Aptus Value Housing Finance India
The income from operation of Aptus Value Housing Finance India increased 15.38% to Rs 600.29 crore in Q1FY2027. Overall OPM eased to 85.52% in Q1FY2027 from 86.46% in Q1FY2026, leading to 14.13% rise in operating profit to Rs 513.38 crore. Other expenditure as a percentage of total income moved down to 3.81% from 3.84% in Q1FY2027. The staff cost as a percentage of total income increased to 10.66% from 9.70% in Q1FY2027.
Other income increased 4.96% to Rs 10.37 crore. Interest cost increased 5.77% to Rs 169.68 crore. Depreciation moved up 11.50% to Rs 3.49 crore. Provisions increased 102.93% to Rs 21.49 crore. PBT moved up 15.25% to Rs 329.09 crore.
The effective tax rate declined to 20.71% in Q1FY2027 compared to 23.22% in Q1FY2026. Provision for tax was expense of Rs 68.15 crore, compared to Rs 66.3 crore. Profit after tax rose 19.01% to Rs 260.94 crore.
Profit attributable to non-controlling interest was nil in both the periods. The share of profit of associate were nil in both the periods. Finally, Net profit attributable to owners moved up 19.01% to Rs 260.94 crore.
Book value of the company was at Rs 103.8 and adjusted book value was Rs 100.6 (net of NNPA) end June 2026.
Business highlights
AUM increased 21% to Rs 13648 crore end June 2026 over June 2025, of which housing finance company loan book contributed Rs 9306 crore and NBFC loan book contributed Rs 3801 crore.
The disbursements jumped 36% to Rs 1053 crore in Q1FY2027.
Spread during the quarter improved to 9% in Q1FY2027 from 8.7% in Q1FY2026.
The total number of branches increased to 372 at end June 2026 with the addition of 33 branches in Q1FY27 and 71 branches in last 12 months.
Gross Stage 3 ratio rose to 1.70% and Net stage 3 asset ratio moved up to 1.29% at end June 2026.
Net Worth grew by 18% YoY to Rs 5198 crore end June 2026.
The RoA/RoE for Q1FY26 was at 7.8%/20.4%.
Financial Performance FY2026
The income from operation of Aptus Value Housing Finance India increased 25.24% to Rs 2192.24 crore in FY2026. Overall OPM eased to 85.81% in FY2026 from 86.14% in FY2025, leading to 24.77% rise in operating profit to Rs 1,881.15 crore. Other expenditure as a percentage of total income moved down to 3.68% from 3.75% in FY2026. The staff cost as a percentage of total income increased to 10.51% from 10.12% in FY2026.
Other income increased 10.94% to Rs 53.24 crore. There is 19.97% rise in interest cost at Rs 648.45 crore and 10.12% rise in depreciation to Rs 13.28 crore, Provisions increased 117.20% to Rs 61.51 crore. Profit before tax increased 24.24% to Rs 1,211.15 crore. There is no extraordinary item. After which, PBT increased 24.24% to Rs 1,211.15 crore.
The effective tax rate declined to 22.15% in FY2026 compared to 22.94% in FY2025. Provision for tax was expense of Rs 268.21 crore, compared to Rs 223.59 crore. Profit after tax rose 25.52% to Rs 942.94 crore.
Profit attributable to non-controlling interest was nil in both the periods. The share of profit of associate was nil in both the periods. Finally, Net profit attributable to owners rose 25.52% yoy to Rs 942.94 crore in FY2026.
| Aptus Value Housing Finance: Consolidated Results | ||||||
| Particulars | 2606 (3) | 2506 (3) | Var % | 2603 (12) | 2503 (12) | Var % |
| Income from Operations | 600.29 | 520.26 | 15 | 2192.24 | 1750.41 | 25 |
| OPM (%) | 85.52 | 86.46 | ? | 85.81 | 86.14 | ? |
| OP | 513.38 | 449.81 | 14 | 1881.16 | 1507.74 | 25 |
| Other Income | 10.37 | 9.88 | 5 | 53.24 | 47.99 | 11 |
| PBDIT | 523.75 | 459.69 | 14 | 1934.40 | 1555.73 | 24 |
| Interest (Net) | 169.68 | 160.43 | 6 | 648.45 | 540.51 | 20 |
| PBDT | 354.07 | 299.26 | 18 | 1285.95 | 1015.22 | 27 |
| Depreciation / Amortization | 3.49 | 3.13 | 12 | 13.28 | 12.06 | 10 |
| Provisions | 21.49 | 10.59 | 103 | 61.51 | 28.32 | 117 |
| PBT before EO | 329.09 | 285.54 | 15 | 1211.16 | 974.84 | 24 |
| EO | 0.00 | 0.00 | - | 0.00 | 0.00 | - |
| PBT after EO | 329.09 | 285.54 | 15 | 1211.16 | 974.84 | 24 |
| Tax Expenses | 68.15 | 66.29 | 3 | 268.22 | 223.59 | 20 |
| PAT | 260.94 | 219.25 | 19 | 942.94 | 751.25 | 26 |
| Minority Interest | 0.00 | 0.00 | - | 0.00 | 0.00 | - |
| Net Profit | 260.94 | 219.25 | 19 | 942.94 | 751.25 | 26 |
| EPS * | 20.8 | 17.5 | ? | 18.8 | 15.0 | ? |
| Equity | 100.2 | 100.0 | ? | 100.2 | 100.0 | ? |
| Adj BV (Rs) | 100.6 | 85.8 | ? | 98.2 | 84.4 | ? |
| * EPS and Adj BV are calculated on diluted equity as given for each year. Face Value: Rs 2, Figures in Rs crore, PL: Profit to Loss, LP: Loss to Profit | ||||||
| Source: Capitaline Corporate Database | ||||||
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