Q2 2025 Aptus Value Housing Finance India Ltd Earnings Call Transcript
Key Points
- Aptus Value Housing Finance India Ltd (BOM:543335) reported a strong AUM growth of 27% year-on-year, reaching INR9,679 crores.
- The company achieved a 22% year-on-year increase in profit after tax, amounting to INR354 crores.
- Net interest margin (NIM) was robust at 13.02%, indicating strong profitability.
- The company maintained a high collection efficiency of 99.28%, reflecting effective credit management.
- Aptus expanded its branch network significantly, opening 24 new branches in the quarter, with plans to add a total of 40 branches for the year.
- Non-performing assets (NPA) stood at 1.25%, which, while manageable, indicates room for improvement in asset quality.
- The company's provisioning increased due to conservative accounting policies, impacting profitability.
- There is a notable attrition rate at the sales officer level, between 25% to 30%, which could affect operational stability.
- The growth in the LAP (Loan Against Property) segment was lower at 12% year-on-year, lagging behind overall company growth.
- The company faces internal challenges in the Tamil Nadu market, impacting its growth in that region.
Ladies and gentlemen, good day and welcome to Aptus Value Housing Finance India Limited Q2 FY25 earning conference call hosted by Dolat Capital. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Ms. Mona Khetan from Dolat Capital. Thank you and over to you, ma'am. Please go ahead.
-- earnings conference call of Aptus Value Housing Finance to discuss its Q2 and H1 FY25 performance. We have with us the senior management from Aptus to share their industry and business insights.
I would now like to hand over the call to Mr. Anandan, Executive Chairman Aptus for his opening comments. Over to you, sir.
Thank you. Thank you, Mona. Ladies and gentlemen, good afternoon to all of you. I am Anandan, Executive Chairman of the company. I welcome you all to the conference call to discuss the company performance for the quarter half
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