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280.00
285.55
221.20
394.95
6M Return -23.87%
1Y Return -18.90%
Mkt Cap.(Cr) 13,963.40
Volume 5,378
Div Yield 0.00%
OI
-
OI Chg %
-
Volume 5,378

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Rapid Results

Q1FY23 Quarterly Result Announced for Aptus Value Housing Finance India Ltd.

Aptus Value Housing Finance India Announced Q1FY23 Result :

  • AUM at Rs. 5,519 crores (up 30% YoY)
  • Disbursements stood at Rs.525 crores (up 113%YoY)
  • NIM at 14.28% (up 1.81% YoY)
  • PAT at Rs. 119 crores(up 62% YoY)
  • Gross NPA at 1.75%/Net NPA at 1.32% (NPA computed based on RBI circular dated 12 Nov 2021)

Commenting on the results, Mr. M Anandan, Chairman & Managing Director, Aptus Value Housing Finance India Limited, said, “During QIFY23, we disbursed Rs. 525 crores registering a growth of 113% year on year. We have built a strong branch network of 211 branches to deliver quality service to our customers. The Company is well capitalised with a net worth of over Rs. 3000 crores. As on June 30, 2022, we have maintained a sufficient on balance sheet liquidity of over Rs. 1300 crores including undrawn sanctions in the form of cash and cash equivalents. With strong capital base and prudent borrowing practices, we have positive ALM across tenors.

The business in this quarter geared up for strong growth in disbursements and collection efficiencies have come back to pre covid levels with considerable improvement in soft buckets. 30 DPD which was at 9.91% as on 31 March 2022 has come down to 6.48% though GNPAs have risen marginally. Gross NPA was at 1.75% as on June 30, 2022. We continued to grow consistently and delivered an AUM growth of 30% Year on Year. PAT has grown at 62% and our ROA and ROE is one of the best in the Industry. Our rating was upgraded to AA- from A by CARE during the quarter. ICRA has maintained our rating at AA- ."

 

Result PDF

Financials

  • Profit and loss statement

  • Balance sheet

  • Quarterly Result

  • Ratio

Sales(Cr.)

Operating Profit(Cr.)

Profit after Tax(Cr.)

Equity

Reserves and Surplus

Debt

Sales

Operating Profit

Profit after tax

PE

Debt/Equity

P BV

INSIDER & INSTITUIONAL ACTIVITY

Equity Capital: 2,911.78 Cr FV: 2.00
Period MF Net Purchase / (sold) FII Net
LAST 1M 2,805.20 26,355.35
LAST 3M 41,700.80 -10,395.59
LAST 6M 127,269.18 -151,588.49
LAST 12M 214,610.04 -219,403.16

Information

  • About Company
  • Company Info
  • Listing Info
33.9
62.35%
58.5697
12.56%
13.24%
Description
  • Aptus Value Housing Finance India Limited ("the Company") was incorporated on December 11, 2009 with the primary objective of carrying on the business of providing long term housing finance to meet the housing needs of the low and middle-income segment in the country.The Company is also engaged in providing loans for non-housing finance activities in the form of Loan Against Properties ("LAP"). The Company received the certificate ofregistration from the National Housing Bank ("NHB") on 31 May 2010 to commence the business of Housing Finance without accepting public deposits. The certificate of commencement of business was received from the Registrarof Companies on 25 June 2010. The Company has a wholly owned subsidiary, Aptus Finance India Private Limited, which is a Non- Banking Finance Company registered with Reserve Bank of India ("RBI") and engaged in the business providing finance in the form of loan against immovable properties. During the year 2016-17, the Company had allotted 15,911,765 equity shares of Rs. 10 each at a premium of Rs. 160 per share on preferential basis to Westbridge Cross Over Fund LLC (14,441,176 shares) and India Financial Inclusion Fund (1,470,589 shares) vide Share Subscription Agreement dated 31 August 2016. As at 31 March 2018, the total assets under management(AUM) increased to Rs. 1,411 crores as against Rs. 846 crores previous year thereby registering a growth of 67%. During the year the distribution network, in addition to Tamil Nadu, and got expanded in the states of Andhra Pradesh, Telangana and Karnataka. As of 31 March 2018, Aptus had presence in 115 locations as against 80 in the previous year. The Year 2017-18 saw Aptus further diversify its debt funding by issuing Debentures (Rs. 200 crores) to Mutual Funds in addition to funding from various private sector banks and IFC. Apart from this, National Housing Bank also increased their refinance exposure to the Company to around Rs. 164 crores. As on 31 March 2018, 44% of borrowings were from leading private sector banks, 24% of borrowings were from Mutual Funds, 20% of borrowings were from NHB and 12% of borrowings were from IFC (World Bank Group). As at 31 March 2019, the total assets under management(AUM) increased to Rs 2,244 crore as against Rs 1,413 crore previous year thereby registering a growth of 59%. During the year the distribution network, in addition to Tamilnadu, got expanded in the states of Andhra Pradesh, Telangana and Karnataka. As of 31 March 2019, Aptus had presence in 143 locations as against 115 in the previous year. During the year 2018 - 19, Aptus focused on building a strong and diversified borrowing profile coupled with focus on reducing the cost of funds. While the bigger HFCs have always had options of more diversified funding profiles, including deposits and NCDs etc., the new HFCs like Aptus had to depend on banks and NHB for its funding needs. As on 31 March 2019, 46% of borrowings were from leading private sector banks, 32% of borrowings were from Mutual Funds, 9.% of borrowings were from NHB and 13% of borrowings were from IFC (World Bank Group). Sanctions during the year 2018-19 were Rs 1,216 crore as compared with the sanctions of Rs 835 crore during the previous year. Loan disbursements during the year were Rs 1,100 crore as compared with the disbursements of Rs 750 crore during the previous year representing a growth of 47%. Aptus continued its focus on Low and Middle Income families in Tier II and III cities and the disbursement of Rs 1,100 crore benefited more than 15,000 families. During the FY2020,the Company has allotted 1,52,08,121 fully paid-up equity shares of Rs 10 each at a premium of Rs 516.03 per share and 15,00,000 partly paid-up equity shares of Rs 10 each (Paid-up to the extent of Re 1 per share) on preferential basis. The total Assets under Management(AUM) of Aptus stood at Rs 3183 crore as at 31 March 2020 as against Rs 2244 crore as at 31 March 2019, thereby registering a growth of 42%. During the year 2019-20, the Company sanctioned loans worth Rs 1492 crore as compared with the sanctions of Rs 1216 crore during the previous year. The Company disbursed loans worth Rs 1280 crore during the year as compared with the disbursements of Rs 1100 crore during the previous year, representing a growth of 17%. The Financial year 2019-20 was not a good year for raising funds for Housing Finance Industry post ILFS issue and fall of one of the big HFCs. With the liquidity squeeze in the market and reluctance of most of the banks to fund to NBFCs, including HFCs, most of the HFCs raised significant funding through sell-down of their loan assets under either the securitization or direct assignment route. Some of the larger HFCs have also resorted to ECB issuances. As on 31 March 2020, 64% of term loans were from banks and NHB and 36% were from debt capital market, majority from DFIs like IFC and mutual funds. During the year 2019-20, the Company expanded its distribution network in every state where it operates. The distribution network stood at 175 branches as at the end of 31 March 2020 as compared to 143 branches in the previous year. The total Assets Under Management(AUM) of Aptus stood at Rs 4068 crore as at 31 March 2021 as against Rs 3179 crore as at 31 March 2020, thereby registering a growth of 28%. During the year 2020-21, the Company sanctioned loans worth Rs 1404 crore as compared with the sanctions of Rs 1492 crore during the previous year. The Company disbursed loans worth Rs 1298 crore during the year which was about the same as compared to the disbursements made during the previous year in spite of Covid-19 outbreak. The growth during the year was subdued due to the impact of Covid-19 pandemic. During the year 2020 - 21, resources were mobilized in the form of Loans to the extent of Rs 952 crore which was raised from various banks and NHB. All these loans were long term loans with tenor of 6 to 7 years. During the year, the funding from NHB was increased by Rs 332 crore making the borrowings from NHB 23% of total borrowings as on 31 March 2021 as compared with 13% as on 31 March 2020. As on 31 March 2020, 54% of borrowings were from banks and 23% were from NHB and the balance 23% were from debt capital market, majority from DFIs like IFC and mutual funds. The Board of Directors of the company in its meeting held on 05 May 2021and shareholders in the EGM held on 06 May 2021approved the sub-division of shares from Rs 10 to Rs 2 per share and subsequently the face value has been splited from Rs 10 to Rs 2. During the second quarter of FY2022,in August 2021,the company came out with an IPO comprises the fresh issue of Rs 500 crore which would be utilized towards fully augmenting the tier I capital requirements of the company. The offer for sale is comprised of 64,590,695 equity shares amounting to Rs 2,280 crore. The company allotted 78755001 shares of Rs 2 each at a price band of Rs 346-353 per share and these shares were listed on the BSE Ltd and National Stock Exchange of India Ltd on 24 August 2021.

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Registered Address

No 8B Doshi Towers 8th Flr 205, Poonamalle High Road Kilpauk, Chennai, Tamil Nadu, 600010

Tel : 91-44-4565-0000
Email : cs:aptusindia.com
Website : http://www.aptusindia.com

Registrar

KFin Techologies Ltd

AGM Date (Month) : Aug
Face Value Equity Shares : 2
Market Lot Equity Shares : 1
BSE Code : 543335
NSE Code : APTUS
Book Closure Date (Month) :
BSE Group : A
ISIN : INE852O01025

ICICIdirect Aptus Value Housing Finance India Ltd FAQ

You can buy Aptus Value Housing Finance India Ltd shares through a brokerage firm. ICICIdirect is a registered broker through which you can place orders to buy Aptus Value Housing Finance India Ltd Share.
Company share prices and volatile and keep changing according to the market conditions. As of Aug 11, 2022 04:01 PM the closing price of Aptus Value Housing Finance India Ltd was ₹ 281.00.
Market capitalization or market cap is determined by multiplying the current market price of a company’s shares with the total number of shares outstanding. As of Aug 11, 2022 04:01 PM, the market cap of Aptus Value Housing Finance India Ltd stood at ₹ 13,963.40.
The latest PE ratio of Aptus Value Housing Finance India Ltd as of Aug 11, 2022 04:01 PM is 33.9
The latest PB ratio of Aptus Value Housing Finance India Ltd as of Aug 11, 2022 04:01 PM is 0.21
The 52-week high of Aptus Value Housing Finance India Ltd is ₹ 394.95 while the 52-week low is ₹ 221.20 .

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