Q1 2027 Aptus Value Housing Finance India Ltd Earnings Call Transcript
Key Points
- AUM grew 21% YoY to INR13,648 crore, with disbursements up 36% YoY, reflecting strong business momentum.
- Profitability remained robust with ROE above 20% and ROA at 7.8%, among the highest in the industry.
- Spreads remained stable at 9% due to declining cost of funds (8%), despite pricing rationalization.
- Branch expansion is on track with 33 new branches added in Q1, supporting the FY27 target of 60-70 branches.
- Credit costs were contained at 0.6%, within the guided range, with HFC credit cost at just 0.2%.
- Consolidated asset quality deteriorated with GNPA rising to 1.7% (from 1.52% in Q4 FY26) and 30+ DPD increasing to 6.87%.
- Collection efficiency dipped to 98.52% due to a temporary glitch in NBFC collections at the end of June, though July showed improvement.
- NBFC credit cost was higher at 1.4%, reflecting the asset quality pressure in that segment.
- The company is evaluating new lending products, which could introduce execution and credit risks in the near term.
- High field-level attrition (40-45%) remains a challenge, potentially impacting business continuity and growth.
Good morning, ladies and gentlemen. I am Danish, moderator for this conference call. Welcome to the earnings conference call of Aptus Value Housing Finance India Limited to discuss its results for the quarter ended June 30, 2026.
This conference call may contain forward-looking statements, based on the company's beliefs, assumptions, and expectations, as of today's date. These statements are subject to risks and uncertainties. Actual results may differ materially.
(Operator Instructions)
We have with us today Mr. M Anandan, Executive Chairman; Mr. P Balaji, Managing Director; Mr. CT Manoharan, Executive Director and Chief Business Officer; Mr. Sanjay Mittal, Chief Financial Officer.
I would now like to hand the conference over to Mr. Anandan for his opening remarks. Thank you and over to you, sir.
Yeah. Thank you. Good morning, ladies and gentlemen. I am Anandan, Executive Chairman of the company. I warmly welcome you all to this earnings call.
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