APTUS
Aptus Value Housing Finance India share price & financials
- Price
- ₹306.85
- Market cap
- ₹12.5k Cr
- Sector
- Financial Services
- Calls analysed
- 8
Aptus Value Housing Finance India Limited Q1 FY27
What went well
- AUM grew by 21% Y-o-Y to INR13,648 crores, reflecting strong business momentum.
- Disbursements reached INR1,053 crores, growing 36% Y-o-Y, with broad-based growth across geographies and channels.
- Net income margin increased 19% Y-o-Y to INR441 crores, and profit grew 19% Y-o-Y to INR261 crores.
What to watch
- 30+ DPD stood at 6.87% in Q1 FY27, an increase from 6.21% in Q4 FY26.
- GNPA increased to 1.7% in Q1 FY27 from 1.52% in Q4 FY26, and Net NPA rose to 1.29% from 1.15%.
What Aptus Value Housing Finance India Limited does
Aptus Value Housing Finance is a retail-focused housing finance company that lends to self-employed customers in semi-urban and rural Tier-2/3/4 locations, primarily first-time home buyers and small-business owners. It writes home loans and quasi-home loans through the HFC entity and secured, non-housing small business loans through a wholly-owned NBFC subsidiary, with all loans secured against property. The company runs a fully in-house model — its own staff handle origination, credit, legal/technical appraisal and collections rather than outsourcing to DSAs — supported by a mobile-first digital loan-origination and collections platform.
Segments
- Housing Finance (HFC)
- Small Business & Non-Housing Loans (NBFC)
- Branches
- 339
- Customers
- 1.88 lakh
- Employees
- 3807
- States & UTs covered
- 7
- States of operation
- Andhra Pradesh, Tamil Nadu, Telangana, Karnataka, Maharashtra, Odisha
- In-house workforce split
- ~2,181 in origination, 342 in credit, 300 in legal/technical, 751 in collections, 233 in HO/operations
Guidance record · Q1 FY27
what the last two calls moved 23 tracked 3 delivered 5 missed 15 open- Opex to Assets delivered said Q3 FY25 Promised: around 2.7% for FY25 Q1 FY27: No new update for FY25. Historical achievement remains.
- AUM Growth missed said Q2 FY25 Promised: 30% for FY25 Q1 FY27: No new update for FY25. Historical miss remains.
- AUM delayed said Q3 FY25 Promised: ₹25,000 crores by FY 2028 Q1 FY27: Management discusses growth from '15,000 to 25,000 or from 25,000 to upwards of 50,000 over a period of time', but provides no update to the delayed FY29 timeline.
All 23 tracked — every revision, and every one management stopped mentioning.
Open the guidance ledgerQuarterly results
Q1 FY27: revenue up 15.4%, net profit up 19.2% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 421 | 450 | 484 | 520 | 544 +29% | 554 +23% | 574 +19% | 600 +15% |
| EBITDA | 353 | 383 | 409 | 439 | 453 +28% | 455 +19% | — | — |
| Net profit | 182 | 190 | 207 | 219 | 227 +25% | 236 +24% | 261 +26% | 261 +19% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Performance −26.9% 1Y
1Y: ₹340.7 on 10 Sept 2025 → ₹249.11. High ₹340.7 (10 Sept 2025), low ₹194.57 (30 Mar 2026).
How the price took the results
close before → close after
- Q1 FY27
- +0.9%
- 1 Aug
- Q4 FY26
- +2.9%
- 7 May
- Q3 FY26
- −1.1%
- 5 Feb
- Q2 FY26
- −5.1%
- 1 Nov
The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.
Financials, as filed
Revenue grew 26.1% a year over 3 years, FY23 to FY26.
| Year ending | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Revenue | ₹1.1k Cr | ₹1.4k Cr | ₹1.8k Cr | ₹2.2k Cr |
| Operating profit | ₹899 Cr | ₹1.1k Cr | ₹1.5k Cr | — |
| Operating margin | 82.3% | 83.7% | 84.5% | — |
| Interest | ₹276 Cr | ₹388 Cr | ₹541 Cr | ₹648 Cr |
| Depreciation | ₹8 Cr | ₹9 Cr | ₹12 Cr | ₹13 Cr |
| Net profit | ₹503 Cr | ₹612 Cr | ₹751 Cr | ₹943 Cr |
| Net margin | 46.0% | 44.8% | 42.9% | 43.0% |
| Cash from operations | ₹-1.0k Cr | ₹-1.4k Cr | ₹-1.4k Cr | ₹-489 Cr |
| Free cash flow | ₹-1.1k Cr | ₹-1.4k Cr | ₹-1.4k Cr | ₹-496 Cr |
| ROE | 16.0% | 17.0% | 19.0% | 20.0% |
How to read this
From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.
Balance sheet
| Year ending | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| Equity capital | ₹95 Cr | ₹99 Cr | ₹100 Cr | ₹100 Cr | ₹100 Cr | ₹100 Cr |
| Reserves | ₹1.9k Cr | ₹2.8k Cr | ₹3.2k Cr | ₹3.7k Cr | ₹4.6k Cr | ₹5.0k Cr |
| Borrowings | ₹2.5k Cr | ₹2.7k Cr | ₹3.8k Cr | ₹5.2k Cr | ₹7.3k Cr | ₹7.9k Cr |
| Other liabilities | ₹26 Cr | ₹39 Cr | ₹41 Cr | ₹37 Cr | ₹54 Cr | ₹84 Cr |
| Total liabilities | ₹4.5k Cr | ₹5.7k Cr | ₹7.2k Cr | ₹9.0k Cr | ₹12.0k Cr | ₹13.0k Cr |
| Fixed assets | ₹10 Cr | ₹12 Cr | ₹15 Cr | ₹22 Cr | ₹38 Cr | ₹39 Cr |
| Capital work in progress | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Investments | ₹53 Cr | ₹102 Cr | ₹51 Cr | ₹51 Cr | ₹240 Cr | ₹240 Cr |
| Other assets | ₹4.5k Cr | ₹5.6k Cr | ₹7.1k Cr | ₹8.9k Cr | ₹11.7k Cr | ₹12.8k Cr |
| Total assets | ₹4.5k Cr | ₹5.7k Cr | ₹7.2k Cr | ₹9.0k Cr | ₹12.0k Cr | ₹13.0k Cr |
How to read this
As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.
Who owns it
As disclosed at Jun 2026
Since Jun 2025, promoters trimmed −16.51 pp while DIIs added +13.86 pp.
- Promoters
- 23.9%
- FIIs
- 30.0%
- DIIs
- 29.9%
- Public
- 16.3%
Since Jun 2025
- Promoters −16.51 pp
- DIIs +13.86 pp
- Public +3.08 pp
How it drifted, 12 quarters
Over this window promoters fell from 62.1% to 23.9% — −38.3 pp.
Ownership split by quarter, oldest first. Sep '23: Promoters 62.1%, FIIs 14.8%, DIIs 2.8%, Public 20.3%.Dec '23: Promoters 62.1%, FIIs 15.4%, DIIs 5.2%, Public 17.3%.Mar '24: Promoters 61.1%, FIIs 19.6%, DIIs 5.1%, Public 14.2%.Jun '24: Promoters 54.1%, FIIs 22.8%, DIIs 9.1%, Public 14.0%.Sep '24: Promoters 53.9%, FIIs 22.4%, DIIs 9.5%, Public 14.2%.Dec '24: Promoters 53.0%, FIIs 21.9%, DIIs 9.7%, Public 15.5%.Mar '25: Promoters 53.0%, FIIs 27.7%, DIIs 9.9%, Public 9.4%.Jun '25: Promoters 40.4%, FIIs 30.4%, DIIs 16.0%, Public 13.2%.Sep '25: Promoters 23.9%, FIIs 35.4%, DIIs 25.9%, Public 14.9%.Dec '25: Promoters 23.9%, FIIs 33.2%, DIIs 27.3%, Public 15.7%.Mar '26: Promoters 23.9%, FIIs 30.3%, DIIs 29.4%, Public 16.4%.Jun '26: Promoters 23.9%, FIIs 30.0%, DIIs 29.9%, Public 16.3%.
Who bought this quarter
since Mar 2026
Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.
- SBI Conservative Hybrid Fund Mutual fund newly disclosed 9.39% held
- Bandhan Multi Asset Allocation Fund Mutual fund newly disclosed 1.82% held
- ICICI Prudential Banking And Financial Services Fu Mutual fund newly disclosed 1.24% held
- Nippon Life India Trustee Ltd-a/c Mutual fund newly disclosed 1.17% held
- Axis Mutual Fund Trustee Limited A/C Mutual fund newly disclosed 1.12% held
- Kuwait Investment Authority Fund 601 Sovereign newly disclosed 1.06% held
- Kotak Small Cap Fund Mutual fund +0.44 pp 4.83% held
- Government Pension Fund Global Sovereign +0.27 pp 3.18% held
The same filing shows 2 holders trimming and 5 off the list — both are in the register beside this.
Who is on the register
Named in the Jun 2026 filing
Every holder of Aptus Value Housing Finance India Limited above SEBI's 1% disclosure line, and what changed since Mar 2026.
| Holder | Stake | Change |
|---|---|---|
| Munuswamy Anandan | 19.20% | unchanged |
| SBI Conservative Hybrid Fund Mutual fund | 9.39% | newly disclosed |
| Kotak Small Cap Fund Mutual fund | 4.83% | +0.44 pp |
| Malabar India Fund Limited FPI fund | 4.36% | +0.22 pp |
| Government Pension Fund Global Sovereign | 3.18% | +0.27 pp |
| Smallcap World Fund, Inc Global fund house | 2.74% | −0.71 pp |
| Aditya Birla Sun Life Trustee Private Limited A/C Mutual fund | 2.71% | unchanged |
| Padma Anandan | 2.69% | unchanged |
| Wf Asian Smaller Companies Fund Limited FPI fund | 2.32% | −0.48 pp |
| Bandhan Multi Asset Allocation Fund Mutual fund | 1.82% | newly disclosed |
| Akash Bhanshali | 1.52% | +0.15 pp |
| Border To Coast Emerging Markets Equity Fund, A Su FPI fund | 1.27% | unchanged |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
Mutual funds in APTUS
Filings to Aug 2026
0 new, 4 added, 2 trimmed, 0 sold out — net −6.83 L shares (−1.2%).
- Held by funds
- ₹1.4k Cr
- 17 schemes
- Biggest holder
- SBI Smallcap Fund
- ₹486 Cr · 1.1% of that fund
| Scheme | Holding | Last month | Held since |
|---|---|---|---|
| SBI Smallcap Fund SBI Mutual Fund | ₹486 Cr | held | Apr '24 |
| SBI MultiCap Fund SBI Mutual Fund | ₹266 Cr | held | Nov '23 |
| SBI Banking And Financial Services Fund SBI Mutual Fund | ₹185 Cr | held | Sep '23 |
| SBI Flexicap Fund SBI Mutual Fund | ₹176 Cr | held | Jun '25 |
| Nippon India Banking & Financial Services Fund Nippon India Mutual Fund | ₹85 Cr | held | Apr '26 |
| Nippon India Flexi Cap Fund Nippon India Mutual Fund | ₹56 Cr | held | Apr '26 |
| HDFC Business Cycle Fund HDFC Mutual Fund | ₹52 Cr | −6.93 L | Apr '25 |
| SBI Conservative Hybrid Fund SBI Mutual Fund | ₹34 Cr | held | Nov '23 |
HDFC, Nippon India and SBI schemes, from their monthly disclosures. Changes are counted in shares, so a price move never looks like buying or selling.
Mutual funds Aug 2026
4 added, 2 trimmed — net −6.83 L shares (−1.2%)
- Funds are sitting on
- +3%
- vs est. average cost
- Held by funds
- ₹1.4k Cr
- 17 schemes · ≈ 14% of the company
- Biggest holder
- SBI Smallcap Fund
- ₹486 Cr · 1.1% of that fund
- Longest holder
- Nippon India Nifty Smallcap 250 Index Fund
- 4y 6m · since Mar '22
Shares held by these funds +36987%
Aug '23 5.60 cr shares Jul '26
All earnings calls (8)
Read the Q1 FY27 call →Learn to analyse Aptus Value Housing Finance India Limited
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