NEW DELHI: Aptus Value Housing Finance India has reported a growth of 23.98 per cent in its net consolidated profit during the quarter ended December 31, 2025. Its profit after tax (PAT) stood at ₹236.18 crore as against ₹190.50 crore it registered in the corresponding quarter of the previous fiscal, the company said in a BSE filing.
The company’s net consolidated total income stood at ₹568.53 crore in Q3 FY26, a rise of 22.35 per cent from ₹464.68 crore it recorded in the similar quarter last year.
P. Balaji, managing director of the company said, “We expanded our network to 335 branches, adding 37 new locations during the calendar year. The Opex ratio remained largely flattish in 9M FY26 to 2.7%, leading to an operating profit growth of 28% year-on-year to ₹933 crore. The credit cost for the 9M FY26 remained at 50 bps, within our guided range. Over the past couple of quarters, we have been indicating our intent to move towards a higher-ticket segment to build a higher-quality customer base. In line with this, we discontinued sanctions below ₹7 lakh, which has led to some moderation in disbursements this year. Despite this, we expect to close the current year at 20-21% AUM growth. Looking ahead, we expect to deliver sustainable AUM growth of 22–24%, driven by new branch additions, channel augmentation, higher ATS, calibrated lending rate on incremental home loans without compromising on NIMs & improved productivity.”
As on December 31, 2025, its net worth stood at ₹4,095.31 crore, debt-equity ratio stood at 1.21, total debt to total assets ratio was 0.55, operating margin was 52.26%, net profit margin was 44.24%, gross non-performing assets (NPA) was 1.19%, net NPA was 0.90% and liquidity coverage ratio was 195%.
Its asses-under-management (AUM) as of December 31, 2025 was at ₹12,330 crore, registering a growth of 21% year-on-year. Disbursements in Q3 FY26 were at ₹1,030 crore, witnessing a growth of 11%. 9M FY26 disbursements were at ₹2,768 crore, growing 9% year-on-year.
