# APTUS (APTUS) — Stock analysis

> Faxioms all-in-one stock review. Canonical page: https://faxioms.com/stocks/aptus

## Current market snapshot

- Exchange: NSE
- Country: India
- Price: ₹237.68
- Change: -0.62%
- As of: 2026-09-18
- 1D return: -0.62%
- 5D return: -5.76%
- 1M return: -6.17%
- Latest complete quarter: fy27_q1

## Faxioms Analysis

_As of 2026-09-18_

### Technical Outlook

As of September 18, 2026, APTUS is trading below key moving averages on the daily and monthly charts, indicating a bearish technical stance. The weekly timeframe shows the price above the Supertrend indicator, suggesting a potential divergence or a short-term counter-trend move within a broader downtrend. Recent anomalies include a downward gap on September 16, 2026, and a wide intraday range on September 18, 2026, both contributing to a negative sentiment. The stock is currently positioned below its 20-day Exponential Moving Average (EMA) of ₹251.03 and its 50-day Simple Moving Average (SMA) of ₹265.04. The nearest resistance is observed at the pivot level of ₹240.16, approximately 1.04% above the current price, while immediate support is noted at ₹236.19, about 0.63% below.

The stock exhibits elevated risk, with an annualized volatility of 32% and a current drawdown of -34%. The presence of a "Bearish Engulfing Reversal" pattern on the daily chart on September 18, 2026, reinforces the short-term bearish outlook. Investors should monitor the price action around the ₹236.19 support level and the ₹240.16 resistance level. A sustained break below ₹236.19 could signal further downside, while a move above ₹240.16 might indicate a potential short-covering rally.

- The stock's daily and monthly technicals are bearish, with the price below key moving averages.
- A "Bearish Engulfing Reversal" pattern was observed on the daily chart on September 18, 2026.
- Nearest resistance is at ₹240.16 (1.04% above current price).
- Nearest support is at ₹236.19 (0.63% below current price).
- Key watch conditions include breaks below ₹236.19 support or above ₹240.16 resistance.

- Bearish Engulfing Reversal
- Doji
- Outside Bar
- Hammer
- Bullish Engulfing Reversal

### News Context

Aptus Value Housing Finance India Limited has been actively engaging with investors and analysts over the past week. The company confirmed scheduled virtual meetings with Franklin Templeton Mutual Fund on September 7, 2026, and with Carnelian Asset Management on September 4, 2026. These interactions, along with a prior meeting with Theleme India Fund on September 2, 2026, are intended to discuss financial performance and business aspects, with the company emphasizing that discussions will be limited to publicly available information. Separately, on August 31, 2026, the company reported an allotment of 12,500 equity shares under its ESOP/ESPS scheme, resulting in a slight increase in its paid-up share capital and outstanding shares.

- Aptus Value Housing Finance India Ltd. held investor and analyst meetings with Franklin Templeton Mutual Fund (September 7, 2026), Carnelian Asset Management (September 4, 2026), and Theleme India Fund (September 2, 2026).
- These meetings focused on financial performance and business aspects, with assurances that only publicly available information would be shared.
- On August 31, 2026, the company announced the allotment of 12,500 equity shares under its ESOP/ESPS scheme.

- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates
- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of Analysts or Institutional Investors Meet |SUBJECT: Analyst/Investor Meet Para A-XBRL
- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates
- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates
- APTUS VALUE HOUSING FINANCE INDIA LIMITED has informed the Exchange regarding Allotment of Securities |SUBJECT: Alteration Of Capital and Fund Raising-XBRL

### What Changed

As of September 18, 2026, Aptus Value Housing Finance India's stock closed at ₹237.68, a slight decrease from its previous closing price of ₹239.16. The available evidence does not indicate any new filings or news developments for the company around this observation date. The company continues to be listed on the NSE.

- Stock price on September 18, 2026: ₹237.68
- Previous stock price: ₹239.16
- Company listed on NSE
- No new filings or news reported as of September 18, 2026

### Official Filings

Aptus Value Housing Finance India Limited has reported an increase in its paid-up share capital due to the allotment of 12,500 equity shares under its Employee Stock Option Scheme (ESOP) on August 31, 2026. This action raised the company's paid-up share capital from ₹1,001,635,472 to ₹1,001,660,472, and the total number of outstanding equity shares increased from 500,817,736 to 500,830,236. These new shares rank equally with existing shares. In parallel, the company has been actively engaging with institutional investors and analysts through scheduled virtual and in-person meetings during August and early September 2026. These interactions, including meetings with Franklin Templeton Mutual Fund, Carnelian Asset Management, Theleme India Fund, and Arohi Asset Management, focused on discussing the company's financial performance and business aspects, with a stated commitment to using only publicly available information.

- On August 31, 2026, 12,500 equity shares were allotted under the ESOP scheme, increasing paid-up capital to ₹1,001,660,472.
- The total number of outstanding equity shares rose to 500,830,236 following the ESOP allotment.
- Aptus Value Housing Finance India Ltd. held virtual meetings with institutional investors including Franklin Templeton Mutual Fund (scheduled for September 7, 2026) and Carnelian Asset Management (held September 4, 2026).
- The company also conducted a physical one-on-one meeting with Arohi Asset Management on August 24, 2026, in Chennai.
- Discussions in investor and analyst meetings were confirmed to be based on publicly available information, with no unpublished price-sensitive information shared.

- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates
- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of Analysts or Institutional Investors Meet |SUBJECT: Analyst/Investor Meet Para A-XBRL
- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates
- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates
- APTUS VALUE HOUSING FINANCE INDIA LIMITED has informed the Exchange regarding Allotment of Securities |SUBJECT: Alteration Of Capital and Fund Raising-XBRL
- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of Analysts or Institutional Investors Meet |SUBJECT: Analyst/Investor Meet Para A-XBRL
- Aptus Value Housing Finance India Limited has informed the Exchange regarding Allotment of 12500 Shares. |SUBJECT: ESOP/ESOS/ESPS
- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of Analysts or Institutional Investors Meet |SUBJECT: Analyst/Investor Meet Para A-XBRL
- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates

### Fundamentals

Aptus Value Housing Finance India's recent financial performance shows a consistent upward trend in revenue and profitability. For the quarter ending Q1 FY2026-27, revenue from operations was ₹600.29 crore, an increase from ₹593.12 crore in Q4 FY2025-26 and ₹568.53 crore in Q3 FY2025-26. Profit Before Tax followed a similar trajectory, reaching ₹329.09 crore in Q1 FY2026-27, up from ₹327.56 crore in the prior quarter and ₹303.78 crore in Q3 FY2025-26. The net profit for Q1 FY2026-27 was ₹260.94 crore.

Looking at the annual figures, the company has demonstrated growth in revenue from ₹1,365 crore in FY2024 to an estimated ₹1,750 crore in FY2025 and projected ₹2,192 crore in FY2026. Net profit is also projected to increase from ₹612 crore in FY2024 to ₹751 crore in FY2025 and ₹943 crore in FY2026. Return on Equity (ROE) has shown a steady improvement, moving from 17% in FY2024 to an estimated 19% in FY2025 and a projected 20% in FY2026.

Financially, the company's borrowing has increased significantly from ₹3,796 crore in March 2023 to ₹5,200 crore in March 2024, with projections indicating further increases to ₹6,873 crore by March 2025 and ₹7,904 crore by March 2026. This increase in borrowing is accompanied by a rise in equity capital and reserves, suggesting a growing asset base. The company's Gross NPA % has seen a slight increase from 1.07% in March 2024 to a projected 1.52% by March 2026, while Net NPA % has moved from 0.8% to a projected 1.15% over the same period. The company has also initiated dividend payouts, with a payout of 37% in FY2024, a projected 30% in FY2025, and 24% in FY2026.

- Revenue from operations for Q1 FY2026-27 was ₹600.29 crore.
- Profit Before Tax for Q1 FY2026-27 was ₹329.09 crore.
- Projected revenue for FY2026 is ₹2,192 crore, with a projected net profit of ₹943 crore.
- Return on Equity (ROE) is projected to reach 20% by FY2026.
- Borrowings are projected to increase from ₹5,200 crore in March 2024 to ₹7,904 crore by March 2026.
- Gross NPA % is projected to be 1.52% and Net NPA % is projected to be 1.15% by March 2026.

### Bull Case

Aptus Value Housing Finance India has demonstrated consistent growth in both sales and profits over the past five years, with compounded annual growth rates of 28% and 29% respectively. This growth trend has continued into the latest reported period, with TTM (Trailing Twelve Months) figures showing 21% sales growth and 23% profit growth. The company's balance sheet has also expanded, with total assets increasing from ₹2,362 crore in March 2019 to ₹3,747 crore in March 2020. This expansion is supported by a significant increase in reserves, which grew from ₹620 crore to ₹1,614 crore over the same period, indicating a strengthening equity base.

- Compounded sales growth over 5 years was 28% and TTM sales growth was 21%.
- Compounded profit growth over 5 years was 29% and TTM profit growth was 23%.
- Total assets grew from ₹2,362 crore in March 2019 to ₹3,747 crore in March 2020.
- Reserves increased from ₹620 crore in March 2019 to ₹1,614 crore in March 2020.

### Bear Case

The company's financial performance shows a concerning trend in cash flow from operations, which has remained negative and widened in the fiscal year ending March 2020 to ₹-735.0 crore from ₹-714.0 crore in March 2019. This negative operating cash flow has also led to a negative Free Cash Flow of ₹-737.0 crore for the period ending March 2020. While total assets have grown, a significant portion is categorized under 'Other Assets' (₹3737 crore in March 2020), and borrowing has increased substantially to ₹2022 crore in March 2020 from ₹1603 crore in March 2019. Technical indicators suggest a bearish trend on daily and monthly timeframes, with the Supertrend indicator pointing to a bearish direction and the closing price below key moving averages like the 20-day and 50-day Exponential Moving Averages (EMA). The stock has also experienced significant drawdowns, with a current drawdown of -34% and a maximum drawdown of -46%.

- Cash flow from operations was negative at ₹-735.0 crore for the period ending March 2020, an increase from ₹-714.0 crore in March 2019.
- Free Cash Flow was negative at ₹-737.0 crore for the period ending March 2020.
- Borrowings increased to ₹2022 crore in March 2020 from ₹1603 crore in March 2019.
- Technical indicators show a bearish trend on daily and monthly charts, with the Supertrend indicating a bearish direction.
- The stock has experienced a current drawdown of -34% and a maximum drawdown of -46%.

### FAQs

**How has Aptus Value Housing Finance India's borrowing and equity capital changed between March 2019 and March 2020?**

Between March 2019 and March 2020, Aptus Value Housing Finance India's borrowing increased from ₹1,603 crore to ₹2,022 crore. Over the same period, its equity capital grew from ₹79 crore to ₹95 crore.

**What has been the recent trend in Aptus Value Housing Finance India's cash flow from operations?**

Aptus Value Housing Finance India reported a negative cash flow from operations of -₹714 crore for the period ending March 2019. This figure became more negative, reaching -₹735 crore for the period ending March 2020. The metric 'CFO/OP' also showed a negative trend, moving from -₹262.0 in March 2019 to -₹164.0 in March 2020.

**What is the recent technical trend for Aptus Value Housing Finance India, and what are the key support and resistance levels?**

As of September 18, 2026, the daily trend for Aptus Value Housing Finance India is indicated as bearish, with the Supertrend indicator at 261.45. The weekly trend, however, is indicated as bullish, with the Supertrend at 231.90. Key support levels are identified at ₹236.19 and ₹234.81, while a key resistance level is noted at ₹240.16.

**What has been the recent stock performance of Aptus Value Housing Finance India over different periods?**

As of September 18, 2026, Aptus Value Housing Finance India has experienced varied returns across different timeframes. Its one-year return was -28%, and year-to-date return was -16%. Over the last six months, the stock showed a positive return of 8%, while the three-month return was -13%.

**What recent corporate actions has Aptus Value Housing Finance India announced?**

Aptus Value Housing Finance India announced the allotment of 12,500 equity shares under its ESOP/ESPS scheme on August 31, 2026, which increased its paid-up share capital. The company has also scheduled several investor and analyst meetings in August and September 2026, including interactions with Franklin Templeton Mutual Fund and Carnelian Asset Management, confirming that discussions will be limited to publicly available information.

- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates
- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of Analysts or Institutional Investors Meet |SUBJECT: Analyst/Investor Meet Para A-XBRL
- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates
- Aptus Value Housing Finance India Limited has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates
- APTUS VALUE HOUSING FINANCE INDIA LIMITED has informed the Exchange regarding Allotment of Securities |SUBJECT: Alteration Of Capital and Fund Raising-XBRL
## Technical analytics

- As of: 2026-09-18
- Daily trend: Moderate Downtrend
- Weekly trend: Weak Downtrend
- Pivot point: ₹240.16
- Risk regime: Higher Price Risk

### Support levels
- 234.81
- 218.27
- 193.03

### Resistance levels
- 249.99375
- 261.855
- 295.15625

### Return and range metrics

| Metric | Value |
| --- | --- |
| return_1 | -0.62% |
| return_10 | -7.63% |
| return_1m | -7.52% |
| return_1y | -27.87% |
| return_20 | -6.17% |
| return_3m | -12.86% |
| return_5 | -5.76% |
| return_6m | +8.44% |
| return_since_start | -18.46% |
| return_ytd | -15.73% |

### Risk and volatility metrics

| Metric | Value |
| --- | --- |
| state | high_risk |
| label | Higher price risk |
| summary | Recent drawdown or price variability is materially high and may lead to larger short-term outcomes. |
| maximum_drawdown | -45.86% |
| annualized_volatility | +31.85% |

## Quarterly financials

- Latest complete quarter: fy27_q1

# Revenue Growth Outpaced by Expense Surge Keeps Quarterly Profit Flat

APTUS reported virtually flat profit for the quarter ended 30 June 2026. Total income grew nearly 3% sequentially, but a faster rise in expenses, particularly finance costs and impairment provisions, absorbed most of the gain. Net profit was unchanged from the previous quarter, although year-on-year comparisons showed substantial growth.

## Revenue Composition and Growth

Interest Earned, the primary income source, rose 3.14% quarter-on-quarter to ₹529.16 crore. Revenue from Operations, which includes interest and other operating income, increased 1.21% to ₹600.29 crore. On a year-on-year basis, Revenue from Operations grew 15.38% from ₹520.26 crore in the same quarter last year.

Other Income, which carries measurement uncertainty, returned to ₹10.37 crore after registering zero in the two preceding quarters. This contributed to the sequential increase in Total Income, which rose 2.96% to ₹610.65 crore.

## Expense Pressure and Cost Structure

Total Expenses increased 6.03% to ₹281.56 crore, outpacing the 2.96% growth in total income. The increase was concentrated in two categories:

- Finance Costs rose 5.71% to ₹169.68 crore, a pace that broadly tracked the 3.14% increase in Interest Earned.
- Impairment on Financial Instruments increased 34.94% to ₹21.49 crore. Compared with the same quarter a year ago, these charges more than doubled, rising 102.98% from ₹10.59 crore.

Other Expenses declined slightly by 2.35% to ₹22.90 crore, providing a minor offset. The combined increase in finance costs and impairment charges accounted for the majority of the total expense rise.

## Profitability and Bottom Line

Profit Before Tax (PBT) edged up 0.47% to ₹329.09 crore, a gain of just ₹1.53 crore from the previous quarter. The higher income was largely offset by the expense increase. After tax, Profit Loss For Period stood at ₹260.94 crore, a negligible decline of ₹0.01 crore from the prior quarter's ₹260.95 crore. Year-on-year, net profit grew 19.01% from ₹219.25 crore.

Comprehensive Income mirrored net profit at ₹260.96 crore, with other comprehensive income items contributing a negligible ₹1.73 lakh.

## Capital Base Stability

The company's equity capital remained largely unchanged. Face Value of equity shares held steady at ₹2 per share. Paid Up Equity Share Capital rose marginally by ₹0.01 crore to ₹100.16 crore. This stability provides a consistent denominator for per-share calculations, isolating operating performance from any changes in share count.

## Key Takeaway

In the quarter, APTUS's interest income and total revenue rose, but a sharp increase in impairment charges and higher finance costs caused expenses to grow faster than income. As a result, profit before tax improved only marginally, and net profit was essentially flat. The year-on-year comparisons remain positive, with revenue from operations up 15% and net profit up 19% compared to the same quarter last year.

### Ratios

## Official filings

- 2026-09-05 — Generic Announcement: Aptus Value Housing Finance India Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_05092026131440_Aptus_Investor_Meeting_Intimation_07_September_2026_sd.pdf)
- 2026-09-03 — Generic Announcement: Aptus Value Housing Finance India Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_19468_WebXMLFile_20260903_174016581.xml)
- 2026-09-03 — Generic Announcement: Aptus Value Housing Finance India Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_03092026174205_Aptus_Investor_Meeting_Intimation_04_September_2026_SD.pdf)
- 2026-08-31 — Generic Announcement: Aptus Value Housing Finance India Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_31082026175717_Aptus_Investor_Meeting_Intimation02_September_2026_sd.pdf)
- 2026-08-31 — Generic Announcement: Aptus Value Housing Finance India Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/ALTERATION_OF_CAPITAL_AND_FUND_RAISING_19468_WebXMLFile_20260831_174933893.xml)
- 2026-08-31 — Generic Announcement: Aptus Value Housing Finance India Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_19468_WebXMLFile_20260831_175343269.xml)
- 2026-08-31 — Generic Announcement: Aptus Value Housing Finance India Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_31082026180018_SE_Intimation_SD.pdf)
- 2026-08-21 — Generic Announcement: Aptus Value Housing Finance India Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_19468_WebXMLFile_20260821_150442984.xml)
- 2026-08-21 — Generic Announcement: Aptus Value Housing Finance India Limited — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_21082026150743_Aptus_Investor_Meeting_Intimation_August_24_2026_sd.pdf)
- 2026-08-07 — Generic Announcement: Aptus Value Housing Finance India Limited has made available the transcript of its earnings conference call for the first quarter ended June 30, 2026. The call was held on August 01, 2026, and the transcript is accessible on the company's website. No unpublished price-sensitive information was disclosed during the meeting. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_07082026105042_Aptus_Value_Investor_Call_Transcript_Q1FY_27_sd.pdf)
- 2026-08-06 — Generic Announcement: Aptus Value Housing Finance India Limited submitted the voting results of its 17th Annual General Meeting held on August 4, 2026. All seven resolutions, including the adoption of financial statements, re-appointment of Ms. Mona Kachhwaha as Independent Director, fixing of borrowing limits, creation of charge on assets, issuance of Non-Convertible Debentures, and approval of the Aptus ESOP 2026 plan and its grant to employees, were passed by the members with the requisite majority. The filing was made on August 6, 2026. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_06082026145401_Voting_Results_SE_Intimation__sd.pdf)
- 2026-08-04 — Generic Announcement: Aptus Value Housing Finance India Limited held its 17th Annual General Meeting on August 4, 2026, via video conference. The meeting included the adoption of audited financial statements for the year ended March 31, 2026, the re-appointment of Ms. Mona Kachhwaha as an Independent Director, and approval for fixing borrowing limits, creating charges on assets, issuing Non-Convertible Debentures, and the Aptus ESOP 2026 plan. The company reported a 21% year-on-year AUM growth to ₹13,107 crores and a profit of ₹943 crores for FY26, with a dividend of ₹4.50 per share declared. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_04082026144800_AVH_17_AGM_Proceeding_sd.pdf)
- 2026-08-03 — Generic Announcement: Aptus Value Housing Finance India Ltd. clarified an inadvertent statement made during an August 01, 2026 earnings call regarding National Housing Bank (NHB) funding rates. The management initially stated a rate of 8.20% to 8.30%, but clarified that after applying concessions for women, SC/ST borrowers, and based on company rating, the effective NHB rate is approximately 7.90%. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_03082026124159_NHB_Rate_clarification_SE_Intimation_sd.pdf)
- 2026-08-01 — Generic Announcement: Aptus Value Housing Finance India Ltd. has uploaded the audio recording of its earnings conference call for the first quarter ended June 30, 2026. The call was held on August 01, 2026, and the recording is available on the company's website. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_01082026134033_Aptus_Value_Audio_Recording_Earnings_Call_Q1_FY26-27_sd.pdf)
- 2026-08-01 — Generic Announcement: Aptus Value Housing Finance India Limited published its unaudited financial results for the first quarter ended June 30, 2026, in the Financial Express, Business Standard, and Makkal Kural newspapers on August 01, 2026. The results are also available on the company's website. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_01082026222323_SEIntimationsd.pdf)
- 2026-07-31 — Generic Announcement: Aptus Value Housing Finance India Limited's Board of Directors approved the unaudited standalone and consolidated financial results for the quarter ended June 30, 2026, on July 31, 2026. The company reported total income of INR 61,065.40 lakhs and a profit after tax of INR 26,094.10 lakhs for the consolidated results for the quarter. The statutory auditors, Sundaram & Srinivasan, issued an unmodified opinion on these results. The company also disclosed details regarding loan transfers and provided a security cover certificate for its listed Non-Convertible Debentures. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_31072026131903_Outcome_sd.pdf)
- 2026-07-31 — Official Filing: APTUS VALUE HOUSING FINANCE INDIA LIMITED allotted 24,963 Equity Shares under ESOP/ESPS on July 31, 2026. This allotment increased the paid-up share capital from INR 1,001,585,472 to INR 1,001,635,472, and the number of shares from 500,792,736 to 500,817,736. The board initially approved the issuance on November 12, 2020, when the company's securities were not listed.
- 2026-07-31 — Generic Announcement: Aptus Value Housing Finance India Ltd. approved the allotment of 25,000 equity shares on July 31, 2026, due to the exercise of stock options by employees under the Aptus Employee Stock Option Scheme, 2021. This allotment increased the company's paid-up share capital from Rs. 1,00,15,85,472 to Rs. 1,00,16,35,472, with the total number of equity shares rising to 50,08,17,736. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_31072026174333_SE_Intimation_ESOP_sd.pdf)
- 2026-07-31 — Press Release: Aptus Value Housing Finance India Limited reported its financial and operational performance for the first quarter ended June 30, 2026. Assets Under Management (AUM) reached ₹13,648 crore, a 21% year-over-year increase. Disbursements for the quarter were ₹1,053 crore, up 36% year-over-year. Net Income Margin was ₹441 crore and Net Profit was ₹261 crore, both showing a 19% year-over-year growth. The company added 33 branches, bringing its total network to 372, and plans to open 25 more in the next quarter. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_31072026132524_Aptus_Value_Press_Release_Q1_FY26_sd.pdf)
- 2026-07-31 — Earnings Presentation: Aptus Value Housing Finance India Ltd. has submitted an investor presentation detailing its unaudited financial results for the first quarter ended June 30, 2026. This disclosure was made on July 31, 2026, in accordance with SEBI regulations and is available on the company's website. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_31072026133350_Aptus_Value_Investor_Presentation_Q1_FY26_signed.pdf)
- 2026-07-15 — Generic Announcement: Aptus Value Housing Finance India Ltd. published newspaper advertisements on July 14, 2026, in Business Standard and July 15, 2026, in Makkal Kural regarding the electronic dispatch of the Notice of its 17th Annual General Meeting and Annual Report for FY 2025-2026, along with e-voting information. The advertisements are also available on the company's website. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_15072026160131_Aptus_17th_AGM_newspaper_Adv_final_sd.pdf)
- 2026-07-13 — Generic Announcement: Aptus Value Housing Finance India Limited will hold its 17th Annual General Meeting on August 4, 2026, via Video Conferencing. The agenda includes adopting financial statements for the year ended March 31, 2026, re-appointing Ms. Mona Kachhwaha as an Independent Director for a second term from May 5, 2026, to May 4, 2028, approving an increase in borrowing powers up to ₹12,000 crore, approving charges on assets to secure borrowings, approving the issuance of Non-Convertible Debentures up to ₹12,000 crore, and approving the Aptus ESOP 2026 plan for employees, including those of subsidiary companies. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_13072026203845_Aptus_Value_17th_AGM_Notice_Final_sd.pdf)
- 2026-07-10 — Generic Announcement: Aptus Value Housing Finance India Ltd. submitted a certificate under Regulation 74(5) of SEBI (Depositories & Participants) Regulations, 2018, for the quarter ended June 30, 2026. The company's Registrar and Transfer Agent, KFin Technologies Limited, confirmed that details of securities dematerialized/rematerialized during this period have been furnished to all listed stock exchanges. This filing was made on July 10, 2026. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_10072026125551_Aptus_Value_Covering_Letter_74_5__DP_Reg__June_30_2026_sd.pdf)
- 2026-07-08 — Generic Announcement: Aptus Value Housing Finance India Limited will host an Earnings Conference Call on August 01, 2026, at 10:00 AM IST. The call will focus on discussing the company's financial and operational performance for the first quarter ended June 30, 2026. Investor Relations contact is Amit Singh. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_08072026153747_SE_Intimation_-_AVH_Q1_FY27_Earnings_call_sd.pdf)
- 2026-06-26 — Generic Announcement: Aptus Value Housing Finance India Ltd. will close its trading window for designated persons and their immediate relatives from July 01, 2026, until 48 hours after the declaration of its unaudited financial results for the first quarter ended June 30, 2026. This closure is in accordance with the Prohibition of Insider Trading Code and SEBI regulations. — [Official attachment](https://nsearchives.nseindia.com/corporate/APTUS_26062026171952_Closure_of_trading_window_Q1_2026_sd.pdf)

## News and market events

- 2026-09-02 — BUSINESSTODAY: **Home loans are no longer enough: Why affordable lenders are turning to LAP and MSME** — Home loans are no longer enough: Why affordable lenders are turning to LAP and MSME — [Source](https://www.businesstoday.in/personal-finance/story/home-loans-are-no-longer-enough-why-affordable-lenders-are-turning-to-lap-and-msme-552694-2026-09-02)
- 2026-08-27 — Economic Times: **PNB Housing outshines peers on strong loan growth** — PNB Housing Finance shares have seen significant gains this year.  The company is focusing on affordable and emerging housing segments.  This strategic shift aims to improve its valuation and return ratios.  Disbursements and net profit are expected to grow robustly in coming years.  Stable asset quality and new financing initiatives support future growth. — [Source](https://economictimes.indiatimes.com/markets/stocks/news/pnb-housing-outshines-peers-on-strong-loan-growth/articleshow/133553609.cms)
- 2026-07-31 — The Hindu: **LT Foods shares jump 4% on strong Q1 results; stock outperforms market** — At the closing price, LT Foods carried a total market capitalisation of ₹14,338 crore, up sharply from ₹12,762 crore reported in the investor presentation as of June 30 — [Source](https://www.thehindubusinessline.com/markets/stock-markets/lt-foods-shares-jump-4-on-strong-q1-results-stock-outperforms-market/article71290253.ece)
- 2026-07-31 — Mint: **Top Gainers & Losers on 31 July: Bajaj Finance, Hyundai Motor, GAIL, Tata Motors, Redington among top gainers today** — Indian equities closed the last trading day of July with modest gains, driven by financial and auto stocks. The Nifty 50 rose 0.20% to 24,336, while Sensex advanced 0.21% to 78,091, reflecting positive market trends despite concerns over crude oil prices. — [Source](https://www.livemint.com/market/stock-market-news/top-gainers-losers-on-31-july-bajaj-finance-hyundai-motor-gail-tata-motors-redington-among-top-gainers-today-11785490241096.html)
- 2026-07-31 — FREEPRESSJOURNAL.IN: **Aptus Value Housing Finance Reports 19% Rise In Q1 Consolidated Net Profit To ₹260.94 Crore** — Aptus Value Housing Finance India Ltd announced on Thursday a consolidated net profit of ₹260.94 crore for the quarter ended 30 June 2026, marking a 19% increase compared to the same period last year. Total income for the quarter also rose by 15.19% — [Source](https://www.freepressjournal.in/business/aptus-value-housing-finance-reports-19-rise-in-q1-consolidated-net-profit-to-26094-crore)

## Business profile

**Strategic vision:** Provides housing finance for self-employed and LMI families.

### Business segments
- **Housing Finance:** Provides home loans to self-employed individuals and Low and Middle Income (LMI) families, particularly in semi-urban and rural regions, addressing historically underserved market segments.

### Competitive strengths
- Focus on underserved segments of self-employed and LMI families in semi-urban and rural areas.
- Individualized credit assessment approach tailored to diverse client financial capacities.
- Philosophy of providing 'appropriate' and 'suitable' housing finance solutions.

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## Freshness and sources

- Data as of: 2026-09-18
- Source: Faxioms public stock analysis API

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