Aptus Value Housing Finance India Ltd (NSE:APTUS)

Q2 2026 Aptus Value Housing Finance India Ltd Earnings Call Transcript

Oct 31, 2025 / 04:30 AM GMT

Transcript

Key Points

Positve

Aptus Value Housing Finance India Ltd (BOM:543335) reported a 27% year-over-year increase in total income, reaching 534 crores.
The company achieved a 24% growth in disbursements in Q2 2026 compared to Q1 2026, despite challenges.
Aptus Value Housing Finance India Ltd (BOM:543335) maintained a strong liquidity position with about 1,700 crores, including 1,100 crores of term sanctions.
The company has successfully expanded its branch network, adding 22 new branches in the second quarter.
The company's focus on digital enablement and process efficiency has led to improved data accuracy and process control.

Negative

The company's Gross Non-Performing Assets (GNPA) increased slightly by 6 basis points to 1.55%.
There was a conscious decision to stop logging loans below 7 lakhs, which may impact short-term growth.
Credit costs increased to 50 basis points due to a change in accounting policy, which now requires a 100% write-off of outstanding loans beyond 500 days.
The company's disbursement growth of 8% year-over-year for the half-year was lower than expected.
There were temporary weather-related disruptions that affected business operations in certain regions.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

APTS.NS - Aptus Value Housing Finance India Ltd
Q2 2026 Aptus Value Housing Finance India Ltd Earnings Call
Nov 01, 2025 / 04:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to A Value Housing Finance India Limited Q2 and F 526 earning conference call hosted by dollar Capital. As a reminder, all participant lines will in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing, then 0 on your touchtone phone. I now hand the conference over to Mona Kean from Dollar Capital.

Thank you and over to you, ma'am.

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Unidentified_2 [2]
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