Aptus Value Housing Finance India Limited — PPTs, 31-10-2025: Investor Presentation

Aptus Value Housing Finance posted resilient Q2 FY26 results. AUM grew 22% YoY to ₹11,767 Cr, with disbursements up 24% QoQ to ₹963 Cr. Profit After Tax (PAT) surged 24% YoY to ₹227 Cr for the quarter, and H1 PAT rose 26% YoY to ₹446 Cr. Strong RoA of 7.9% and RoE of 20.0% showcase industry-leading profitability, with spreads improving to 8.9%. Asset quality saw a slight uptick in GNPA to 1.55% (+6 bps QoQ), but early delinquencies (30+ DPD) improved to 6.34%.

Growth strategy focuses on expanding into Maharashtra and Odisha while deepening presence in existing states, adding 20 branches this quarter for a total of 321. The company continues to leverage technology for efficiency, boasting over 90% digital agreements and over 95% digital collections.

A key development was the upgrade of its long-term credit rating to [ICRA]AA (Stable), now matching CARE's AA (Stable). Management aims for ₹25,000 Cr AUM in the medium term, targeting over 25% sustained growth, backed by robust tech-driven underwriting.