Thanks @Shivam_Jindal for the detailed response. You are right in highlighting why the stock price has been correcting. I agree with you on the same. I am not so much focused on the stock price as long Aptus is not short on liquidity
My question was whether Aptus is likely to face any liquidity crunch as banks and nhb are big sources of capital. While Aptus is well capitalised at the moment I understand nhb refinancing happens every year after an audit exercise by the nhb team. Would that be seen as a risk going forward. It may not be so.
The management does seem seasoned and conservative in underwriting (and control over NPAs), and gearing is low as compared too others.
PS: took a meaningful position in Aptus yesterday.
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