Aptus Value Housing Finance India Ltd
NSE:APTUS
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Aptus Value Housing Finance India Ltd
NSE:APTUS
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IN |
Aptus Value Housing Finance India Ltd
Aptus Value Housing Finance India Ltd is a housing finance company in India that gives home loans and loans against property, mostly to self-employed and lower- to middle-income borrowers. It focuses on people in smaller towns and semi-urban areas who may not qualify easily with large banks because their income is informal or harder to document. The company makes money mainly by lending at interest and collecting processing and other loan-related fees. Its core products are used to buy, build, improve, or refinance homes, and to borrow against residential property for personal or business needs. The company underwrites these loans itself and earns income over the life of each loan. What makes Aptus different is its niche in affordable housing finance, especially for customers outside major cities. It acts as a specialist lender that understands local borrowers, property values, and repayment patterns better than many general lenders. That gives it a specific role in the housing finance chain: turning property ownership into accessible credit for households that need practical, relationship-based lending.
Aptus Value Housing Finance India Ltd is a housing finance company in India that gives home loans and loans against property, mostly to self-employed and lower- to middle-income borrowers. It focuses on people in smaller towns and semi-urban areas who may not qualify easily with large banks because their income is informal or harder to document.
The company makes money mainly by lending at interest and collecting processing and other loan-related fees. Its core products are used to buy, build, improve, or refinance homes, and to borrow against residential property for personal or business needs. The company underwrites these loans itself and earns income over the life of each loan.
What makes Aptus different is its niche in affordable housing finance, especially for customers outside major cities. It acts as a specialist lender that understands local borrowers, property values, and repayment patterns better than many general lenders. That gives it a specific role in the housing finance chain: turning property ownership into accessible credit for households that need practical, relationship-based lending.
Growth reaccelerated: Aptus said Q4 was its strongest quarter for disbursements, with INR 1,242 crores in Q4 and INR 4,009 crores for FY '26, helped by process improvements, technology upgrades and a deliberate move toward larger-ticket customers.
Quality first: The company stopped originating loans below INR 7 lakhs during the year, saying this hurt near-term disbursements earlier in the year but improved customer quality and helped collections rebound.
Profitability held up: Profit rose 26% year-on-year in Q4 to INR 261 crores, with ROE at 21.2% and management saying it still sees sustainable ROE above 20%.
Guidance reiterated: Management kept its growth ambition intact, guiding for 22% to 24% AUM growth and saying credit cost should remain around 0.5% plus or minus 0.1%.
Expansion plan: The branch network ended FY '26 at 339 branches, and the company plans to add around 60 branches in FY '27, with expansion into Maharashtra, Odisha, Andhra Pradesh and Telangana.
Funding stable: Borrowings remained diversified, liquidity was INR 2,057 crores, and management said NHB borrowings may rise again after a pause because other funding sources were cheaper during FY '26.
