APTUS VALUE HOUSING FINANCE INDIA LIMITED
No. 8B, Doshi Towers, 8th Floor, No: 205,
Poonamallee High Road, Kilpauk, Chennai, Tamil Nadu, 600010
9 months FY 22 Results
- AUM of Rs. 4,805 crores; growth of 27% Y-o-Y
- PAT at Rs. 260 crores; growth of 36% Y-o-Y
- ROA at 7.82% – increase by 60 bps Y-o-Y
- Gross NPA at 1.53% (1.11% without considering the impact of RBI circular dated 12 Nov 2021)
- Net NPA at 1.16%
- Sufficient on balance sheet liquidity of Rs. 835 crores including undrawn sanctions
- Positive ALM and Strong Capital Base
Chennai: January 28th, 2022: Aptus Value Housing Finance India Ltd, a leading Housing Finance Company in South India has declared its financial results for the quarter and 9 months ended on 31st December, 2021.
Key Performance Metrics for 9 months FY22
| Particulars (Rs. Cr) | 9m FY22 | 9m FY21 | Y-o-Y |
| Disbursements | 1,122 | 895 | 25% |
| AUM | 4,805 | 3,791 | 27% |
| PAT | 260 | 191 | 36% |
| Gross NPA (%) | 1.53(*) | 0.76 | Increase by 77 bps |
| ROA (%) | 7.82 | 7.22 | Increase by 60 bps |
(*) – As per RBI circular dated 12 Nov 2021
Performance Highlights
- Return on Assets (ROA) is at 7.82%
- Return on Equity (ROE) is at 14.12%
- Networth of over Rs. 2,800 crores
- Diversified borrowings – from NHB, DFIs like IFC, large financial institutions and banks
- Network of 202 branches as on 31st December 2021
Commenting on the results, Mr. M Anandan, Chairman & Managing Director,
Aptus Value Housing Finance India Limited, said, “During the 9 months FY 22, we disbursed Rs. 1,122 crores regis tering a growth of 25% year on year. We have built a strong branch network of 202 branches to deliver quality serv ice to our customers. The Company is well capitalised with a net worth of over Rs. 2,800 crores. As on December 31, 2021, we have maintained a sufficient on balance sheet liquidity of Rs. 835 crores including undrawn sanctions in the form of cash and cash equivalents.
We continued to grow consistently and delivered an AUM growth of 27% Year on Year. PAT has grown at 36% and our ROA was at 7.82% which is one of the best in the Industry. Gross NPA was at 1.53% as on 31 Dec 2021. Our GNPA without considering the impact of RBI circular was at 1.11%.
Our rating was upgraded to AA- from A+ by ICRA during the quarter.
The Company expects a better Q4 which coincides with the busy season and hopes to grow the business volumes in the quarters ahead.
About Aptus Value Housing Finance India Limited: (aptusindia.com; BSE: 543335; NSE: APTUS)
Aptus Value Housing Finance India Limited is one of the largest housing finance companies in south India in ter ms of AUM. The company offers home loans for purchase and self-construction of residential property, home improvement, extension loans, loan against property and business loans, primarily to first time home buyers belonging to the low and middle-income groups. The company has a network of 202 branches catering to 77,896 active live accounts in Tamil Nadu (including the Union Territory of Puducherry), Andhra Pradesh, Karnataka, and Telangana.
DISCLAIMER:
Certain statements that are made in the Investor Release may be forward-looking statements. Such forward-looking statements are subject to certain risks and uncertainties like significant changes in economic environment in India and overseas, tax laws, inflation, litigation, etc. Actual results might differ substantially from those expressed or implied. Aptus Value Housing Finance India Ltd. will not be in any way responsible for any action taken based on such statements and discussions; and undertakes no obligation to publicly update these forward-looking statements to reflect subsequent events or circumstances.
