Aptus Value Housing Finance India
- Market cap
- ₹ 9,898 Cr.
- P/E
- 10x
- P/B
- 2x
- 52-week range
- 192.2 – 322.75
- ROE
- 20%
- Dividend yield
- 2.2%
- Debt / equity
- 1.56
- Sector
- Finance
- Industry
- Housing Finance Company
- Listed on
- NSE, BSE
About
Aptus Value Housing Finance India Ltd. is an India-based home loan company. The Company is engaged in addressing the housing finance needs of self-employed people belonging to low- and middle-income families primarily from semi-urban and rural markets. It offers Home Loans, Loan Against Property (LAP), and Insurance. Home Loans are offered to construct a house/flat on the land owned, purchase a flat or a house from a builder, construct or purchase a house/flat on a secondhand basis, renovation or extension of a house and purchase of a plot of land for construction. It offers tenure up to 15 years and amounts to 85% of the value of the property. LAP are loans offered for refinancing of funds used for the purpose of construction/purchase of a house. LAP has two products, namely, LAP - Construction and LAP - Purchase. It enables customers to select a tenure ranging from 5 to 15 years and repay the loan.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Housing Finance Company: 20 companies →Aptus Value Housing Finance India against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)10 against a typical 12.9: cheaper than most peers (1st = cheapest).7th of 19
- Sales growth+15.4% against a typical +8.5% from a year earlier.7th of 18
- Profit growth+19.2% against a typical +19% from a year earlier.8th of 17
- Share price, 3 months−28.2% against a typical −12.3%.15th of 19
- Size₹ 9,897.7 Cr. market value against a typical ₹ 6,610.8 Cr. (1st = largest).8th of 19
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
High safety
Rated AA by 2 agencies- All agencies agree and none has raised a warning.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| CARE | CARE AA | Stable | 21 Aug 2026 |
| ICRA | [ICRA]AA | Stable | 12 Aug 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 21 Aug 2026 | Reaffirmed | CARE AA | — | CARE | ₹ 4,745 Cr. | |
| 12 Aug 2026 | Reaffirmed | [ICRA]AA | — | ICRA | ₹ 2,686 Cr. | |
| 2 Jul 2026 | Reaffirmed | CARE AA (SO) → CARE AA | — | CARE | ₹ 4,295 Cr. | |
| 16 Jun 2026 | ▲ Upgrade3 notches | CARE A (SO) → CARE AA (SO) | — | CARE | ₹ 16.64 Cr. |
Research by Minerva Capital Research Solutions
Our research team's work on Aptus Value Housing Finance IndiaAlso covered in
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 4 Nov 2026Upcoming | Financial Results/Dividend | To consider and approve the financial results for the period ended September 30, 2026 and dividend |
| 31 Jul 2026 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2026 |
| 6 May 2026 | Financial Results/Dividend/Fund Raising | To consider and approve the financial results for the period ended March 31, 2026, dividend and Fund Raising |
| 4 Feb 2026 | Financial Results | To consider and approve the financial results for the period ended December 31, 2025 |
| 31 Oct 2025 | Financial Results/Dividend | Aptus Value Housing Finance India Ltd has informed NSE that the meeting of the Board of Directors of the Company is scheduled on 31/10/2025 ,inter alia, to consider and approve 1. The Unaudited Financial Results (Standalone and Consolidated) for the second quarter and half year ended September 30, 2025. 2. the proposal for payment of First Interim Dividend for the financial year 2025-26 and to fix 'Record date''for the purpose of payment of Interim Dividend, if declared by the Board. |
| 31 Jul 2025 | Financial Results | To consider and approve the unaudited standalone and consolidated financial results for the period ended Jun 30, 2025 |
| 6 May 2025 | Financial Results/Dividend/Fund Raising | To consider and approve the financial results for the period ended March 31, 2025, dividend and Fund Raising |
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 334 | 351 | 375 | 395 | 421 | 450 | 484 | 520 | 544 | 554 | 574 | 600 |
| Interest | 96 | 98 | 109 | 120 | 128 | 143 | 150 | 160 | 165 | 162 | 161 | 170 |
| Expenses | 56 | 59 | 61 | 61 | 68 | 67 | 75 | 81 | 91 | 99 | 101 | 108 |
| Financing Profit | 181 | 194 | 205 | 215 | 225 | 240 | 259 | 279 | 288 | 292 | 312 | 322 |
| Financing Margin % | 54% | 55% | 55% | 54% | 53% | 53% | 54% | 54% | 53% | 53% | 54% | 54% |
| Other Income | 11 | 13 | 13 | 10 | 14 | 9 | 15 | 10 | 10 | 15 | 19 | 10 |
| Depreciation | 3 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 4 | 3 |
| Profit before tax | 190 | 205 | 215 | 222 | 237 | 246 | 271 | 286 | 294 | 304 | 328 | 329 |
| Tax % | 22% | 23% | 24% | 23% | 23% | 22% | 24% | 23% | 23% | 22% | 20% | 21% |
| Net Profit | 148 | 158 | 164 | 172 | 182 | 190 | 207 | 219 | 227 | 236 | 261 | 261 |
| EPS in Rs | 2.97 | 3.16 | 3.29 | 3.44 | 3.64 | 3.81 | 4.14 | 4.39 | 4.53 | 4.72 | 5.21 | 5.21 |
| Gross NPA % | 1.2% | 1.2% | 1.1% | 1.3% | 1.3% | 1.3% | 1.2% | 1.5% | 1.6% | 1.6% | 1.5% | 1.7% |
| Net NPA % | 0.9% | 0.9% | 0.8% | 1% | 0.9% | 1% | 0.9% | 1.1% | 1.2% | 1.2% | 1.2% | 1.3% |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- —
- 5 Years
- 28%
- 3 Years
- 26%
- TTM
- 21%
- 10 Years
- —
- 5 Years
- 29%
- 3 Years
- 23%
- TTM
- 23%
- 10 Years
- —
- 5 Years
- —
- 3 Years
- −2%
- TTM
- —
- 10 Years
- 17%
- 5 Years
- 18%
- 3 Years
- 19%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Aptus Value Housing Finance India | ₹ 198.33 | ₹ 9,898 Cr. | 10x | 2x | 20% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 25x | 5.8x | 18.1% | 23.7% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.9x | 3x | 16.4% | 20.9% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 95.5x | 1.2x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 20.5x | 3.3x | 12.3% | 16% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 5.4x | 1x | 20.7% | 29.1% |
Management
- M. Anandan
- Executive Chairman of the Board
- Sanjay Mittal
- Chief Financial Officer
- N. Srikanth
- Senior Vice President - Human Resources
- V. Sundara Kumar
- Senior Vice President - Legal and Receivable
- V. Krishnaswami
- Chief Technology Officer
- Sanin Panicker
- Compliance Officer, Company Secretary
- John Vijayan Rayappa
- Chief Risk Officer
- R. Naveen Kumar
- Vice President - Operations and Compliance
Prices are delayed and for information only. Nothing on this page is investment advice.