Mumbai, a city known for its financial dynamism, is the backdrop for Aptus Value Housing Finance India’s significant financial achievements. In the quarter ending September 30, 2025, the company announced a remarkable 24.50% increase in its net consolidated profit, reaching ₹226.54 crore compared to ₹181.96 crore in the same quarter last year. This robust growth underscores Aptus's capacity to navigate the competitive housing finance landscape effectively.
The company's total consolidated income also experienced a substantial increase, soaring by 27.44% to ₹553.68 crore from ₹434.47 crore recorded during the previous fiscal year. Such impressive figures highlight Aptus's strong performance and its strategic focus on expanding its market share in the housing finance sector. The managing director, P. Balaji, emphasized that disbursements surged by 24% quarter-on-quarter, amounting to ₹963 crore in Q2 FY26, showcasing the company’s effective lending strategies and customer engagement.
However, the company did observe a slight rise in delinquency rates, with Gross Non-Performing Assets (GNPAs) increasing by 6 basis points to 1.55%. In contrast, the Net Non-Performing Assets (NNPA) remained stable at 1.17%. Notably, the 30+ delinquency improved to 6.34%, indicating a positive trend in the quality of the loan portfolio. Looking ahead, Aptus has set an ambitious medium-term target of reaching ₹25,000 crore in assets under management (AUM) and aims to maintain over 25% growth moving forward.
Additionally, the board of directors has declared an interim dividend of ₹2 per equity share, reflecting the company’s strong financial position and commitment to returning value to its shareholders. As of September 30, 2025, Aptus's net worth stood at ₹4,032.07 crore, with a debt-equity ratio of 1.22 and a liquidity coverage ratio of 181%. These figures reaffirm Aptus's solid financial foundation, enabling it to pursue growth opportunities while ensuring its stability in the housing finance sector.
In conclusion, Aptus Value Housing Finance's impressive performance in Q2 FY26 positions it well for future growth, driven by strategic initiatives and a focus on quality lending. As the company continues to adapt and innovate in a dynamic market, it demonstrates its potential to not only meet but exceed its ambitious targets, ultimately contributing to the overall health of India's housing finance landscape.
