Housing Finance company Aptus Value Housing Finance India announced Q1FY26 results AUM: Rs 11,267 crore compared to Rs 9,072 crore during Q1FY25, change 4%. PAT: Rs 219 crore compared to Rs 172 crore during Q1FY25, change 6%. Spread: 8.73% for Q1FY26. Gross NPA: 1.49% for Q1FY26. ROA: 7.93% for Q1FY26. ROE: 20.09% for Q1FY26. P. Balaji, Managing Director, said: “Q1FY26 was a stable quarter for Aptus, driven by continued focus on consistent growth and profitability. Despite some seasonal headwinds, disbursements rose to Rs 775 crore, up 15% YoY, while AUM grew 24% to Rs 11,267 crore. Our customer base grew 20% YoY to 1.65L customers, while our branch presence reached 301. On the profitability side, our spreads continue to hold up strongly at 8.7%. The Opex continues to remain lower at 2.7%, leading to an operating PAT growth of 31% YoY to Rs 296 crore. On the asset quality side, we saw slight increase in delinquency, driven by seasonality, leading to 19 bps sequential rise in our GNPAs to 1.49%. The credit cost was sequentially up by 8 bps but remain under our 45–50 bps credit cost guidance. Net profit for the quarter came in at Rs 219 crore, translating to an RoA/RoE of 7.9%/20.1% respectively—among the best in the industry. Our sustainable RoAs are backed by a well-diversified product mix and a customer base with varied income profiles, ensuring stability across market cycles. We continued to lead in digital adoption, achieving >90% digital agreements and 94% digital collections. Our strong tech and analytics capabilities enabled safe, scalable operations across regions. Our long-term credit rating was upgraded to CARE AA; Stable from CARE AA-; Positive, reflecting strong asset quality, healthy profitability, and robust capitalization. "We have a strong presence in the southern geographies, and we've begun expanding into states like Maharashtra and Odisha — the initial experience has been encouraging, setting the stage for accelerated growth in these markets. With this momentum, we are confident that Aptus is well-positioned to reach an AUM of Rs 25,000 crore by FY29." Result PDF