Aptus Value Housing Finance India announced Q4FY26 & FY26 results Consolidated Financial Highlights: Annual Interest Income for FY26 stood at Rs 1,995 crore, compared to Rs 1,670 crore in FY25. Annual Profit After Tax (PAT) for FY26 was Rs 943 crore, reflecting a growth of 26% YoY from Rs 751 crore in FY25. Annual Profit Before Tax (PBT) reached Rs 1,211 crore in FY26, an increase of 24% YoY from Rs 975 crore in FY25. Net Income Margin for the full year FY26 was Rs 1,598 crore, growing by 27% YoY from Rs 1,258 crore in FY25. Interest Income for Q4FY26 was Rs 529 crore, representing a QoQ growth of 4.13% from Rs 508 crore in Q3FY26. Profit After Tax (PAT) for Q4FY26 was Rs 261 crore, an increase of 10.59% QoQ from Rs 236 crore in Q3FY26. Profit Before Tax (PBT) for Q4FY26 stood at Rs 328 crore, up 7.89% QoQ from Rs 304 crore in Q3FY26. Net Income Margin for Q4FY26 was Rs 434 crore, reflecting an increase of 6.90% QoQ from Rs 406 crore in Q3FY26. Net worth of the company grew to Rs 5,060 crore as of March 31, 2026, compared to Rs 4,317 crore as of March 31, 2025. Total Assets as of March 31, 2026, were Rs 13,043 crore. Standalone Financial Highlights: Assets Under Management (AUM) as of Q4FY26 stood at Rs 13,107 crore, growing by 21% YoY and 6% QoQ. Disbursements for Q4FY26 reached Rs 1,242 crore, the highest ever quarterly figure, reflecting an increase of 17% YoY and 21% QoQ. Annual Disbursements for FY26 were Rs 4,009 crore, up 11% YoY from Rs 3,604 crore in FY25. Pre Provision Operating Profit (PPoP) for Q4FY26 was Rs 344 crore, up 24% YoY and 7% QoQ. Annual Pre Provision Operating Profit (PPoP) for FY26 stood at Rs 1,274 crore, a 27% YoY increase. Profit After Tax (PAT) for Q4FY26 was Rs 261 crore, growing by 26% YoY and 11% QoQ. Annual Profit After Tax (PAT) for FY26 reached Rs 943 crore, an increase of 26% YoY. Return on Assets (RoA) and Return on Equity (RoE) for Q4FY26 were 8.2% and 21.2% respectively. Annual RoA for FY26 was 7.9% (up 14 bps YoY) and RoE was 20.1% (up 135 bps YoY). Gross NPA and Net NPA as of Q4FY26 stood at 1.52% and 1.15% respectively. The Net Income Margin (NIM) to Assets ratio was 13.3% for FY26. Business Highlights Segment-wise Performance (AUM): The Housing Finance Company (HFC) portfolio stood at Rs 9,306 crore, comprising Home Loans (67%), Quasi Home Loans (25%), Insurance Loans (4%), and Top up Loans (3%). The NBFC portfolio stood at Rs 3,801 crore, consisting entirely of Small Business Loans and Non-Home Loans. Geographical Performance (AUM): Andhra Pradesh: Rs 5,663 crore, growing 23% YoY. Tamil Nadu: Rs 4,112 crore, growing 14% YoY. Telangana: Rs 2,204 crore, growing 26% YoY. Karnataka: Rs 985 crore, growing 17% YoY. Odisha and Maharashtra: Rs 143 crore, growing 165% YoY. Distribution and Reach: The branch network expanded to 339 branches as of Q4FY26, with 4 branches becoming operational during the final quarter. The company operates across 7 States and Union Territories. Customer Profile: The company serves 1.88 lakh customers as of FY26, a 16% YoY increase. 80% of the borrowers are self-employed, 74% belong to the Low Income Group (LIG), and 85% of the business is focused on rural areas. Digitization: Technology adoption remains strong with over 92% of agreements executed digitally and 94% of collections performed through digital channels. Asset Quality: Collection efficiency stood at 100.50% in Q4FY26. The 30+ Days Past Due (DPD) percentage saw a decline to 6.21% from 6.48% in the previous quarter. Funding Mix: The company maintains a diversified funding base consisting of Term Loans (57.6%), Securitization/Direct Assignment (19.2%), NCDs (14.6%), and NHB refinancing (8.6%). P. Balaji, Managing Director, said:"Q4FY26 saw a further strengthening of our growth momentum, aided by technology enhancements and ongoing process improvements, alongside continued focus on credit quality. AUM grew 21% to Rs 13,107 crore in Q4FY26, driven by highest ever quarterly disbursements of Rs 1,242 crore, reflecting growth of 21% QoQ and 17% YoY." "During the year, in line with our intent to on-board higher-quality customers, we discontinued sanctions below Rs 7 lakh. While this decision led to temporary moderation in disbursements in Q1 and Q2, we rebounded strongly in Q4. We witnessed this growth momentum continuing into April’26 as well. This has helped set a strong foundation for sustained business momentum and reinforced alignment of field execution with our policies." "On the asset quality front, this quarter saw improvement in collections efficiency, leading to a reduction in GNPA and 30+ DPD. 30 + DPD saw a decline of 27 bps sequentially to 6.21%. We closed the year with a GNPA of 1.52% as against 1.19% in FY25. Net NPA was at 1.15% as against 0.89% in FY25. The increase is primarily due to slight increase in NPA of NBFC." "On the profitability side, the total income grew 25% YoY to Rs 2,246 crore, in FY26. Our spreads for FY26 improved to 8.9%, driven by decline in cost of funds to 8.3%. The Opex ratio increased marginally 8 bps YoY in FY26. The credit cost for FY26 remained at 50 bps, within our guided range." "The net profit for the quarter came in at Rs 261 crore, growth of 26% YoY. The RoA/RoE for the quarter came in at 8.2%/21.2% respectively. The net profit for FY26 came in at Rs 943 crore, growth of 26% YoY, translating to an RoA/RoE of 7.9%/20.1% respectively, among the best in industry." "Looking ahead, with key initiatives underway—we are confident of delivering 22–24% AUM growth in FY27. This growth will be supported by expansion in newer states of Maharashtra and Odisha and deeper penetration in existing markets, channel augmentation, higher average ticket sizes, calibrated lending rates on incremental loans, and improved productivity." Result PDF