Aptus Value Housing Finance India Ltd

- Current borrowings are well diversified: 62% from banks, 26% from NHB, 7% from NCDs issued to IFC, MFs and NBFCs, and the balance from securitization. - The company has undrawn sanction limits of Rs. 300 crores from NHB and Rs. 290 crores from banks, indicating available liquidity on the balance sheet. - There is no explicit mention in the call transcript of new fundraising plans through equity. - NHB sanction of around INR 300 crores is expected to help reduce the incremental cost of borrowings, suggesting potential future drawdowns under this sanction. - No concrete plans or timelines stated for raising fresh debt or equity, but liquidity position and sanctioned limits provide scope for fund raising if needed.

The document does not explicitly mention any current or future capex, capital investment, or strategic investment plans by Aptus Value Housing Finance India Limited. However, relevant points related to expansion and investments are: - The company is expanding its branch network, having opened 19 branches recently and planning to add around 30 to 35 branches annually going forward. - New branches are being opened in contiguous states such as Odisha and Maharashtra, with local teams being hired and structured under existing branch controls. - Investment in strengthening middle management across departments such as Sales, Credit, IT, compliance, and finance is ongoing, contributing to operational costs. - There is a focus on strengthening analytics and digital adoption with about 17% of business coming from construction ecosystem apps, referrals, and social media leads. No specific mention of capex budgets or large-scale strategic investments was made in the call.

- Aptus aims to continue the strong disbursement growth momentum achieved in Q2 FY24 into the next two quarters and beyond. - The company targets overall AUM growth of about 30% for the full year FY24. - Disbursement run-rate targets imply approximately 15% sequential growth in coming quarters. - Around INR 3,400 crores in new disbursements is targeted for FY24, with about INR 2,100 crores from the Housing Finance Company (HFC) segment and the remainder from the NBFC segment. - Branch expansion is ongoing, with 19 branches opened in the current period and plans to open 30-35 branches annually, including new branches in Odisha and Maharashtra. - Increased penetration in existing geographies and contiguous expansion into new states to support volume growth. - Focus on sustained profitability and quality loan book while scaling volumes.

- Aptus targets overall AUM growth of about 30% for FY '24. - Disbursement growth is expected to continue strong, with a sequential growth rate around 15%. - Expansion plans include opening 30 to 35 branches annually, with new branches in Odisha and Maharashtra. - Management confident of maintaining disbursement growth and meeting projected loan book growth in H2 FY '24. - NIMs expected to remain stable for next two quarters; potential improvement if borrowing costs reduce via NHB refinance. - Focus on improving collection efficiency and reducing Stage 2 assets to support asset quality. - PAT grew 20% YoY in H1 FY '24, with management aiming to sustain profitability while growing. - Dividend payouts to continue aligned with sustainable payout ratio and profitability; no plans to stop dividends despite leverage goals.

The document does not provide explicit information on current or expected orderbook/pending orders for Aptus Value Housing Finance India Limited. However, relevant points that may indicate future business pipeline or growth expectations include: - Targeted AUM growth for FY '24 is about 30%. - Projected disbursement target for this year is around INR 3,400 crores (INR 2,100 crores in Housing Finance Company and the balance in the NBFC). - Sequential quarter-on-quarter disbursement growth is targeted at approximately 15%. - Focus on expanding branch network with 19 branches opened recently and plans to open 30-35 branches annually, including contiguous expansions in Odisha and Maharashtra. - Strong ongoing demand for both home loans and small business loans in tier 3 and 4 cities. - Robust liquidity with undrawn sanctions of INR 300 crores from NHB and INR 290 crores from banks for funding growth. No direct stated orderbook or pending orders figures available in the transcript.