Aptus Value Housing Finance India Ltd.

Financial

	Aptus Value Housing	Aavas Financiers	Home First Finance
Operational Metrics
Banking Sector
Net Interest Margin	12.94 %	7.54 %	4.9 %
NBFC
Tier I Capital	72.44 %	45.45 %	n/a
Cost of Borrowing	8.7 %	8.24 %	8.4 %
AUM - NBFC	10226.0 Crs	19238.0 Crs	11949.4 Crs
Capital to Risks Assets Ratio (CRAR)	65.0 %	45.56 %	33.1 %
Gross NPA	1.28 %	1.14 %	1.7 %
Net NPA	0.96 %	0.81 %	n/a
Unclassified
Tier 2 Capital	0.59 %	n/a	n/a
Yield On Advances	17.38 %	13.18 %	13.5 %
Financials
5 yr Average ROE	13.97 %	12.54 %	10.91 %
5yr average Equity Multiplier	2.2	3.96	3.73
5yr Average Asset Turnover Ratio	0.14	0.12	0.12
5yr Avg Net Profit Margin	44.03 %	26.41 %	25.48 %
5yr Avg Net Profit Margin	44.03 %	26.41 %	25.48 %
5yr CAGR Net Profit	23.73 %	14.53 %	30.9 %
5yr CAGR Sales	22.02 %	17.47 %	22.48 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.17	4.54	5.43
P/E	23.66	34.94	34.48
Shareholdings
Promoter Holding	52.98 %	26.47 %	14.25 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-9.37 %	-12.73 %	-19.35 %
Change in Mutual Fund Holding (3 Yrs)	7.63 %	3.47 %	13.37 %

Business

	Aptus Value Housing	Aavas Financiers	Home First Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 96.32 Fees 3.31 Others 0.37 Corporate 0 Retail 0 Net gain on fair value charge 0 Fees & commission 0 Interest income 0	Product Wise Break-Up Corporate 0.4 Retail 99.6 Interest Income 0 Fees 0 Others 0 Fees & commission 0 Interest income 0 Net gain on fair value charge 0	Product Wise Break-Up Corporate 0 Retail 0 Interest Income 0 Fees 0 Others 0 Fee & Commission income 3.79 Interest Income 87.64 Net gain on derecognition of financial assets carried at fair value 3.0 Others 5.57
Loan Break-Up	Loan Break-Up Housing Finance 61.0 Business Loan 20.0 Quasi HL 14.0 Insurance Loans 2.0 Top Up Loans 2.0 Loan Against Property 0 Mortgage loan 0 Others 1.0	Loan Break-Up Business Loan 0 Top Up Loans 0 Quasi HL 0 Loan Against Property 0 Housing Finance 0 Loan Against Property 13.0 Insurance Loans 0 Others 87.0	Loan Break-Up Business Loan 0 Top Up Loans 0 Quasi HL 0 Loan Against Property 14.0 Housing Finance 0 Mortgage loan 0 Insurance Loans 0 Others 86.0
Location Wise Break-Up	Location Wise Break-Up Andhra Pradesh 43.0 Tamil Nadu 33.0 Telangana 16.0 Karnataka 8.0 India 0	Location Wise Break-Up Tamil Nadu 0 Telangana 0 India 100.0 Andhra Pradesh 0 Karnataka 0	Location Wise Break-Up Tamil Nadu 13.4 Telangana 8.6 India 0 Andhra Pradesh 5.4 Karnataka 0 Others 72.6
Customer Segment	Customer Segment Self Employed 77.0 Salaried 23.0 Self Emplyoed 0 Corporates and Others 0	Customer Segment Self Employed 0 Salaried 40.0 Self-Employed 60.0 Corporates and Others 0	Customer Segment Self Employed 32.0 Salaried 68.0 Self Emplyoed 0 Corporates and Others 0
Borrowings Break-Up	Borrowings Break-Up Banks 54.0 NHB 18.0 NCD 15.0 NCDs 0 NHB Refinancing 0 Assignment 0 Term Loans 0 Co-lending 0 Private Banks 0 PSU Banks 0 NBFC 0 DA 0 Others 13.0	Borrowings Break-Up NBFC 0 PSU Banks 0 NHB 15.9 Assignment 24.8 Private Banks 0 NHB 0 NCD 0 Co-lending 0 Banks 0 Loan From Banks 50.3 DA 0 NCD 9.0	Borrowings Break-Up NBFC 3.0 PSU Banks 31.0 NHB Refinancing 0 Assignment 0 Private Banks 28.0 NHB 17.0 NCD 3.0 Co-lending 3.0 Banks 0 Term Loans 0 DA 13.0 NCDs 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 20-25 Lakhs 0 >25 Lakhs 14.0 <10 Lakhs 0 <10lks 0 10-20 Lakhs 0 Others 86.0
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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