Any current/future new fundraising through debt or equity?

The company has sanctions worth Rs. 740 crores during the quarter, with Rs. 400 crores yet to be drawn. Borrowings include 60% from banks, 28% from NHB, 9% from NCDs, and balance from securitizations. The company is negotiating hard with funding agencies and currently borrowing at 8.2%-8.5%. NHB is expected to sanction more refinance during the third quarter at a lower interest rate. Cost of borrowing is likely to remain around 8.3% for the year. No specific mention of new equity fundraising plans in the provided transcript.

Any current/future capex/capital investment/strategic investment?

Aptus is investing significantly in technology and digital initiatives, focusing on strengthening their customer app and ecosystem to improve lead generation through digital and social media channels. Investments are also being made in expanding the physical branch network, with plans to grow from 231 branches to around 260+ branches by March 2024, including entry into new states like Maharashtra and expansion in Odisha. Employee productivity and operational efficiency remain a key focus, with investments aimed at sustaining low operating expenses (opex to assets around 2.6%). The company emph

Future growth expectations in sales/revenue/volumes?

The company targets around 30% loan book growth for FY '24, indicating robust sales/revenue expansion. Focus on growing disbursements and loan book in both Housing Loans and Small Business Loans, targeting low and middle-income segments in tier 3 & 4 cities. Plans to increase penetration in existing geographies by adding new branches; aiming for 260+ branches by March 2024, including entry into Maharashtra and expansion in Odisha. Emphasis on digital adoption and analytics, with 14% of business in Q1 FY '24 coming from digital channels like construction ecosystem app, customer referral a

Future growth expectations in earnings/operating earnings/profits/EPS?

The company expects around 30% loan book (AUM) growth in FY '24, supported by disbursements growth of 23% year-on-year in Q1 FY '24. Focus areas include growing both Housing Loan and Small Business Loan portfolios, penetrating tier 3 & 4 cities, and expanding into Odisha and Maharashtra. PAT grew 20% year-on-year to Rs. 142 crores in Q1 FY '24; steady profitability expected with a ROA of 8.21% and ROE of 16.93%. Operating expenses (opex) are expected to remain efficient around 2.6% of assets going forward. Credit costs projected around 15-25 basis points going forward, supporting stable earnin

Aptus Value Hou.Q1 FY24Finance

Aptus Value Hou. Q1 FY24 Earnings Call Analysis

Revenue, margin, capex, fundraise and order book outlook from management commentary.

Price: ₹226P/E: 12.4Market Cap: ₹12.3K CrSector: Finance

Management growth scorecard

Revenue

Category 2

Margin

Category 3

Fundraise

N/A

Order

Yes

Capex

Yes

2 of 4 growth signals are positive.

Full analysis

Revenue guidance

Category 2

The company targets around 30% loan book growth for FY '24, indicating robust sales/revenue expansion.
Focus on growing disbursements and loan book in both Housing Loans and Small Business Loans, targeting low and middle-income segments in tier 3 & 4 cities.
Plans to increase penetration in existing geographies by adding new branches; aiming for 260+ branches by March 2024, including entry into Maharashtra and expansion in Odisha.
Emphasis on digital adoption and analytics, with 14% of business in Q1 FY '24 coming from digital channels like construction ecosystem app, customer referral app, and social media leads, expected to grow further.
Management aims to expand loan book from Rs. 7,000 crores to Rs. 15,000 crores, eventually to Rs. 25,000 crores, focusing on strategic growth and operational efficiency.
Cost efficiency and strong collection efforts to support sustainable growth.

Margin guidance

Category 3

The company expects around 30% loan book (AUM) growth in FY '24, supported by disbursements growth of 23% year-on-year in Q1 FY '24.
Focus areas include growing both Housing Loan and Small Business Loan portfolios, penetrating tier 3 & 4 cities, and expanding into Odisha and Maharashtra.
PAT grew 20% year-on-year to Rs. 142 crores in Q1 FY '24; steady profitability expected with a ROA of 8.21% and ROE of 16.93%.
Operating expenses (opex) are expected to remain efficient around 2.6% of assets going forward.
Credit costs projected around 15-25 basis points going forward, supporting stable earnings.
Management aims to scale loan book from Rs. 7,000 crores to Rs. 15,000-25,000 crores over the medium term, with a focus on sustainable growth and profitability.
Dividend payout will be balanced to retain substantial profits to support growth rather than aiming at 100% payout.

See what Aptus Value Hou. management said on margin guidance — free account, 30 seconds.

Fundraise plans

The company has sanctions worth Rs. 740 crores during the quarter, with Rs. 400 crores yet to be drawn.
Borrowings include 60% from banks, 28% from NHB, 9% from NCDs, and balance from securitizations.
The company is negotiating hard with funding agencies and currently borrowing at 8.2%-8.5%.
NHB is expected to sanction more refinance during the third quarter at a lower interest rate.
Cost of borrowing is likely to remain around 8.3% for the year.
No specific mention of new equity fundraising plans in the provided transcript.

Order book

Yes

The transcript of the earnings call for Aptus Value Housing Finance India Limited does not explicitly mention the current or expected order book or pending orders. The discussion primarily focuses on: - Loan book growth: AUM grew by 29% YoY to Rs. 7,123 crores as of Q1 FY24. - Disbursements: Increased by 23% YoY to Rs. 646 crores. - Branch additions: Targeting around 260+ branches by March 2024. - Loan mix: Housing loans at ~59% (consolidated), with Small Business Loans growing significantly. - No mention of an order book or pending orders as this is a finance company focused on housing and small business loans. Therefore, no information regarding order book or pending orders is provided in the document.

See what Aptus Value Hou. management said on order book — free account, 30 seconds.

Capex plans

Yes

Aptus is investing significantly in technology and digital initiatives, focusing on strengthening their customer app and ecosystem to improve lead generation through digital and social media channels.
Investments are also being made in expanding the physical branch network, with plans to grow from 231 branches to around 260+ branches by March 2024, including entry into new states like Maharashtra and expansion in Odisha.
Employee productivity and operational efficiency remain a key focus, with investments aimed at sustaining low operating expenses (opex to assets around 2.6%).
The company emphasizes strategic capital allocation towards business growth, retaining substantial profits to support expansion rather than excessive dividend payout.
There is no explicit mention of capex in large assets like infrastructure but continual investment in distribution, digital infrastructure, and human resources is clear.

Track Aptus Value Hou. — get its next earnings analysis in your feed

How does Aptus Value Hou. rank vs peers in Finance?

Pro feature

ThisAptus Value Hou.

Rev 2Mar 3

See where Aptus Value Hou. sits in FinanceSee which companies these are, and every other name in the sector.Open rankings

How does Aptus Value Hou. rank in Finance?

Compare Aptus Value Hou. against every Finance company (Q1 FY24) on revenue, margins and earnings-call signals.

View Finance leaderboard →

What Aptus Value Hou.'s management said in earlier quarters

Others in Finance this season

Indian Renewable Energy Development Agency Ltd (Q4 FY26)
Revenue from operations for Q4 FY26: Rs 3091 crore . Key concall takeaways from Indian Renewable Energy Development Agency Ltd's Q4 FY26 earnings call — and…
SG Finserve Ltd (Q1 FY25)
Interest Income for Q1 FY25: INR 42.83 crore, up 26% YoY from INR 34.07 crore in Q1 FY24. Key concall takeaways from SG Finserve Ltd's Q1 FY25 earnings call…
Indian Renewable Energy Development Agency Ltd (Q3 FY26)
Revenue from operations for Q3 ended 31-Dec-2025: Rs 2,130 crores . Key concall takeaways from Indian Renewable Energy Development Agency Ltd's Q3 FY26…
Indian Renewable Energy Development Agency Ltd (Q2 FY25)
Revenue from operations for Q2 FY24-25: Rs 1,629.55 crores . Key concall takeaways from Indian Renewable Energy Development Agency Ltd's Q2 FY25 earnings call…

Compare:vs Bajaj Finance Ltd vs Bajaj Finserv vs Shriram Finance Ltd

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →