Aavas Financiers Ltd.

Financial

	Aavas Financiers	Home First Finance	Aptus Value Housing
Operational Metrics
Banking Sector
Net Interest Margin	7.91 %	5.7 %	13.37 %
Yield On Advances	13.13 %	13.5 %	17.21 %
NBFC
Cost To Income Ratio	25.54 %	35.9 %	n/a
Cost of Borrowing	8.07 %	8.2 %	8.55 %
AUM - NBFC	17312.6 Crs	9013.7 Crs	7604.0 Crs
Capital to Risks Assets Ratio (CRAR)	43.99 %	40.9 %	70.45 %
Tier I Capital	43.76 %	n/a	76.6 %
Gross NPA	0.94 %	1.7 %	1.19 %
Net NPA	0.67 %	n/a	0.89 %
Financials
5 yr Average ROE	11.86 %	9.78 %	13.91 %
5yr average Equity Multiplier	3.69	3.77	2.4
5yr Average Asset Turnover Ratio	0.12	0.11	0.14
5yr Avg Net Profit Margin	26.5 %	23.62 %	41.96 %
5yr Avg Net Profit Margin	26.5 %	23.62 %	41.96 %
5yr CAGR Net Profit	19.54 %	37.94 %	35.15 %
5yr CAGR Sales	17.76 %	24.04 %	27.41 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.32	4.08	4.36
P/E	25.54	27.73	26.82
Shareholdings
Promoter Holding	26.47 %	23.56 %	61.09 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-23.61 %	-10.14 %	-1.42 %
Change in Mutual Fund Holding (3 Yrs)	17.5 %	4.54 %	2.97 %

Business

	Aavas Financiers	Home First Finance	Aptus Value Housing
Product Wise Break-Up	Product Wise Break-Up Retail 99.6 Corporate 0.4 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Net gain on fair value changes 0 Fees & Commission Income 0 Interest Income 0	Product Wise Break-Up Corporate 0 Net gain on fair value changes 0 Interest Income 0 Fee & Commission income 0.83 Retail 0 Interest Income 89.29 Fees & Commission Income 0 Net gain on derecognition of financial assets carried at fair value 2.7 Others 7.18	Product Wise Break-Up Corporate 0 Others 0.38 Interest Income 96.31 Fees & commission 0 Retail 0 Interest income 0 Fees 3.31 Net gain on fair value charge 0
Loan Break-Up	Loan Break-Up Home loans 59.8 Loan Against Property 40.2 Housing loan to Corporate Bodies/others 0 Non-Housing loans 0 Developer Finance 0 Loan Against Property 0 0 Housing Loan 0 Quasi HL 0 Insurance Loans 0 Top Up Loans 0 Business Loan 0	Loan Break-Up Business Loan 0 Non-Housing loans 0 Housing loan to Corporate Bodies/others 0 Loan Against Property 13.0 Insurance Loans 0 Quasi HL 0 Housing Loan 86.0 Top Up Loans 0 Loans for Purchase of Commercial Property 1.0 Home loans 0 Developer Finance 0	Loan Break-Up Business Loan 21.0 Non-Housing loans 0 Housing loan to Corporate Bodies/others 0 Loan Against Property 0 Insurance Loans 2.0 Quasi HL 16.0 Housing Loan 0 Top Up Loans 2.0 0 Home loans 0 Developer Finance 0 Others 59.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Karnataka 0 Telangana 0 Andhra Pradesh 0 Tamil Nadu 0	Location Wise Break-Up Tamil Nadu 14.0 Telangana 8.9 Karnataka 6.9 Andhra Pradesh 4.8 India 0 Others 65.4	Location Wise Break-Up Tamil Nadu 39.0 Telangana 14.0 Karnataka 8.0 Andhra Pradesh 39.0 India 0
Customer Segment	Customer Segment Self-Employed 59.8 Salaried 40.2 Corporates and Others 0 Self Employed 0	Customer Segment Corporates and Others 0 Self-Employed 0 Self Employed 32.0 Salaried 68.0	Customer Segment Corporates and Others 0 Self-Employed 0 Self Employed 72.0 Salaried 28.0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 47.5 Assignment 23.9 NHB 19.6 NCD 9.0 Private Banks 0 PSU Banks 0 NBFC 0 NHB 0 NCD 0 DA 0 Banks 0	Borrowings Break-Up Private Banks 31.0 Banks 0 Loan From Banks 0 NBFC 2.0 NCD 3.0 PSU Banks 25.0 DA 14.0 Assignment 0 NHB 22.0 Others 3.0	Borrowings Break-Up Private Banks 0 Banks 63.0 Loan From Banks 0 NBFC 0 NCD 6.0 PSU Banks 0 DA 0 Assignment 0 NHB 23.0 Others 8.0

Aavas Financiers Ltd.

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