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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
💼 Action for Investors
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
💼 Action for Investors
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.
💼 Action for Investors
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%.
💼 Action for Investors
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.
💼 Action for Investors
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.
💼 Action for Investors
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.
💼 Action for Investors
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.