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Company quality is determined using minimum hurdle rate for return on capital employed and free cash flows for last 10 years.It undertakes all types of lending activities such as sourcing, underwriting, valuation, and legal assessment of collateral, the credit assessment, and collection.
The company offers home loans to retail customers to purchase homes, construct residential property, house improvement and extension, loans against property, and business loans. The company is a retail-focused housing finance company that primarily serves low and middle-income self-employed customers in the rural and semi-urban markets of India. It has also implemented digitized collection models, which has led to an increase in its collection efficiencies. These systems and processes are also technology enabled with a view to ultimately digitize the entire life cycle of a loan from origination to closure. It has leveraged technology in various facets of its operations and has robust systems and processes to assist it with its underwriting and collections functions and to monitor asset quality. This has helped it to reduce subjectivity in forecasting the future income of potential customers, thus enabling robust credit underwriting. It updates these profiles on a frequent basis for regional and local market specific developments and macro disruptions such as the COVID-19 pandemic. Some of its profiles are customized to regions and specific types of employment. Over years, it has studied and developed credit assessment models specific to over 60 types of customer profiles. It conducts all aspects of its lending operations in-house including sourcing, underwriting, valuation and legal assessment of collateral and collections, which enables it to maintain direct contact with its customers, reduce turn-around-times and the risk of fraud.
The company has implemented a robust risk management architecture which is reflected in its asset quality. The company has diversified its geographical presence by adopting a strategy of contiguous expansion across regions and focused on achieving deeper penetration in its existing markets. The company offers customers home loans for the purchase and self-construction of residential property, home improvement and extension loans loans against property and business loans. The company is an entirely retail focussed housing finance company primarily serving low- and middle-income self-employed customer in the rural and semi-urban markets of India.
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It has and expects to continue to benefit from strong capital sponsors hip and professional expertise of its marquee shareholders. Its marquee shareholders include WestBridge Crossover Fund, LLC, Malabar India Fund Limited (an affiliate of Malabar Investments), SCI Investments VI (an affiliate of Sequoia Capital), Madison India Opportunities IV (Madison India Capital) and Steadview Capital Mauritius Limited (an affiliate of Steadview Capital Management). The company is registered with the National Housing Bank (NHB) to carry out the business of a housing finance institution without accepting public deposits. Anandan, and it commenced its operations pursuant to a certificate for commencement of business, dated June 25, 2010, issued by the Registrar of Companies, Tamil Nadu at Chennai (then known as Registrar of Companies, Tamil Nadu, Chennai, Andaman and Nicobar Islands). This allows sales teams to deliver their quotes and contracts faster to their clients and lets them close more deals in a shorter span of time.Aptus Value Housing Finance was founded by one of its Promoter, Chairman and Managing Director, M. That is why Apttus Contract Management aids legal teams in generating contracts and ensuring that they are up-to-date. Slow contract creation and approval can lead to loses in sales. This lets users effectively manage renewals, compliance needs, and risk mitigation in case the need for it arises. It does so by facilitating the importation of old contracts to the new system.
This is enabled by the solution’s intelligent cycle time prediction founded on the organization’s approval workflow.Īpttus Contract Management helps organizations in reaching their ROI goal at a faster rate. Max assists them in avoiding bottlenecks in the workflow and aids in the reducing the time to reaching the signature signing stage of the contract.
With Apttus Contract Management, teams can streamline their processes and be more efficient.
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This enables users to update and create irresistible contracts. Max is also accessible as users can talk to the AI on various channels including Skype, Slack, and SMS. With Max, users can input information into the system as if they were speaking with another person. Overview of Apttus Contract Management Benefitsīecause it is powered by an AI assistant, Apttus Contract Management is able to provide its users with a conversational experience.
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