Aptus Value Housing Management Guidance Tracker

Management expects sustainable AUM growth of 22-24% driven by branch expansion, higher ticket size, and calibrated pricing.

Management expects sustainable AUM growth driven by new branches, higher ticket sizes, and connector channel.

For the next financial year, the company plans to accelerate branch expansion to 60-70 branches, focusing on new states and high-growth markets.

Management reiterated credit cost guidance of 0.5% despite aggressive write-off policy.

Management confident of maintaining ROE above 20% despite slight yield compression, supported by productivity gains.

Credit cost expected to remain in the range of 40-60 bps, consistent with FY26.

Operating expenses as a percentage of AUM to be maintained within this range, with investments in technology.

Reduced interest rates on incremental home loans by 50-75 bps, with minimal impact on overall yield (less than 10 bps).