Housing Finance company Aptus Value Housing Finance India announced Q3FY25 results AUM crosses Rs 10,000 crore milestone, number of customers crosses 1,50,000. AUM stands at Rs 10,226 crore with a 27% YoY growth and 6% QoQ growth. PAT at Rs 191 crore with a 22% YoY growth and 5% QoQ growth. RoA at 7.70%, one of the best in the Industry. RoE at 18.54% is making steady progress, up by 144 bps YoY and by 24 bps QoQ. Borrowings further diversified – Additional funding through issuance of NCDs to MFs. Received Corporate Agency license from IRDAI. P. Balaji, Managing Director, Aptus Value Housing Finance India, said: “We are pleased to announce that the Company delivered strong performance in the third quarter of FY25. The Company reported a 22% YoY increase in net profit, reaching Rs 191 crore in the third quarter of FY25, driven by business growth, stable asset quality and a sustained focus on enhancing productivity. AUM growth was strong at 27% year-on-year driven by the addition of 36 branches in the first nine months of FY25 across both existing and new states, including Maharashtra and Odisha. The branch network spanning 6 states and 1 Union Territory has grown up to 300. Our diversified product offerings have significantly contributed to a robust and resilient income stream, positioning the company for sustained growth. Our Opex for the quarter, despite investments in new branches, Information Technology and HR continues to be good at 2.61%. As a productivity-driven organization, we are committed to maintaining the lowest cost-to-asset and cost-to-income ratios in the affordable housing finance sector. Digital adoption continues to be a key focus area as we drive growth.Our robust digital infrastructure, enabling seamless omnichannel lead generation, has played a significant role, contributing around 21% of our business through leads from our customer referral app, eco-partners app, and social media channels. During this period, the Company achieved an 88% adoption rate for digital agreements. Additionally, our digital collections were maintained at 97%, and account aggregator penetration rose to 48%. Our asset quality continues to be strong with net credit costs reducing to 32 bps from 38 bps in the previous quarter. The marginal increase in our NPA compared to the previous quarter is mainly due to macro environment and seasonality in the quarter. We will have our continued focus on soft collections and NPAs in the ensuing quarter. We continue to maintain our conservative credit cost guidance of around 35 to 40 bps. We achieved a ROA and ROE of 7.70% and 18.54% respectively, one of the best in the industry, underscoring our focus on sustainable growth, strong credit quality and operational efficiencies. As part of our funding plan, we diversified our borrowings by issuing non-convertible debentures aggregating to Rs 325 crore to Mutual Funds during Q3FY25. As on December 31, 2024, we maintained sufficient liquidity of around Rs 1,000 crore including undrawn sanctions of Rs 570 crore. The Company is well capitalized with a net worth of over Rs 4,108 crore. As part of our strategic expansion, we have broadened our geographical reach beyond south by opening 10 new branches in Maharashtra and Odisha. At the same time, we continue to reinforce our strong presence in South India, with a consolidated network of 290 branches. Moving forward, we are focused on consistent growth, aiming for an AUM increase to Rs 25,000 crore by FY 2028. Our strategy of expanding into underserved regions while maintaining strong asset quality has been key to our solid financial performance. We remain confident in the long-term potential of the affordable housing sector and will continue to expand our reach, product and service offerings to meet the evolving needs of our customers. Result PDF