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Aptus Value Housing Finance IPO

Aptus Value Housing Finance India Ltd.

₹14,532 /42 sharesMinimum Investment

Aptus Value Housing Finance IPO Details

Bidding DatesMin. InvestmentLot SizePrice Range
10 Aug ‘21 - 12 Aug ‘21₹14,53242₹346 - ₹353
Issue SizeIPO Doc
2780.00Cr
RHP PDF

Subscription Status As on 12 Aug '21, 5:00 PM

  • Retail Individual Investor
    1.35x
  • Non-Institutional Investor
    33.91x
  • Qualified Institutional Buyers
    32.41x

About Aptus Value Housing Finance

Aptus Value Housing Finance India Ltd. is an entirely retail-focused housing finance company primarily serving low and m
Founded
2009
Managing Director
M Anandan

Strengths & Risks

  • Presence in large, underpenetrated markets with strong growth potential
  • A robust risk management architecture from origination to collections leading to superior asset quality
  • In-house operations leading to desired business outcomes
  • Domain expertise resulting in a business model difficult to replicate by others in its geographies
  • Experienced and stable management team with marquee shareholders and strong corporate governance
  • Established track record of financial performance with industry-leading profitability
  • Focus on the social impact of its business
  • Any disruption in the sources of capital since the company requires substantial capital for its business.
  • Inability to meet its obligations, including financial and other covenants under its debt financing arrangements.
  • Non-payment or default by borrowers.
  • Impact of the volatility in interest rates for both its lending and treasury operations.
  • Any downgrade in its credit ratings resulting in an increase in its borrowing costs and affecting its ability to obtain financing.
  • Asset-liability mismatches affecting its liquidity.
  • Geographical concentration in two states – Tamil Nadu and Andhra Pradesh.
  • Inability to recover the full value of collateral, or amounts outstanding under defaulted loans in a timely manner.
  • A highly competitive industry – the Indian Housing Finance industry.
  • Dependency on its information technology systems.
  • Any failure or significant weakness of its internal processes or systems resulting in operational errors or incidents of fraud.
  • Lack of success in expanding the business into new regions and markets in India or the sub-optimal performance of its new branches.
  • Inability to maintain its capital adequacy ratio.
  • The continuing impact of covid-19.
  • Any changes in laws and regulations applicable to Housing Finance Companies.
  • Any disruption in the sources of capital since the company requires substantial capital for its business.
  • Inability to meet its obligations, including financial and other covenants under its debt financing arrangements.
  • Non-payment or default by borrowers.
  • Impact of the volatility in interest rates for both its lending and treasury operations.
  • Any downgrade in its credit ratings resulting in an increase in its borrowing costs and affecting its ability to obtain financing.
  • Asset-liability mismatches affecting its liquidity.
  • Geographical concentration in two states – Tamil Nadu and Andhra Pradesh.
  • Inability to recover the full value of collateral, or amounts outstanding under defaulted loans in a timely manner.
  • A highly competitive industry – the Indian Housing Finance industry.
  • Dependency on its information technology systems.
  • Any failure or significant weakness of its internal processes or systems resulting in operational errors or incidents of fraud.
  • Lack of success in expanding the business into new regions and markets in India or the sub-optimal performance of its new branches.
  • Inability to maintain its capital adequacy ratio.
  • Any changes in laws and regulations applicable to Housing Finance Companies.
  • Inability to detect money-laundering and other illegal activities fully and on a timely basis.
  • Inability to detect money-laundering and other illegal activities fully and on a timely basis.

Financials

*All values are in Rs. Cr
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