Aptus Value Housing Finance India Ltd — Q4 FY26
Aptus Value Housing Finance delivered a strong Q4 FY26 with disbursements of ₹1,242 crore (highest ever, +17% YoY) and PAT growth of 26% YoY to ₹261 crore.
bullish
high
✓ Verified against BSE filing
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q3 FY26
AUM growth of 22-24%
Management expects sustainable AUM growth of 22-24% driven by branch expansion, higher ticket size, and calibrated pricing.
Delivered
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
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Q3 FY26
Credit cost maintained at 0.5%
Management reiterated credit cost guidance of 0.5% despite aggressive write-off policy.
Delivered
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
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Q3 FY26
Home loan rate cut of 50-75 bps on incremental disbursements
Reduced interest rates on incremental home loans by 50-75 bps, with minimal impact on overall yield (less than 10 bps).
Delivered
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
heuristic_v1