Aptus Value Housing Finance India share price
NSE: APTUSBSE: 543335FinanceSmall Cap
Aptus Value Housing Finance India Limited · Face value ₹2 Face value. The nominal value of one share as the company issued it, the unit its share capital is counted in and a dividend can be stated as a percentage of; it has no link to the share price. Face value in the glossary · Listed Aug 2021 · Issue price ₹353
Last close ₹191.28down ₹9.04 (4.51%)BSE ₹191.80
Share price at the NSE close on 30 Oct 2026. Previous close ₹200.32.
30 Oct: open ₹201.22, high ₹201.22, low ₹190.10
52-week range of traded prices to 30 Oct 2026
₹190.10Low, 30 Oct 2026₹322.75High, 3 Nov 2025
- Next results date: the board meets on 4 Nov 2026 to consider: financial results and dividend. The notice · Results calendar
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹9,580 Cr485th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 9.73
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 1.89
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 2.35%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 21.0%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Net interest margin in the glossary
- 11.34%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Cost of funds in the glossary
- 8.81%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Credit cost in the glossary
- 0.55%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. Return on assets in the glossary
- 7.76%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Assets per rupee of net worth in the glossary
- 2.59times net worth
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 14,45,68464.4% delivered
About Aptus Value Housing Finance India
Aptus Value Housing Finance India Limited is a Chennai-based housing finance company serving low and middle income, self-employed customers in rural and semi-urban India, many of them first-time home buyers whose income is real but undocumented.12 Its core loan is the small-ticket home loan for building, buying, renovating or extending a house; through a subsidiary it also lends to small businesses against residential property.34
Aptus is registered with the National Housing Bank, regulated by the Reserve Bank of India and reports one business segment: long term housing finance, loans against property and refinance loans.25 Its wholly owned subsidiary, Aptus Finance India Private Limited, incorporated on 18 Sep 2015 and registered with the Reserve Bank of India as a non-banking finance company in December 2016, serves small business entrepreneurs.67 Aptus also distributes life and property insurance as a corporate agent, and its digital channels include the Customer App and Bandhu App.3 It operates in Tamil Nadu, Andhra Pradesh, Telangana, Karnataka, Maharashtra, Odisha and the Union Territory of Puducherry, entering only areas next to those it already serves.28
Aptus was incorporated on 11 Dec 2009 and received its housing finance registration from the National Housing Bank on 31 May 2010; its shares are listed on BSE and NSE.96 M. Anandan, its founder and Executive Chairman, holds 23.9% of the equity together with the promoter group; he was earlier Managing Director of Cholamandalam Investments and Finance.110 P. Balaji, who joined Aptus as chief financial officer in August 2010, is its Managing Director.11
Aptus Value Housing Finance India key points
Results
- Consolidated profit after tax for the year to Mar 2026 rose 26% to ₹943 crore; profit before tax grew 24% to ₹1,211 crore from ₹975 crore, and interest income 16%.121314
- Consolidated total income for the year to Mar 2026 was ₹2,245 crore, up 25% from ₹1,798 crore; net income margin (income left after interest on borrowings) was ₹1,597 crore, against ₹1,258 crore.1516
- Return on equity (profit as a share of shareholders' funds) crossed 20% for the first time, at 20.1% for the year to Mar 2026, and return on assets (profit as a share of total assets) was 7.9%.1718
Loan book and deposits
- Consolidated assets under management (loans it manages, including those sold to other lenders) were ₹13,107 crore at the end of March 2026, up 21% from ₹10,865 crore; disbursements in the year rose 11% to ₹4,009 crore from ₹3,604 crore.19
- Share of consolidated assets under management, end of March 20262021In the housing finance company's book, home loans are 68% and quasi home loans (loans against a home the borrower has built) 25%.
Item year to Mar 2026 Aptus Value Housing Finance (housing finance company) 71% Aptus Finance India (small business loans) 29% - Aptus's consolidated yield on advances was 17.2% in the year to Mar 2026. In its housing finance company, home loans run 10.3 years on average; across products, loans average a loan-to-value (loan as a share of the property's value) of about 40%.2223
- Gross non-performing assets (loans on which repayments have stopped) rose to 1.52% of loans at the end of March 2026 from 1.19%, and net non-performing assets to 1.15% from 0.89%, mainly because of the subsidiary's small business loans, the company says.2425
Funding and capital
- Aptus's capital adequacy ratio (capital held against its risk-weighted loans) was 71% at the end of March 2026, more than 4 times the Reserve Bank of India's minimum for housing finance companies.26
- ICRA and CARE Ratings upgraded Aptus's long-term credit rating (an agency's grade of its ability to repay debt) to AA (Stable) from AA- during the year to Mar 2026.2728
- Aptus's cost of borrowings fell 40 basis points (hundredths of a percentage point) to 8.3% in the year to Mar 2026 and to 8.1% in the quarter to Mar 2026, widening its gross spread (lending yield less borrowing cost) to 8.9% from 8.7%.29
- About 82% of Aptus's loan book is at fixed rates while 40% of its borrowings are floating rate; it borrows from more than 25 lenders, none above 15% of total borrowings.3031
Branches and reach
- Aptus had 339 branches at the end of March 2026, against 300 a year earlier; of the 39 added in the year, 19 were opened for its subsidiary, Aptus Finance India Private Limited.32
- Aptus branches by state, end of March 202633
Item year to Mar 2026 Andhra Pradesh 124 Tamil Nadu 92 Telangana 68 Karnataka 36 Maharashtra and Odisha 19 - Aptus's active customers grew 16% in the year to Mar 2026 to over 1.88 lakh; 80% are self-employed, 74% come from low-income households and 85% live in rural or semi-urban areas.3435
- In the year to Mar 2026, 92% of Aptus's loan agreements were signed digitally and 94% of collections came through digital channels; over 90% of loan approvals were processed within 72 hours.36
What the company expects
- The company stated in its annual report for the year to Mar 2026 that it plans to open new branches in the year to Mar 2027, nearly half of them in Maharashtra and Odisha.37
- The company stated in its annual report for the year to Mar 2026 that its capital lets it fund growth in assets under management of 22% to 24% in the year to Mar 2027, and likely the year to Mar 2028, without raising equity.38
- The company stated in its annual report for the year to Mar 2026 that it expects credit cost (loan losses and provisions as a share of loans) of 50 basis points, plus or minus 10, in the year to Mar 2027.39
- The company stated in its annual report for the year to Mar 2026 that it expects leverage (how far it funds loans with borrowed money rather than its own capital) to rise from 2.5 times toward 3.0 times by the year to Mar 2028.39
Recent events
- On 5 Nov 2025, Aptus applied to BSE and NSE for approval to reclassify WestBridge Crossover Fund, LLC from its promoter group to public shareholders.40
Last updated
All 40 sources, each with its page
- 1. Annual report, 13 Jul 2026, page 7
- 2. Annual report, 13 Jul 2026, page 61
- 3. Annual report, 13 Jul 2026, page 10
- 4. Annual report, 13 Jul 2026, page 32
- 5. Annual report, 13 Jul 2026, page 300
- 6. Annual report, 13 Jul 2026, page 286
- 7. Annual report, 13 Jul 2026, page 70
- 8. Annual report, 13 Jul 2026, page 8
- 9. Annual report, 13 Jul 2026, page 112
- 10. Annual report, 13 Jul 2026, page 53
- 11. Annual report, 13 Jul 2026, page 54
- 12. Annual report, 13 Jul 2026, page 23
- 13. Annual report, 13 Jul 2026, page 15
- 14. Annual report, 13 Jul 2026, page 61
- 15. Annual report, 13 Jul 2026, page 11
- 16. Annual report, 13 Jul 2026, page 23
- 17. Annual report, 13 Jul 2026, page 15
- 18. Annual report, 13 Jul 2026, page 12
- 19. Annual report, 13 Jul 2026, page 11
- 20. Annual report, 13 Jul 2026, page 84
- 21. Annual report, 13 Jul 2026, page 32
- 22. Annual report, 13 Jul 2026, page 23
- 23. Annual report, 13 Jul 2026, page 31
- 24. Annual report, 13 Jul 2026, page 84
- 25. Annual report, 13 Jul 2026, page 14
- 26. Annual report, 13 Jul 2026, page 25
- 27. Annual report, 13 Jul 2026, page 84
- 28. Annual report, 13 Jul 2026, page 38
- 29. Annual report, 13 Jul 2026, page 16
- 30. Annual report, 13 Jul 2026, page 26
- 31. Annual report, 13 Jul 2026, page 37
- 32. Annual report, 13 Jul 2026, page 61
- 33. Annual report, 13 Jul 2026, page 8
- 34. Annual report, 13 Jul 2026, page 84
- 35. Annual report, 13 Jul 2026, page 14
- 36. Annual report, 13 Jul 2026, page 16
- 37. Annual report, 13 Jul 2026, page 13
- 38. Annual report, 13 Jul 2026, page 14
- 39. Annual report, 13 Jul 2026, page 16
- 40. Exchange filing, 5 Nov 2025, page 1
Results
Consolidated; ₹ crore. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.Aptus Value Housing Finance India quarterly results
- Income from operations growth, 12 monthsIncome from operations growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +22.9%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +23.3%
Quarter to Jun 2026, against the quarter before
- Income from operationsIncome from operations. The pill is the change in income from operations against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹600 Crup 1.21%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹261 Crdown 0.01%
Income from operations by quarter
Peak income from operations ₹600 Cr, quarter to Jun 2026; lowest ₹421 Cr, quarter to Sep 2024
Net profit by quarter, a loss in red
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 421 | 450 | 484 | 520 | 544 | 569 | 593 | 600 |
| Net profit | 182 | 191 | 207 | 219 | 227 | 236 | 261 | 261 |
Consolidated. The last eight quarters. The latest is shaded. Net profit is the whole group's, the other owners of its subsidiaries included; P/E and ROE use the company's own share.
Year to Mar 2026, against the year before
- Income from operationsIncome from operations. The pill is the change in income from operations against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹2,245 Crup 28.28%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹943 Crup 25.52%
Income from operations by year
Peak income from operations ₹2,245 Cr, year to Mar 2026; lowest ₹815 Cr, year to Mar 2022
Net profit by year, a loss in red
| ₹ crore | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Income from operations | 815 | 1,093 | 1,365 | 1,750 | 2,245 |
| Net profit | 370 | 503 | 612 | 751 | 943 |
Consolidated. Years to March. The latest is shaded. Net profit is the whole group's, the other owners of its subsidiaries included; P/E and ROE use the company's own share.
Business segments
In the year to Mar 2026 the company reports one business segment, Providing Long-term Housing Finance, Loan against properties & Refinance Loans, which carries all its revenue.
Valuation
Today, against the company's own history.Aptus Value Housing Finance India PE ratio and valuation
Price to earnings
At or below today's level on 0.1% of 1,110 trading days since May 2022.
LowestHighest
Its median25.19Industry median11.96
Price to book
At or below today's level on 0.1% of 1,239 trading days over the last 5 years.
LowestHighest
Its median4.08Industry median1.19
Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price. When a year's dividend goes ex later than the year before's, the yield reads zero for the days between; a run of under 60 such trading days is left out of the yield's medians and percentiles. The ex-date is the day from which a buyer of the share no longer gets the dividend.
At or below today's level on 99.8% of 1,240 trading days over the last 5 years.
LowestHighest
Its median1.36%Industry median1.62%
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −31.7% | +25.3% | −47.3% | 2.3% |
| 3 years | −5.4% | +23.1% | −24.5% | 1.8% |
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add.
Mutual fund holdings
82 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 42 of the 51 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future.All 82 funds holding Aptus Value Housing Finance India
- AddedAdded. Funds that held more shares than at the end of the month before.
- 21
- CutCut. Funds that held fewer shares than at the end of the month before.
- 30
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 31
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end. Sold out in the glossary
- 9
| Fund | |||
|---|---|---|---|
 SBI Small Cap FundSBI Mutual Fund | 1,95,32,794 | 1.11% | ₹454.2 Cr |
 Kotak-Small Cap FundKotak Mahindra Mutual Fund | 1,13,29,154 | 1.38% | ₹263.4 Cr |
| SBI Multicap FundSBI Mutual Fund | 1,06,75,139 | 1.06% | ₹248.2 Cr |
 Bandhan Small Cap FundBandhan Mutual Fund | 93,30,729 | 0.61% | ₹217.0 Cr |
| SBI Banking & Financial Services FundSBI Mutual Fund | 74,35,950 | 1.66% | ₹172.9 Cr |
 ICICI Prudential Banking and Financial Services FundICICI Prudential Mutual Fund | 45,18,035 | 0.98% | ₹105.1 Cr |
 Axis Small Cap FundAxis Mutual Fund | 43,59,789 | 0.33% | ₹101.4 Cr |
 Nippon India Banking & Financial Services FundNippon India Mutual Fund | 34,09,159 | 1.08% | ₹79.3 Cr |
 Aditya Birla Sun Life Midcap FundAditya Birla Sun Life Mutual Fund | 31,93,645 | 1.13% | ₹74.3 Cr |
| Aditya Birla Sun Life Value FundAditya Birla Sun Life Mutual Fund | 27,06,727 | 0.95% | ₹62.9 Cr |
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.
Promoter and insider buying and selling
Trades made since 31 Oct 2025.Aptus Value Housing Finance India insider trading
No promoter, director, key manager or employee bought or sold on the market.
- Others: no market trade · 14 pledge filings of unclear kind
Bought and sold count trades on the market only. A pledge is shares given to a lender as security for a loan; a lender invokes it by selling them.
Aptus Value Housing Finance India competitors and peers
Housing Finance Company, 19 listed companies, priced on 30 Oct 2026. The table lists the 8 companies closest to Aptus Value Housing Finance India in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
 Aadhar Housing FinanceAADHARHFC | 18,417 | 16.14 | 2.44 | +17.7% | +20.2% | 16.4% | 4.33% | 8.09% | 0.00% |
 Sammaan CapitalSAMMAANCAP | 13,595 | – | 0.72 | −17.1% | – | −35.5% | −9.89% | −0.06% | 0.00% |
 Home First Finance Company IndiaHOMEFIRST | 11,209 | 18.09 | 2.40 | +19.2% | +36.9% | 14.3% | 3.95% | 6.99% | 0.49% |
 Can Fin HomesCANFINHOME | 9,582 | 8.31 | 1.49 | +7.9% | +25.1% | 19.4% | 2.54% | 3.84% | 2.08% |
 Aavas FinanciersAAVAS | 8,428 | 11.96 | 1.56 | +12.1% | +16.8% | 14.0% | 3.29% | 6.75% | 0.00% |
 India Shelter Finance CorporationINDIASHLTR | 6,723 | 12.71 | 2.10 | +25.7% | +28.1% | 17.9% | 5.82% | 9.73% | 1.62% |
 Repco Home FinanceREPCOHOME | 1,952 | 4.05 | 0.48 | +5.9% | +3.8% | 12.9% | 3.05% | 5.05% | 1.60% |
 GIC Housing FinanceGICHSGFIN | 650 | 4.12 | 0.31 | +1.2% | +22.2% | 7.7% | 1.40% | 3.50% | 3.73% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Dividends
Per share, by the year it was paid for, and the latest payments.Aptus Value Housing Finance India dividend history
Dividend per share, ₹, restated for later splits and bonuses
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up. Dividend per share in the glossaryHighest ₹4.50 a share, years to Mar 2024, Mar 2025 and Mar 2026.
| Ex-date | Type | Per share |
|---|---|---|
| 13 Nov 2026 | Interim | Amount not stated |
| 15 May 2026 | Interim | ₹2.50 |
| 7 Nov 2025 | Interim | ₹2.00 |
| 16 May 2025 | Interim | ₹2.50 |
| 14 Nov 2024 | Interim | ₹2.00 |
| 15 May 2024 | Interim | ₹2.50 |
Latest payments, as declared, by ex-date.
Latest announcements
Routine notices left out.Aptus Value Housing Finance India announcements
Oct 2026
27 Oct · Analysts
14 Oct · Analysts
Sep 2026
5 Sep · Analysts
3 Sep · Analysts
Aug 2026
31 Aug · Disclosure
Aptus Value Housing Finance India annual report, year to Mar 2026
Aptus Value Housing Finance India share price by year
Each calendar year to 2025.Aptus Value Housing Finance India share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 279.10 | −3.6% | 359.40 | 270.95 |
| 2024 | 289.45 | −9.5% | 389.65 | 289.45 |
| 2023 | 319.75 | +5.3% | 331.25 | 236.45 |
| 2022 | 303.80 | −10.6% | 390.40 | 225.00 |
| 2021 | 339.90 | – | 377.70 | 302.55 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before. 2021 is from its first session, 24 Aug 2021.
Recent sessions
The 9 trading days to 29 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 29 Oct 2026 | 199.61 | 202.58 | 198.31 | 200.32 | 200.15 | 28,36,243 | 82.2% |
| 28 Oct 2026 | 202.13 | 202.13 | 197.30 | 198.62 | 199.01 | 15,41,770 | 65.6% |
| 27 Oct 2026 | 198.00 | 203.69 | 195.73 | 201.73 | 199.85 | 14,85,439 | 58.1% |
| 26 Oct 2026 | 197.70 | 199.02 | 192.20 | 197.93 | 196.26 | 17,59,769 | 55.3% |
| 23 Oct 2026 | 201.99 | 202.42 | 193.61 | 196.47 | 196.73 | 13,65,575 | 54.3% |
| 22 Oct 2026 | 206.00 | 209.24 | 200.23 | 201.82 | 203.83 | 16,68,610 | 58.9% |
| 21 Oct 2026 | 212.11 | 213.26 | 204.50 | 207.50 | 207.49 | 24,86,003 | 67.7% |
| 19 Oct 2026 | 221.60 | 221.85 | 212.50 | 213.25 | 216.33 | 11,43,337 | 57.4% |
| 16 Oct 2026 | 223.25 | 225.99 | 219.58 | 222.50 | 221.88 | 20,22,187 | 71.7% |
Prices in ₹ per share as traded, not adjusted.
Company details
- NSE symbol
- APTUS
- BSE code
- 543335
- ISIN
- INE852O01025
- Industry
- Finance
- Website
- www.aptusindia.com
- CIN
- L65922TN2009PLC073881
- Corporate identity number, the registrar of companies' code for it
- Incorporated
- 2009
- Registered office
- 8B, 205, Doshi Towers, 8th floor, Poonamalle high road, Kilpauk, Chennai 600049, Tamil Nadu
- Share registrar
- KFin Technologies Ltd
- Keeps the register of shareholders and handles transfers and dividend payments
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