Aptus Value Housing Finance Reports on Sustainability Efforts for FY2025-2026
Aptus Value Housing Finance India Limited, a leading provider of long term housing finance and loans against property, has published its Business Responsibility and Sustainability Report (BRSR) covering the financial year April 2025 to March 2026. The report details the company’s operational scope, workforce composition, risk mitigation strategies, and performance across environmental and social metrics, with independent assurance provided by Sundaram & Srinivasan, Chartered Accountants.The company operates in the financial services sector, providing housing finance solutions that account for 98% of its turnover. Its core offerings include Home Loans for construction or purchase of houses/flats and Loan Against Property for refinancing purposes. The business caters primarily to individuals in rural and semi urban regions, targeting economically weaker, low income, and middle income customers who are salaried or self employed borrowers.
Operational Footprint and Workforce Details
Aptus Value Housing Finance maintains a significant operational presence with 339 offices nationwide across 6 states and one Union Territory of India. The company’s workforce stands at 3,807 permanent employees.Key insights into the personnel and internal governance include:
| Indicator | Status/Figure (FY2026) |
|---|---|
| Total Employees | 3,807 |
| Male Permanent Employees | 3,722 (97.77% of total employees) |
| Female Permanent Employees | 85 (2.23% of total employees) |
| Board Representation | 1 female out of 7 directors (14.29%) |
The company maintains a strict policy framework across its operations, stating that all policies adopted are approved by the Board, and procedures have been translated from these policies in areas covering integrity, customer protection, employee well being, human rights, and environmental protection. The company utilizes digital channels for customer acquisition and engagement, which has aided in reducing paper based processes and supporting efforts to lower its carbon footprint.
ESG Performance and Risk Management
The BRSR highlights the organization's commitment to managing several material risks related to business conduct and sustainability. Identified material issues included Responsible Lending and Customer Protection (rated as an Opportunity & Risk), Credit Risk Management and Asset Quality (Risk), Financial Inclusion (Opportunity), Employee Development, and Liquidity and Fund Management (Risk).The company mitigates credit risk through robust underwriting standards and portfolio monitoring mechanisms. Regarding financial inclusion, the entity pursues tailored financing solutions for underserved segments.
Key performance areas covered in the report include:
- Employee Wellbeing: The cost incurred on well being measures as a percentage of total revenue was 0.25% in FY2026, compared to 0.19% in FY2025.
- Safety Standards: For both FY2026 and FY2025, the company reported nil for Total recordable work related injuries and Lost Time Injury Frequency Rate (LTIFR).
- Waste Management: The total e waste generated was 0.042 metric tonnes in FY2026, down from 1.086 metric tonnes in the previous financial year.
Environmental Stewardship and Resource Efficiency
The report provides detailed metrics on resource consumption and environmental impact:| Parameter | FY2026 (Current Financial Year) | FY2025 (Previous Financial Year) |
|---|---|---|
| Total Energy Consumed | 3,862.77 | 3,679.92 |
| Energy Intensity per Rupee of Turnover | 1.76 Gj/ Rupees crores of turnover | 2.10 Gj/ Rupees crores of turnover |
| Total Water Consumption (Groundwater) | 49,681.4 kiloliters | 43,730.6 kiloliters |
The company's ESG efforts are demonstrated through technology adoption and process improvement. Initiatives include the deployment of an AI enabled Video Personal Discussion system for credit underwriting and a disbursement API integrated system to enable seamless, paperless fund disbursements. The company also ensures compliance with its environmental norms as applicable, with no non compliances reported.
Inclusive Development Focus
The entity reports several metrics under inclusive development, including input sourcing and job creation in smaller towns:| Parameter | FY2026 (Current Financial Year) | FY2025 (Previous Financial Year) |
|---|---|---|
| Percentage of purchases from MSMEs/small producers | 2.43% | 2.57% |
| Job creation in Rural areas (as % of total wage cost) | 1.18% | 0.91% |
The company also maintains dedicated grievance redressal mechanisms across multiple channels, including a Grievance Redressal Policy, to handle concerns from customers and stakeholders. The GRI reporting shows that the firm provided all product information, including the Most Important Terms and Conditions (MITC), upfront to ensure borrowers make well informed financial decisions.
APTUS Stock Price Movement
Aptus Value Housing Finance India Limited shares edged higher today, successfully closing at ₹289.50 after gaining 2.18%. The stock saw steady activity throughout the session, concluding within an intraday range defined by a low of ₹280.15 and a high of ₹298.95 on a volume of 1.83 million shares.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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