Aptus Value Housing Finance India Ltd Q4FY25 PAT jumps 26% to Rs 207 crore as against Rs 164 crore in Q4FY24. Revenue from Operations for Q4FY25 was at Rs 484 crore up 29% as compared to Rs 374 crores in Q4FY24.
PAT for FY25 rose by 23% at Rs 751 crore as compared to Rs 612 crore in FY24. Revenue from Operations for FY25 stood at Rs 1,750 crore , a rise of 28% from Rs 1,365 crore in FY24
AUM as on March 31s, 2025 was at Rs 10,865 crore, up 25% as against Rs 8,722 crore in FY24
Commenting on the results, Mr. P. Balaji, Managing Director, said, “It gives me great pleasure to share that FY25 has been a successful year for Aptus, highlighted by remarkable progress and strong growth in AUM. During FY25, we expanded our footprint by opening 38 new branches, increasing our network to 300 locations and reinforcing our commitment to delivering exceptional service to over 160,000+ customers. In FY25, we disbursed Rs. 3,604 crores, achieving a 15% year-on-year growth. This reflects the strength of our operational execution and strategic focus, which also enabled us to grow our AUM by 25% year-on-year.
The Company posted a 23% year-on-year growth in net profit, reaching Rs. 751 crores in the financial year FY25, supported by business expansion, stable asset quality, and continued focus on improving productivity.
Aptus has developed strong internal competencies in underwriting, customer onboarding, digital collections, and analytics, enabling it to scale profitably and safely across diverse regions. Technology is a key differentiator for Aptus, enhancing every aspect of our operations—from customer acquisition to collections. Looking ahead, the adoption of AI will further strengthen our capabilities.
During this period, the Company attained a 92% adoption rate for digital agreements. Our digital collections remained strong at 96%, and the penetration of account aggregators increased to 57%.
Our asset quality remains robust, with net credit costs including ECL provisions at 0.29%, which is at the same levels of previous financial year. The slight uptick in NPAs compared to the last quarter is primarily attributable to macroeconomic conditions and seasonal factors. We remain committed to prioritizing soft collections and managing NPAs in the new financial year. We continue to maintain a conservative credit cost guidance of around 40 to 45 basis points.
For the year, we achieved a Return on Assets (ROA) of 7.73% and a Return on Equity (ROE) of 18.76% (19.66% for Q4FY25), among the best in the industry, highlighting our commitment to sustainable growth, pristine asset quality, and operational efficiencies.
As part of our funding strategy, we diversified our borrowings by issuing non-convertible debentures amounting to Rs. 900 crores to mutual funds during the year. As on March 31, 2025, we maintained sufficient liquidity of around Rs. 1,155 crores including undrawn sanctions of Rs. 678 crores. The Company is well capitalized with a net worth of over Rs. 4,317 crores and the capital adequacy as on March 31, 2025 was 70%.
Our unwavering commitment to financial inclusion, particularly in underserved markets, continues to be a key driver of our growth. While we scale responsibly, we remain focused on maintaining asset quality and operational excellence. The affordable housing finance sector holds immense long-term potential, and with strong fundamentals and a clear growth strategy, Aptus is well-positioned to achieve its ambitious vision of Rs. 25,000 crore AUM by FY28, supported by strategic geographic expansion, process strengthening, and prudent capital management.”
