Disbursements during the quarter rose 10% YoY to ₹1,064 crore, reflecting steady demand across its target geographies. Total assets under management (AUM) stood at ₹10,865 crore as of March 31, registering a 25% increase compared to the year-ago period. The company expanded its reach by adding 38 new branches during FY25, taking the total to 300.
Profitability ratios remained robust, with return on assets (RoA) at 7.85% and return on equity (RoE) improving to 19.66% from 17.25% a year earlier. Operating expense ratio stood at 2.69%, largely flat compared to 2.70% in Q4FY24. The spread remained stable at 8.71%.
Asset quality was largely steady, with gross non-performing assets (NPA) rising marginally to 1.19% from 1.07% in Q4FY24. The company maintained net credit costs (including ECL provisions) at 0.29%, the same as last year, and reiterated its conservative credit cost guidance of 40–45 basis points for the upcoming year.
Aptus said it achieved 92% digital agreement adoption and 96% of collections were conducted digitally during the quarter. It noted increasing use of account aggregator data, which now covers 57% of its customer base. The company said it remains focused on controlled growth, asset quality, and operational efficiencies as it pursues its medium-term goal of achieving ₹25,000 crore in AUM by FY28.
Shares of the company ended at a price of ₹317.60, down 2.3% from yesterday’s close.
