Chennai, India – January 31, 2025 – Aptus Value Housing Finance India Limited (BSE: 543335, NSE: APTUS) reported robust financial performance for the third quarter ending December 31, 2024, driven by strong revenue growth, healthy net profit margins, and strategic capital deployment.
Key Financial Highlights (Standalone)
| Metric | Q3 FY2025 | Q2 FY2025 | Q3 FY2024 | 9M FY2025 | 9M FY2024 |
|---|---|---|---|---|---|
| Revenue from Operations (INR Lakhs) | 32,907.15 | 31,362.77 | 27,640.15 | 94,167.17 | 79,950.56 |
| Net Interest Income (INR Lakhs) | 31,751.76 | 30,183.19 | 26,658.07 | 90,780.69 | 77,556.18 |
| Net Profit (INR Lakhs) | 14,175.20 | 13,679.13 | 12,078.59 | 40,580.88 | 35,837.97 |
| Earnings Per Share (INR) | 2.84 | 2.74 | 2.42 | 8.13 | 7.19 |
| Net Worth (INR Lakhs) | 3,60,993.07 | - | - | - | - |
Key Financial Highlights (Consolidated)
| Metric | Q3 FY2025 | Q2 FY2025 | Q3 FY2024 | 9M FY2025 | 9M FY2024 |
|---|---|---|---|---|---|
| Revenue from Operations (INR Lakhs) | 45,004.51 | 42,139.01 | 35,142.02 | 1,26,637.18 | 99,063.35 |
| Net Interest Income (INR Lakhs) | 43,347.75 | 40,517.59 | 33,846.29 | 1,21,962.28 | 95,990.49 |
| Net Profit (INR Lakhs) | 19,050.49 | 18,196.91 | 15,758.71 | 54,422.08 | 44,786.33 |
| Earnings Per Share (INR) | 3.82 | 3.65 | 3.16 | 10.90 | 8.98 |
Operational Performance & Asset Quality
- Gross Non-Performing Assets (GNPA): 1.20%
- Net Non-Performing Assets (NNPA): 0.89%
- Provision Coverage Ratio on Stage 3 Assets: 25.84%
- Liquidity Coverage Ratio: 121%
Capital Market & Debt Instruments
- The company issued 25,000 secured, redeemable, rated, listed Non-Convertible Debentures (NCDs) amounting to INR 25,000 lakhs in Q3 FY2025.
- The listed NCDs, aggregating INR 73,622.47 lakhs, are secured by an exclusive charge on receivables and a subservient charge over immovable property.
Key Appointments
- Mr. Anand Raghavan (DIN: 00243485) has been appointed as Additional (Independent) Director for a tenure of 5 years.
- Mr. Natarajan Ramasubramanian (DIN: 10887970) has also been appointed as Additional (Independent) Director for 5 years.
Management Commentary
"We continue to witness strong momentum in our business, driven by a growing demand for housing finance solutions. Our disciplined approach to lending, cost efficiency, and digital innovation is helping us achieve sustainable growth. With a strong balance sheet and low NPAs, we remain well-positioned for long-term value creation."— M. Anandan, Executive Chairman, Aptus Value Housing Finance India Limited.