crore through the issuance of Non-Convertible Debentures (NCDs) via private placement.
Impairment on financial instruments for FY26 increased significantly to ₹47.63 crore from ₹14.22 crore in FY25.
👀 What to Watch
Investors should maintain a positive outlook given the strong double-digit profit growth and healthy dividend yield. Monitor the utilization of the ₹3,000 crore NCD fundraise for its impact on AUM growth and keep a watch on the rising impairment costs.
Aptus Appoints Former IBM Executive Mukul Mathur as Independent Director for 5-Year Term
Aptus Value Housing Finance has appointed Mr. Mukul Mathur as an Additional Director (Independent) for a five-year term effective March 18, 2026. Mr. Mathur brings over 30 years of global leadership experience, including a 29-year tenure at IBM in various senior executive roles. His deep expertise in digital transformation, IT governance, and cybersecurity is expected to enhance the board's oversight of technology-driven growth and risk management. The appointment is subject to shareholder approval and follows his current board roles at other Indian NBFCs.
Key Highlights
Appointment of Mr. Mukul Mathur as Independent Director for a 5-year term until March 17, 2031
Brings over 30 years of global experience, including 29 years at IBM across multiple international markets
Holds specialized certifications in cybersecurity from Harvard, Cornell, and MIT xPro
Currently serves on the boards of two other NBFCs, SK Finance Ltd. and Fibe.India
Expertise spans digital strategy, IT governance, and business scaling for financial institutions
👀 What to Watch
This appointment strengthens the board's technical and governance expertise, which is crucial for a scaling NBFC. Investors should view this as a positive step toward robust risk management and digital transformation.
Aptus Shareholders Reject Special Resolution to Amend Articles of Association
Aptus Value Housing Finance announced that its shareholders have rejected a special resolution to amend the Company's Articles of Association. Despite 100% support from the promoter group, the resolution failed as 74% of institutional investors voted against it. Overall, only 49.07% of the total votes polled were in favour, falling significantly short of the 75% required for a special resolution. This indicates a significant disconnect between the management and institutional shareholders regarding the proposed governance changes.
Key Highlights
Special resolution to amend Articles of Association failed with only 49.07% votes in favour
Institutional investors overwhelmingly opposed the move, with 74% (20.69 crore votes) voting against
Promoter group was 100% in favour of the resolution, polling 11.95 crore votes
Total voter turnout was high at 81.17% of the total outstanding shares
The resolution required a 75% majority to pass but failed to even reach a simple majority
👀 What to Watch
Investors should investigate the specific nature of the proposed amendments to understand why institutional shareholders blocked them. This lack of alignment between management and institutions is a signal to monitor corporate governance closely.
Aptus Value Housing Finance Allots NCDs Worth Rs 100 Crore at 7.85% Coupon
Aptus Value Housing Finance has successfully allotted 10,000 secured, redeemable, non-convertible debentures (NCDs) on a private placement basis. The total fundraise amounts to Rs 100 crore with a face value of Rs 1 lakh per instrument. These NCDs carry a coupon rate of 7.85% per annum, payable monthly, and have a tenor of five years. The principal repayment will occur through equal quarterly installments following an initial 12-month moratorium period.
Key Highlights
Allotment of 10,000 secured NCDs aggregating to Rs 100 crore on a private placement basis
Coupon rate fixed at 7.85% per annum with interest payments scheduled monthly
Instrument tenor of 5 years with final maturity set for February 12, 2031
Principal repayment structure involves equal quarterly redemptions starting after a 12-month moratorium
Security cover of 110% maintained over book debts and receivables to protect debenture holders
👀 What to Watch
Investors should view this as a positive liquidity management step that provides the company with stable, long-term capital for its lending operations. The competitive 7.85% coupon rate indicates strong creditworthiness and efficient borrowing costs for the housing finance company.
Aptus Value Housing Q3 FY26 Net Profit Rises 26% YoY to ₹239 Cr; AUM Up 21%
Aptus Value Housing reported a strong Q3 FY26 with adjusted Net Profit growing 26% YoY to ₹239 Cr, supported by a 21% increase in AUM to ₹12,330 Cr. The company continues to deliver industry-leading profitability with an RoA of 7.9% and RoE of 20.2%. While Gross NPA saw a slight YoY increase to 1.6%, it remained flat on a sequential basis. Management is strategically shifting towards higher ticket sizes by discontinuing loans below ₹7 lakh to enhance portfolio quality.
Key Highlights
Assets Under Management (AUM) grew 21% YoY to reach ₹12,330 Cr as of December 2025.
Adjusted Net Profit for Q3 FY26 rose 26% YoY to ₹239 Cr, excluding one-time labor code costs.
Profitability remains superior with RoA at 7.9% and RoE at 20.2% for the quarter.
Gross NPA and Net NPA stood at 1.6% and 1.2% respectively, showing a slight uptick from 1.3% and 1.0% YoY.
Management guided for a sustainable AUM growth of 22-24% driven by branch expansion and higher ticket sizes.
👀 What to Watch
Investors should view the robust RoA and steady AUM growth positively, though the slight moderation in asset quality requires monitoring. The strategic shift toward higher-quality customer cohorts could support long-term valuation.
Aptus Value Housing Finance Q3 PAT Rises 26% YoY to ₹239 Cr; AUM Hits ₹12,330 Cr
Aptus Value Housing Finance reported a strong performance for Q3 FY26, with Profit After Tax (PAT) increasing by 26% YoY to ₹239 crore. The Assets Under Management (AUM) grew by 21% YoY to reach ₹12,330 crore, supported by an 11% growth in quarterly disbursements. While asset quality remained stable sequentially with GNPA at 1.56%, the company maintained industry-leading profitability metrics with an RoA of 7.9% and RoE of 20.2%. Management highlighted a strategic shift toward higher ticket sizes by discontinuing sanctions below ₹7 lakh to improve customer quality.
Key Highlights
AUM grew 21% YoY to ₹12,330 crore, driven by a customer base of 1.79 lakh.
Net Profit for 9M FY26 rose 26% YoY to ₹685 crore with a robust RoA of 7.9%.
Spreads improved to 8.9% as the Cost of Borrowing declined by 18 bps YoY to 8.4%.
Network expanded to 335 branches, with strategic focus on Maharashtra and Odisha.
Asset quality remained stable sequentially with GNPA at 1.56% and NNPA at 1.18%.
👀 What to Watch
Investors should note the company's industry-leading RoA and successful expansion into non-South markets. The strategic shift to higher ticket sizes may moderate volume growth but is expected to enhance long-term portfolio quality and risk-adjusted returns.
Aptus Value Housing Finance Q3 PAT Rises 24% YoY to ₹236 Crore
Aptus Value Housing Finance reported a strong performance for the third quarter ended December 31, 2025, with consolidated Profit After Tax (PAT) growing 24% year-on-year to ₹236.19 crore. Total revenue from operations increased by 23% to ₹553.60 crore, driven primarily by a steady rise in interest income. The company's 9-month PAT for FY26 stands at ₹681.99 crore, significantly higher than the ₹544.22 crore recorded in the same period last year. During the quarter, the company also successfully raised ₹150 crore through the issuance of secured Non-Convertible Debentures (NCDs) to support its growth trajectory.
Key Highlights
Consolidated Net Profit grew 24% YoY to ₹236.19 crore in Q3 FY26 compared to ₹190.50 crore in Q3 FY25.
Total Revenue from operations rose 23% YoY to ₹553.60 crore, up from ₹450.05 crore in the previous year's quarter.
Earnings Per Share (EPS) increased to ₹4.72 for the quarter, compared to ₹3.82 in the corresponding quarter of the previous year.
The company successfully raised ₹150 crore through private placement of 15,000 secured Non-Convertible Debentures (NCDs).
Finance costs increased to ₹162.49 crore from ₹142.91 crore YoY, while impairment charges rose to ₹16.90 crore.
👀 What to Watch
Investors should view these results positively as the company maintains strong growth momentum and healthy profitability in the affordable housing segment. The steady increase in interest income and successful fundraise indicate robust operational health.
Aptus Value Housing Proposes AoA Amendments to Grant Specific Rights to Promoters
Aptus Value Housing Finance has initiated a postal ballot to seek shareholder approval for amending its Articles of Association (AoA). The proposed changes aim to formalize specific rights for the company's promoters, including the power to nominate directors and affirmative voting rights on reserved matters. The remote e-voting period is set for January 20, 2026, to February 18, 2026, with the final results expected by February 20, 2026. This move is a significant governance update that could consolidate promoter influence over key board-level decisions.
Key Highlights
Proposed special resolution to amend Articles of Association to grant specific rights to Promoters.
Rights include director nomination, affirmative voting on reserved matters, and specific board quorum requirements.
Remote e-voting period scheduled from January 20, 2026, to February 18, 2026.
Shareholders as of the cut-off date of January 09, 2026, are eligible to participate in the vote.
Final results of the postal ballot will be announced on or before February 20, 2026.
👀 What to Watch
Investors should review the specific 'reserved matters' in the explanatory statement to understand the extent of promoter control. Monitor the voting results to gauge institutional investor sentiment regarding these governance changes.
Aptus Housing Proposes AOA Amendments to Grant Enhanced Rights to Promoters
The Board of Aptus Value Housing Finance has approved amendments to its Articles of Association (AOA) to grant specific rights to its promoters, subject to shareholder approval via a Special Resolution. These rights include the power to nominate directors, affirmative voting rights on reserved matters, and specific quorum requirements for board meetings. This move aims to formalize and strengthen the promoters' influence over strategic corporate decisions. Investors should watch for the specific list of reserved matters in the upcoming shareholder notice to gauge the impact on corporate governance.
Key Highlights
Board approved AOA amendments on January 12, 2026, to grant promoters director nomination rights.
Proposed affirmative voting rights for promoters on specific reserved matters to be incorporated.
New rights regarding quorum requirements at Board meetings to be established.
Amendments require approval via a Special Resolution, necessitating a 75% majority from shareholders.
👀 What to Watch
Review the detailed list of 'reserved matters' in the upcoming shareholder notice to assess the impact on minority rights. Monitor the voting outcome of the Special Resolution for governance trends.
