Aptus Value Housing Finance India Ltd

- 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.

- 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.

- 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.

- 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.

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.