Aptus Value Housing Finance India Ltd is a Home Loan Company that has been formed to primarily address the housing finance needs of self-employed, low and middle-income families primarily from semi-urban and rural areas. The company was incorporated on December 11, 2009, with the primary objective of carrying on the business of providing long-term housing finance to meet the housing needs of the low and middle-income segment in the country.
Aptus addresses the housing finance needs of the self-employed from low and middle-income families, especially of the semi-urban and rural areas. The company's name itself reflects its core philosophy - "Aptus" in Latin means 'appropriate' or 'suitable', emphasizing their approach to understanding each customer's unique requirements and providing customized financial solutions.
Aptus Value Housing Finance India Ltd is a retail-focused housing finance company that predominantly serves low and middle-income customers in the rural and semi-urban markets of India. The company offers home loans to retail customers to purchase homes, construct residential properties, house improvement and extension, loans against property, and business loans.
The company's product portfolio includes:
- Housing Loans: Loans for constructing an independent house or an apartment on the customer's owned land or purchasing new or second-hand houses, and for house renovations.
- Business Loans: Business loans to individuals who require financial support for their business by providing self-occupied property as collateral with a maximum limit of 60% of the property value.
- Quasi Home Loans: For refinancing customers' investments in construction or for purchasing a house up to ₹25 lakhs.
- Insurance Support: The company has collaborated with insurance companies to offer Credit Shield Insurance and Property Insurance.
The company has a market capitalization of ₹16,130 Crore (as of recent data) with revenue of ₹1,750 Crore and profit of ₹751 Crore. As of June 2025, Aptus Value Housing Finance India Ltd has a market capitalization of ₹15,907 Crore.
Latest Financial Results (Q4 FY2025):
- Revenue jumped 28.94% year-on-year to ₹499.24 Crore in Q4 FY2024-2025, with an 8.77% quarterly growth.
- Net profit increased 26.21% year-on-year to ₹207.03 Crore in Q4 FY2024-2025, with an 8.68% quarterly growth.
- Net profit margin was 41.47% in Q4 FY2024-2025.
Full Year FY2025 Performance:
- The company posted a 23% year-on-year growth in net profit, reaching ₹751 Crore in FY25.
- In FY25, the company disbursed ₹3,604 Crore, achieving a 15% year-on-year growth, which enabled AUM growth of 25% year-on-year.
During FY25, the company expanded its footprint by opening 38 new branches, increasing the network to 300 locations and reinforcing its commitment to delivering exceptional service to over 160,000 customers. As of March 31, 2025, the company maintained sufficient liquidity of around ₹1,155 Crore including undrawn sanctions of ₹678 Crore, with net worth of over ₹4,317 Crore and capital adequacy of 70%.
The company maintains strong asset quality with Gross NPA of 1.25% for Q2 FY25 and focuses on operational efficiency with operating expenses (Opex) at 2.65% for the quarter.
Aptus Value Housing Finance India Limited is amongst the fastest growing & profitable affordable housing finance companies with a network of 211 branches catering to over 89,000 active live accounts in Tamil Nadu (including the Union Territory of Puducherry), Andhra Pradesh, Karnataka, Telangana and Odisha. The company has expanded to new states including Odisha and Maharashtra.
M. Anandan serves as Non-Executive Director and Chairman, being the founder and Executive Chairman of the company. Balaji P is the Managing Director and Whole-time Director of the company. Promoter holding stands at 53.0%, though it has decreased by 9.37% over the last 3 years.
The company has set an ambitious vision of ₹25,000 Crore AUM by FY28, supported by strategic geographic expansion, process strengthening, and prudent capital management. The company continues to focus on financial inclusion, particularly in underserved markets, while maintaining asset quality and operational excellence.
Credit Rating: CARE Ratings upgraded Aptus credit rating to CARE AA; Stable from CARE AA-; Positive for ₹3,415 Crore facilities as of June 2025.
Aptus Value Housing Finance represents a compelling investment opportunity in India's affordable housing finance sector, with its strong focus on underserved markets, consistent growth trajectory, and robust financial performance positioning it well for continued expansion in the coming years.
