Aptus Value Housing Finance Reports Strong Q3 FY26 Performance with 26% Profit Growth
Chennai-based Aptus Value Housing Finance India Limited has announced robust financial results for the third quarter of the fiscal year 2025-26, demonstrating significant growth in key metrics. The company reported a substantial increase in net profit, highlighting its resilient performance in the competitive housing finance sector.
Financial Highlights: Profit and Disbursement Growth
In the quarter ended December 31, 2025, Aptus Value Housing Finance posted a net profit of Rs 239 crore, marking a 26% growth compared to Rs 191 crore in the same quarter of the previous fiscal year. It is important to note that this net profit figure for Q3 FY26 excludes additional costs, specifically Rs 3.8 crore related to the new labour code and past service expenses, which provides a clearer picture of the company's operational performance.
Disbursements also showed positive momentum, growing by 11% to reach Rs 1,030 crore in Q3 FY26, up from Rs 930 crore in the year-ago quarter. This growth in disbursements reflects the company's continued efforts to expand its lending activities despite strategic shifts in its business model.
Strategic Shift to Higher-Ticket Segments
Managing Director P Balaji elaborated on the company's strategic direction in a statement issued from Chennai. He explained, "Over the past couple of quarters, we have been indicating our intent to move towards a higher-ticket segment to build a higher-quality customer base. In line with this, we discontinued sanctions below Rs 7 lakh, which has led to some moderation in disbursements this year." This move underscores Aptus Value Housing Finance's focus on enhancing portfolio quality and targeting more affluent customers, which could lead to better risk management and sustainable growth in the long term.
Additionally, the company's Assets under Management (AUM) stood at Rs 12,330 crore in Q3 FY26, as confirmed by Balaji. This metric indicates the scale of the company's managed assets and its position in the housing finance market, reinforcing its commitment to financial stability and expansion.
Implications for the Housing Finance Sector
The strong quarterly results from Aptus Value Housing Finance come at a time when the housing finance industry in India is navigating various economic challenges and regulatory changes. The company's ability to achieve profit growth while implementing strategic changes highlights its adaptability and operational efficiency. Investors and stakeholders are likely to view these results positively, as they suggest a well-managed approach to growth and customer acquisition.
Looking ahead, Aptus Value Housing Finance's focus on higher-ticket segments may set a precedent for other players in the sector, potentially driving a trend towards more selective lending practices. As the company continues to build its customer base and manage assets, its performance will be closely watched for insights into the broader health of India's housing finance market.
