Aptus Value Housing : Is valuation justified or just another HFC?

Growth Strategies

1. Increasing penetration and contiguous expansion: The company aims to expand its reach in existing markets while simultaneously entering new markets like Odisha and Maharashtra.
2. Focus on productivity, credit cost, and operating expenses: The company is committed to improving operational efficiency and reducing credit costs, with a specific emphasis on enhancing credit ratings and lowering the cost of funds.
3. Target ticket sizes in the range of INR 0.5 to 1.5 million for home loans (HL) and small and medium-sized enterprises (SME). This approach provides a broader customer base, with ample room for growth in new-to-credit customers within the retail segment.
4. Utilizing various customer profiles and templates to increase business while effectively managing risks. This strategy allows for diversification and flexibility in reaching a wider range of customers.