Aptus Value Housing Finance India Limited is a housing finance company serving low and middle-income self-employed customers in rural and semi-urban India.

The company has shown commendable growth, achieving a 25% increase in AUM to INR 10,865 crores in FY 25, driven by strategic expansions and a focus on operational efficiency.

Aptus has managed to maintain an excellent net interest margin and cost-to-income ratio, making it one of the best in the industry, with a robust liquidity position.

Despite temporary setbacks in disbursements due to external factors, Aptus remains confident in achieving a 25%+ growth rate in AUM, supported by its technological advancements and branch network expansion.

The management's strategic intent focuses on long-term customer qualification improvements, moving away from lower-ticket loans to enhance customer profile and reduce future risks.