Q3 2026 Aptus Value Housing Finance India Ltd Earnings Call Transcript
Key Points
- Aptus Value Housing Finance India Ltd (BOM:543335) reported a 21% year-on-year growth in assets under management (AUM), reaching INR12,330 crore.
- The company achieved a 26% year-on-year increase in net income margin, amounting to INR406 crore.
- Profitability remained strong with a 26% year-on-year growth in profit, reaching INR239 crore, and maintaining a high return on equity (ROE) of 20.2%.
- The company plans to expand its branch network significantly, with 40 new branches already operational in FY26 and plans for 60 to 70 more in the next financial year.
- Aptus Value Housing Finance India Ltd maintains a strong liquidity position with a total liquidity of INR1,877 crore, including INR1,387 crore of undrawn bank sanctions.
- The company experienced a slight uptick in gross NPA to 1.56% and net NPA to 1.18%, with a noted increase in NPA for SME loans.
- There was a conscious pullback in loans below INR7 lakh, impacting disbursement growth.
- The company anticipates a slight increase in operating expenses due to branch expansion and increased IT spending, potentially raising OpEx to assets from 2.7% to 2.8%.
- Asset quality showed some deterioration due to seasonal volatility in collections, particularly in the MSME portfolio.
- The competitive landscape, especially in Tamil Nadu, poses challenges, with increased competition from small finance banks and aggressive lending by PSU banks.
Good morning, ladies and gentlemen. I'm Swapnali, moderator of this conference. Welcome to the earnings conference call of Aptus Value Housing Finance India Limited to discuss its results for the quarter and nine months ended December 31, 2025.
This conference call may contain forward-looking statements based on the company's beliefs, assumptions, and expectations as of today. These statements are subject to risks and uncertainties, and actual results may differ materially.
(Operator Instructions) Please note that this conference is being recorded.
We have with us today Mr. M. Anandan, Executive Chairman; Mr. P. Balaji, Managing Director; Mr. C.T. Manmohan, Executive Director and Chief Business Officer; Mr. Sanjay Mittal, Chief Financial Officer; and Mr. Amit Singh from Investor Relations.
I would now like to hand over the call to Mr. M. Anandan for his opening remarks. Thank you, and over to you, sir.
Thank you. Good morning, ladies, and
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