Aptus Value Housing Finance India Limited — PPTs, 31-07-2025: Investor Presentation

**1. Financial Highlights:**

Aptus Value Housing Finance posted strong Q1 FY26 results. PAT increased 28% YoY to ₹219 Cr. AUM grew 24% YoY to ₹11,267 Cr, with disbursements up 15% YoY to ₹775 Cr. Net Interest Margin (NIM) rose 30% YoY to ₹370 Cr, maintaining an 8.7% spread. RoA stood at 7.9% and RoE at 20.1%. Gross NPA saw a seasonal rise to 1.49%.

**2. Strategic Initiatives & Growth Drivers:**

Expansion is a key driver: 15 new branches planned for Q2 FY26, with positive early signs from Maharashtra & Odisha. This supports the ambitious AUM target of ₹25,000 Cr by FY28-29. Tech investments boost efficiency, evidenced by high digital agreements (>90%) & collections (94%).

**3. Business Developments:**

Aptus' in-house operating model ensures fast turnaround times and low operational risk. Their mobile-first digital Loan Origination System (LOS) streamlines customer onboarding. Robust, tech-enabled centralized underwriting, powered by machine learning, enables efficient credit decisions.

**4. Market Position & Competitive Advantage:**

Aptus holds a strong South India presence, now expanding contiguously. Its competitive edge: niche focus on self-employed, first-time homebuyers in semi-urban areas. A recent CARE AA; Stable rating upgrade highlights strong asset quality. The efficient in-house model delivers low operating costs and sustainable returns.

**5. Investor Implications:**

Consistent AUM/PAT growth and strong RoA/RoE signal positive growth potential. Geographic expansion offers clear scaling opportunities. Digital integration points to enhanced efficiency. While Q1 saw a seasonal GNPA uptick, risk management appears effective.