NEW DELHI: Aptus Value Housing Finance India has reported a 23.98% increase in net consolidated profit for the quarter ending December 31, 2025. The profit after tax (PAT) reached ₹236.18 crore, compared to ₹190.50 crore in the same quarter last year, according to a BSE filing.
The company’s net consolidated total income for Q3 FY26 was ₹568.53 crore, reflecting a 22.35% rise from ₹464.68 crore recorded in the corresponding quarter last year.
P. Balaji, managing director, stated, “We have expanded our network to 335 branches, adding 37 new locations over the calendar year. The Opex ratio remained stable at 2.7% for 9M FY26, contributing to a 28% year-on-year operating profit growth to ₹933 crore. Our credit cost for 9M FY26 was 50 bps, aligning with our guidance. Recently, we’ve aimed for a higher-ticket segment to establish a more robust customer base. Accordingly, we’ve stopped sanctioning loans below ₹7 lakh, resulting in some reduction in disbursements this year. Despite this, we anticipate ending the current year with 20-21% AUM growth and foresee sustainable AUM growth of 22-24%, driven by new branch openings, channel enhancements, a higher average ticket size, calibrated lending rates on new home loans, and improved productivity without compromising net interest margins.”
As of December 31, 2025, the company’s net worth was ₹4,095.31 crore, with a debt-equity ratio of 1.21, a total debt to total assets ratio of 0.55, an operating margin of 52.26%, a net profit margin of 44.24%, gross non-performing assets (NPA) at 1.19%, net NPA at 0.90%, and a liquidity coverage ratio of 195%.
As of December 31, 2025, the assets under management (AUM) reached ₹12,330 crore, marking a 21% year-on-year growth. Disbursements in Q3 FY26 totaled ₹1,030 crore, reflecting an 11% increase. For the first nine months of FY26, disbursements totaled ₹2,768 crore, growing 9% year-over-year.
