Aptus Value Housing Finance India Limited — Q1FY27 earnings call summary

Filed 01 August 2026 · Company audio recording

Operating expenses maintained within 2.6-2.8% of AUM; credit cost guidance at ~0.5-0.6% for FY27.
No major asset quality concerns; credit cost expected stable with continued aggressive write-offs beyond 500 days.
Temporary collection dip in NBFC portfolio at June-end caused 30+ DPD rise to 6.87% (from 6.21% in Q4 FY26); improving in July with 20 bps decline expected to continue.
Assignment income margin expected to normalize to 12-15% from current elevated levels (~23%).
FY27 AUM growth guided at 22-24% YoY; Q1 AUM grew 21% YoY to ₹13,648 cr.
Disbursement growth strong: Q1 up 36% YoY; July 2026 up 25% YoY; 25-30% YoY growth expected in coming quarters.
Branch expansion on track with 33 branches added in Q1; target 60-70 branches for FY27.
Spreads stable at ~9%, supported by reduced cost of funds (~8%).