Aptus Value Housing Finance India Ltd.

Financial

	Aptus Value Housing	Aavas Financiers	Home First Finance
Operational Metrics
Banking Sector
Net Interest Margin	13.37 %	7.94 %	5.7 %
NBFC
Tier I Capital	76.6 %	44.8 %	n/a
Cost of Borrowing	8.55 %	7.95 %	8.2 %
AUM - NBFC	7604.0 Crs	16079.5 Crs	9013.7 Crs
Capital to Risks Assets Ratio (CRAR)	70.45 %	44.8 %	40.9 %
Gross NPA	1.19 %	1.09 %	1.7 %
Net NPA	0.89 %	0.79 %	n/a
Unclassified
Tier 2 Capital	0.78 %	n/a	n/a
Yield On Advances	17.21 %	13.07 %	13.5 %
Financials
5 yr Average ROE	13.91 %	11.86 %	9.78 %
5yr average Equity Multiplier	2.4	3.69	3.77
5yr Average Asset Turnover Ratio	0.14	0.12	0.11
5yr Avg Net Profit Margin	41.96 %	26.5 %	23.62 %
5yr Avg Net Profit Margin	41.96 %	26.5 %	23.62 %
5yr CAGR Net Profit	35.15 %	19.54 %	37.94 %
5yr CAGR Sales	27.41 %	17.76 %	24.04 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.91	3.69	3.98
P/E	29.81	27.28	27.08
Shareholdings
Promoter Holding	61.09 %	26.47 %	23.56 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.42 %	-23.61 %	-10.14 %
Change in Mutual Fund Holding (3 Yrs)	2.97 %	17.5 %	4.54 %

Business

	Aptus Value Housing	Aavas Financiers	Home First Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 96.31 Fees 3.31 Others 0.38 Corporate 0 Retail 0 Net gain on fair value charge 0 Fees & commission 0 Interest income 0	Product Wise Break-Up Net gain on fair value charge 0 Corporate 0.4 Interest income 0 Fees 0 Retail 99.6 Fees & commission 0 Others 0 Interest Income 0	Product Wise Break-Up Net gain on derecognition of financial assets carried at fair value 2.7 Corporate 0 Interest Income 89.29 Fees 0 Retail 0 Fee & Commission income 0.83 Others 0 Interest Income 0 Others 7.18
Loan Break-Up	Loan Break-Up Housing Finance 59.0 Business Loan 21.0 Quasi HL 16.0 Insurance Loans 2.0 Top Up Loans 2.0 Loan Against Property 0 Mortgage loan 0 Housing loan to Corporate Bodies/others 0 Non-Housing loans 0 Developer Finance 0 0 Housing Loan 0	Loan Break-Up Top Up Loans 0 Quasi HL 0 Housing loan to Corporate Bodies/others 0 Developer Finance 0 Business Loan 0 Housing Finance 0 Loan Against Property 30.7 0 Housing Loan 0 Loan Against Property 0 Insurance Loans 0 Non-Housing loans 0 Others 69.3	Loan Break-Up Top Up Loans 0 Quasi HL 0 Housing loan to Corporate Bodies/others 0 Developer Finance 0 Business Loan 0 Housing Finance 0 Mortgage loan 0 Loans for Purchase of Commercial Property 1.0 Housing Loan 86.0 Loan Against Property 13.0 Insurance Loans 0 Non-Housing loans 0
Location Wise Break-Up	Location Wise Break-Up Andhra Pradesh 39.0 Tamil Nadu 39.0 Telangana 14.0 Karnataka 8.0 India 0	Location Wise Break-Up Telangana 0 India 100.0 Karnataka 0 Tamil Nadu 0 Andhra Pradesh 0	Location Wise Break-Up Telangana 8.9 India 0 Karnataka 6.9 Tamil Nadu 14.0 Andhra Pradesh 4.8 Others 65.4
Customer Segment	Customer Segment Self Employed 72.0 Salaried 28.0 Self Emplyoed 0 Corporates and Others 0	Customer Segment Self-Employed 59.8 Corporates and Others 0 Self Employed 0 Salaried 40.2	Customer Segment Self Emplyoed 0 Corporates and Others 0 Self Employed 32.0 Salaried 68.0
Borrowings Break-Up	Borrowings Break-Up Banks 63.0 NHB 23.0 NCD 6.0 NCDs 0 NHB Refinancing 0 Assignment 0 Term Loans 0 Private Banks 0 PSU Banks 0 NBFC 0 DA 0 Others 8.0	Borrowings Break-Up NHB 0 Assignment 24.18 NHB 18.78 PSU Banks 0 NBFC 0 DA 0 NCD 0 NCD 10.09 Private Banks 0 Loan From Banks 46.95 Banks 0	Borrowings Break-Up NHB 22.0 Assignment 0 NHB Refinancing 0 PSU Banks 25.0 NBFC 2.0 DA 14.0 NCD 3.0 NCDs 0 Private Banks 31.0 Term Loans 0 Banks 0 Others 3.0
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 20-25 Lakhs 12.0 >25 Lakhs 10.0 <10 Lakhs 0 <10lks 0 10-20 Lakhs 0 Others 78.0
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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