Aptus Value Housing Finance India Limited on six May 2026 reported results for the quarter and year ended 31 March 2026. Assets under management (AUM) stood at Rs 131.07 bn, up 21 per cent year on year. The company said improved field execution and sustained demand supported the growth.

Disbursements in the fourth quarter were Rs 12.42 bn, up 17 per cent year on year, and full year disbursements were Rs 40.09 bn, up 11 per cent. Total income for FY26 was Rs 22.46 bn, up 25 per cent, and net profit for the year was Rs 9.43 bn, a rise of 26 per cent. Quarterly net profit was Rs 2.61 bn.

For the quarter return on assets and return on equity were eight point two per cent and 21.2 per cent respectively, with annual figures at seven point nine per cent and 20.1 per cent. Spreads improved to eight point nine per cent as the cost of funds declined to eight point three per cent. The operating expense ratio was two point seven per cent and credit cost for the year was zero point five per cent.

Collection efficiency improved and gross non-performing assets fell to one point five two per cent while net non-performing assets were one point one five per cent for the year. Thirty day plus delinquency declined by twenty seven basis points to six point two one per cent, though exposure to non-bank financial companies rose slightly. The company said these trends reflect recovery in collections and selective underwriting.

The lender expanded its branch network to 339 and served 188,000 customers across six states, with 92 per cent of agreements executed digitally and 94 per cent of collections through digital channels. It plans to accelerate branch additions and expects AUM growth of 22-24 per cent in FY27 supported by geographic expansion, channel augmentation and higher ticket sizes. Management noted ongoing investment in data-led underwriting and account aggregator integration to support growth.