P. Balaji
Managing Director
Promise Delivery Record
AUM growth of 22-24%
✓ MET
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
Aptus Value Housing · Q4 FY26
Credit cost maintained at 0.5%
✓ MET
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
Aptus Value Housing · Q4 FY26
Home loan rate cut of 50-75 bps on incremental disbursements
✓ MET
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
Aptus Value Housing · Q4 FY26Notable Quotes
Our spread improved to 9% driven by decline in cost of funds to 8.1%.
We have discontinued sanctions below seven lakhs. While this decision led to temporary moderation in disbursements in Q1 and Q2, we rebounded strongly in Q4.
For me maintaining the quality of book is much more important than maintaining a guided range of 28% or 25%.
The competition is more in the housing segment. That is why we are calibrating the interest rates on the housing loans for the incremental customers which will aid growth in the housing loans.
If the market is believing some other thing I don't know how much to convince the market I can only communicate it like this to you all.