Aptus Value Housing Finance India Ltd.

Financial

	Aptus Value Housing	Aavas Financiers	Home First Finance
Operational Metrics
Banking Sector
Net Interest Margin	13.4 %	7.64 %	5.2 %
NBFC
Tier I Capital	71.08 %	44.38 %	n/a
Cost of Borrowing	8.6 %	8.24 %	8.4 %
AUM - NBFC	11267.0 Crs	20420.2 Crs	13478.7 Crs
Capital to Risks Assets Ratio (CRAR)	70.0 %	44.5 %	49.6 %
Gross NPA	1.49 %	1.08 %	1.8 %
Net NPA	1.12 %	0.73 %	n/a
Unclassified
Tier 2 Capital	0.23 %	n/a	n/a
Yield On Advances	17.4 %	13.13 %	13.4 %
Financials
5 yr Average ROE	14.98 %	12.54 %	12.24 %
5yr average Equity Multiplier	2.29	3.96	3.95
5yr Average Asset Turnover Ratio	0.15	0.12	0.12
5yr Avg Net Profit Margin	44.18 %	26.41 %	26.48 %
5yr Avg Net Profit Margin	44.18 %	26.41 %	26.48 %
5yr CAGR Net Profit	22.99 %	14.53 %	30.71 %
5yr CAGR Sales	22.26 %	17.47 %	25.77 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.79	3.61	4.96
P/E	20.5	27.79	30.24
Shareholdings
Promoter Holding	40.37 %	48.96 %	12.43 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-21.98 %	9.77 %	-21.15 %
Change in Mutual Fund Holding (3 Yrs)	13.31 %	3.71 %	13.33 %

Business

	Aptus Value Housing	Aavas Financiers	Home First Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 90.25 Fees 2.59 Others 1.09 Corporate 0 Retail 0 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Others 6.07	Product Wise Break-Up Retail 99.6 Fees & commission 0 Fees 0 Net gain on fair value charge 0 Interest income 0 Others 0 Interest Income 0 Corporate 0.4	Product Wise Break-Up Retail 0 Fee & Commission income 4.17 Fees 0 Net gain on derecognition of financial assets carried at fair value 0.74 Interest Income 87.52 Others 0 Interest Income 0 Corporate 0 Others 7.57
Loan Break-Up	Loan Break-Up Housing Finance 61.0 Business Loan 19.0 Quasi HL 14.0 Insurance Loans 3.0 Top Up Loans 3.0 Loan Against Property 0 Mortgage loan 0	Loan Break-Up Business Loan 0 Loan Against Property 0 Insurance Loans 0 Quasi HL 0 Loan Against Property 13.0 Top Up Loans 0 Housing Finance 0 Others 87.0	Loan Break-Up Business Loan 0 Loan Against Property 15.0 Insurance Loans 0 Quasi HL 0 Mortgage loan 0 Top Up Loans 0 Housing Finance 0 Others 85.0
Location Wise Break-Up	Location Wise Break-Up Andhra Pradesh 42.58 Tamil Nadu 32.86 Telangana 16.33 Karnataka 7.63 India 0 Others 0.6	Location Wise Break-Up Tamil Nadu 0 Andhra Pradesh 0 Telangana 0 Karnataka 0 India 100.0	Location Wise Break-Up Tamil Nadu 13.0 Andhra Pradesh 5.5 Telangana 8.5 Karnataka 0 India 0 Others 73.0
Customer Segment	Customer Segment Self Employed 78.0 Salaried 22.0 Self Emplyoed 0 Corporates and Others 0	Customer Segment Self-Employed 60.0 Self Employed 0 Corporates and Others 0 Salaried 40.0	Customer Segment Self Emplyoed 0 Self Employed 32.0 Corporates and Others 0 Salaried 68.0
Borrowings Break-Up	Borrowings Break-Up Banks 51.6 NCD 20.5 NHB 13.9 NCDs 0 NHB Refinancing 0 Assignment 0 Term Loans 0 Co-lending 0 Private Banks 0 PSU Banks 0 NBFC 0 DA 0 Others 14.0	Borrowings Break-Up NBFC 0 DA 0 NCD 0 NCD 9.5 Co-lending 0 Banks 0 NHB 0 Assignment 25.2 Loan From Banks 50.0 NHB 14.4 Private Banks 0 PSU Banks 0 Others 0.9	Borrowings Break-Up NBFC 2.0 DA 14.0 NCD 3.0 NCDs 0 Co-lending 3.0 Banks 0 NHB 16.0 Assignment 0 Term Loans 0 NHB Refinancing 0 Private Banks 26.0 PSU Banks 34.0 Others 2.0
Ticket Size	Ticket Size <10lks 93.0 10-20 Lakhs 0 <10 Lakhs 0 >25 Lakhs 0 20-25 Lakhs 0 Others 7.0	-	Ticket Size <10 Lakhs 0 10-20 Lakhs 0 20-25 Lakhs 12.0 >25 Lakhs 14.0 <10lks 0 Others 74.0
NPA Break-Up	NPA Break-Up Business Loan 49.75 Housing Finance 43.55 Loan Against Property 6.7	-	-

Aptus Value Housing Finance India Ltd.

Aptus Value Housing Finance India Ltd.

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