Aptus Value Housing Finance India Limited · NSE:APTUS
Aptus Value Housing Finance India — Investor Presentation (July 2026)
46 slides from Aptus Value Housing Finance India's investor presentation, July 2026
Slide 1: Aptus Value Housing Finance India Limited Investor Presentation Q1 FY27
1 Aptus Value Housing Finance India Limited Investor Presentation | Q1 FY27
Slide 2: Safe Harbor
Safe Harbor This presentation and the accompanying slides (the “Presentation”) which have been prepared by Aptus Value Housing Finance India Limited (the “Company”) have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscri
Slide 3: Snapshot: Q1 FY27
Snapshot: Q1 FY27 YoY QoQ Business Distribution Asset Quality Capital Profitability ₹ 13,648 Cr 1.93 L 1.70% ₹ 5,198 Cr ₹ 351 Cr AUM Customers GNPA Net-Worth PPoP 21% 4% 17 % 3% 21 bps 18 bps 18% 3% 18% 2% ₹ 1,053 Cr 4,094 1.29% 70.0% ₹ 261 Cr Disbursement Employees NNPA CRAR* PAT 36% -15% 19 % 8% 1
Slide 4: About Us
About Us Organizational Overview Technology, Risk, Underwriting & Collections Business Highlights Financials, Treasury & Capital Management Sustainability
Slide 5: Introduction
Introduction Providing home and small business loans to primarily self-employed customers in semi-urban areas for past 16 years Focused on Self-employed borrowers Focused on home loan for the first time buyers. in Tier-II/III/IV locations Regulated by RBI and NHB. Run by professional management back
Slide 6: Our Journey
Our Journey CAGR 26% Rating Upgrade from CARE and ICRA to AA 13,648 FY 21 – FY 26 Crossed 13,107 ₹10,000 Cr AUM 10,865 Listed on Stock Exchanges & Rating Upgraded to 8,722 Incorporated Profitable 100th Expanded to ICRA AA- Stable Crossed 4 States Branch 20% RoE 6,738 AUM (₹Cr) 5,180 4,086 3,179 2,24
Slide 7: Key Strengths
Key Strengths Building the Next Phase of Growth Strong Governance and Outside South India Professional Management Unique Customer Value Proposition Fully In-house, Cost-efficient Model Good Asset Quality and Credit Advanced Technology Capabilities Discipline Sustainable Returns through a Diversified
Slide 8: Key Growth Strategies
Key Growth Strategies Continued Deepen Strengthen Continued Focus on HL & presence in Sourcing & focus on Strengthen existing states Product productivity & focus on SBL and expand into Portfolio Credit Cost newer markets • Large headroom in retail • Pursue the strategy of • Increase ATS across • Cre
Slide 9: Historical Performance
Historical Performance ₹Cr Particulars FY 21 FY 22 FY 23 FY 24 FY 25 FY26 Q1 FY27 CAGR No. of Branches (#) 190 208 231 262 300 339 372 No. of Customers (#) 58,069 83,565 1,07,146 1,33,499 1,61,597 1,87,889 1,92,950 Disbursements 1,298 1,641 2,395 3,127 3,604 4,009 1,053 AUM 4,068 5,180 6,738 8,722 1
Slide 10: Organizational Overview
About Us Organizational Overview Technology, Risk, Underwriting & Collections Business Highlights Financials, Treasury & Capital Management Sustainability
Slide 11: Granular Book With Niche Customer Focus
Granular Book With Niche Customer Focus Home loan Quasi Home Loan Small Business Loan Self-employed Self-occupied residential property Self-employed Target Low/Middle Income Families Home construction/purchase Primarily used for business purpose Segment Tier-2/3/4 cities Tier-2/3/4 cities Tier-2/3/4
Slide 12: Contiguous Branch Expansion
Distribution Contiguous Branch Expansion Strategy Contiguous Branch Expansion ✓ We follow a contiguous expansion strategy to grow our presence. ✓ Before entering a geography, the following key factors are considered, ✓ Regional demographics, urbanization levels, and competitive intensity. ✓ Loan del
Slide 13: Fully In-house Model Leading to Desired Business Outcomes
Fully In-house Model Business 2,362 Origination 01 02 …Leading to Desired Business Outcomes Pricing Reduced Power TAT 382 Credit 325 Legal & technical 03 04 Fully In-House Team.. 787 Collection Low Reduced Takeover Operational Risk 238 HO / Operations 13
Slide 14: Technology, Risk, Underwriting & Collections
About Us Organizational Overview Technology, Risk, Underwriting & Collections Business Highlights Financials, Treasury & Capital Management Sustainability
Slide 15: Technology Landscape
Technology Landscape Customer Relationship Digital Marketing & Service Lead generation through Automated CRM and customer Campaigns. Brand, Product and service requests service awareness. Lead Enrichment Business Intelligence & Analytics Customer Onboarding A mobile-first fully integrated digital “P
Slide 16: Mobile-First Fully Digital LOS
Mobile-First Fully Digital LOS Omni – Channel Lead Sourcing Credit Legal Account Aggregator Digital Agreements Customer App CIC (Credit Information 5.8% Existing Customer Referrals Companies) through customer service APP Bandhu App Referral `App to generate leads Unifying construction 12.6% ECO Syst
Slide 17: Fully Digital LOS
Technology Update Key Features Complete Auto lead Digital Integrated lead lifecycle allocation application & APIs for KYC, visibility UPI, E-NACH Fully Digital LOS system docs. upload Real-time Lower Improved Faster TAT & analytics cheque collections & process dashboards bounce rates compliance disc
Slide 18: Risk & Data Science Backed Centralized Underwriting
Risk & Data Science Backed Centralized Underwriting Risk Management Tech - Intervention Centralized Processing Loans approved within 72 hrs • Technology-enabled • Consistency in > 90 % • Comprehensive underwriting supported underwriting with customer profiling by an integrated credit expertise in st
Slide 19: Robust Underwriting and Collections
Robust Underwriting and Collections 100% In-House Sourcing Leveraging Technology Lead Generation through Digital Onboarding and KYC • A mobile-first fully integrated digital LOS for customer • Cust app, Bandhu app on-boarding. • Social media • Integration of Real-time APIs, OCR, and Account • 372 Br
Slide 20: Business Highlights
About Us Organizational Overview Technology, Risk, Underwriting & Collections Business Highlights Financials, Treasury & Capital Management Sustainability
Slide 21: Diverse Products for Niche Segment
Diverse Products for Niche Segment Secured Portfolio – Home Loans (HL) / Small Business Loans (SBL) 3% 4% Home Loans 25% Quasi Home Loans Small Business Loans & HFC NBFC Non-HLs Insurance Loans 67% Top up Loans 100% AUM : ₹9,736 Cr AUM : ₹3,912 Cr LIG Largely Self Employed Rural 73% 80% Customers 85
Slide 22: Performance Highlights: Q1 FY27
Performance Highlights : Q1 FY27 YoY QoQ AUM (₹Cr) Disbursements (₹Cr) Gross NPA (%) 1.70% 13,648 1,053 1.49% 11,267 775 Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 21% 36% 21 bps PAT (₹Cr) ROA (%) ROE (%) 261 20.1% 20.4% 7.9% 7.8% 219 Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 19% -13 bps
Slide 23: Yield, CoB & Spread
Yield, CoB & Spread Yield Cost of Borrowings 17.0% 16.9% 17.0% 17.3% 17.4% 17.2% 17.4% 17.3% 17.2% 17.1% 17.1% 8.4% 7.7% 8.1% 8.6% 8.7% 8.3% 8.6% 8.4% 8.3% 8.1% 8.0% FY 21 FY 22 FY 23 FY 24 FY 25 FY 26 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Spread (%) 8.6% 9.2% 8.9% 8.7% 8.7% 8.9% 8.7% 8.9% 8.9% 9.
Slide 24: Efficient Operating Cost Model
Efficient Operating Cost Model Opex to Average AUM (%) 2.8% 2.5% 2.8% 2.7% 2.6% 2.7% 2.7% 2.7% 2.8% 2.8% 2.7% FY 21 FY 22 FY 23 FY 24 FY 25 FY 26 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Cost to Total Income (%) 15.3% 14.6% 14.6% 14.2% 14.4% 15.0% 15.0% 14.8% 13.9% 13.9% 13.8% FY 21 FY 22 FY 23 FY 24
Slide 25: Asset Quality
Asset Quality Gross NPA (%) Net NPA (%) 1.70% 1.55% 1.56% 1.52% 1.49% 1.29% 1.17% 1.18% 1.15% 1.12% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Collection efficiency (%) 30 + DPD (%) 6.87% 99.36% 100.50% 6.45% 6.34% 6.48% 99.12% 99.10% 98.52% 6.21% Q1 FY26 Q2 FY26
Slide 26: Provision for Expected Credit Loss (ECL)
Provision for Expected Credit Loss (ECL) ₹Cr Consolidated Particulars As on As on As on 30-June-26 31-Mar-26 30-June-25 Gross Stage 3 215.3 189.1 164.8 % portfolio in Stage 3 1.7% 1.5% 1.5% ECL Provision Stage 3 53.8 47.3 41.2 Net Stage 3 161.5 141.9 123.6 Provision coverage ratio (PCR) 25.00% 25.00
Slide 27: Financials, Treasury & Capital Management
About Us Organizational Overview Technology, Risk, Underwriting & Collections Business Highlights Financials, Treasury & Capital Management Sustainability
Slide 28: Consolidated Statement of Profit and Loss
Consolidated Statement of Profit and Loss ₹Cr Q1 FY27 FY26 Particulars Q1 FY27 Q1 FY26 Q4 FY26 Vs Q1 FY26 1,995 Interest Income 548 475 529 Net Gain on derecognition of 122 30 26 29 financial instruments 129 Fee and Other Income 32 29 36 (648) Interest Expenses (170) (160) (160) 1,598 Net Income Mar
Slide 29: Consolidated Balance Sheet
Consolidated Balance sheet ₹Cr As on As on Particulars 30-June-26 30-June-25 Liabilities & Equity Share capital 100 100 Reserves &surplus 5,098 4,315 Net worth 5,198 4,415 Borrowings 8,236 7,101 Other Liabilities & Provisions 127 77 Total Liabilities & Equity 13,561 11,592 Assets Loan Assets 12,586
Slide 30: RoA Tree (based on Avg AUM)
RoA Tree (based on Avg AUM) Particulars Q1 FY27 Q1 FY26 Revenue from Operations 17.1% 17.3% Net Gain on derecognition of financial 0.9% 1.1% instruments Other Income 0.3% 0.4% Total Revenue 18.3% 18.8% Interest Expenses (5.1%) (5.4%) Net Income Margin 13.2% 13.4% Operating Expenses (2.7%) (2.7%) Cre
Slide 31: Robust Funding Management and Credit Profile
Robust Funding Management and Credit Profile Diversified and Balanced Funding Mix 25+ Lender Relationships Sources of funds mix(%) No Exposure to Short term loan incl CPs NHB 8.2% Mutual Refinance Funds NCDs 14.3% Term Loans Insurance Securitization / 59.9% Direct Assignment 17.6% Private PTC : 9.6%
Slide 32: Asset and Liability Maturity Pattern
Asset and Liability Maturity Pattern (₹Cr) Surplus 1,209 <3 Months 1,758 549 3-6 Months 940 292 1,232 6m -1 Year 1,630 304 1,934 1-3 Years 5,076 5,714 638 3-5 Years 2,511 5,148 2,637 5-7 Years 1,177 4,038 2,861 7-10 Years 680 2,758 2,078 >10years 101 629 528 Outflows Inflows Position as on 30th June
Slide 33: Comfortable Liquidity Position / Capital Adequacy
Comfortable Liquidity Position/ Capital Adequacy A. Liquidity (₹Cr) As on Particulars 30-June-26 Cash & Cash equivalents 676.4 Unavailed Sanctions from Banks 1257.0 Total 1933.4 Particulars Q2 FY27 Q3 FY27 Opening Liquidity 1,933.4 2,077.9 ₹2,119.5 Cr Add: Loan repayment & Surplus from Operations 1,
Slide 34: Fixed Vs Floating (Assets Vs. Liabilities)
Fixed Vs Floating (Assets Vs. Liabilities) Loan Assets & Borrowings (₹Cr) 30th June 2026 12,691 12,691 Floating Rate Lending 18% Floating Rate Borrowings 43% Fixed Rate Borrowings Fixed Rate Lending 22% 82% Equity 35% Loan Assets Borrowing/Equity Equity Fixed Floating Introduce Hybrid Rate Loan Prod
Slide 35: Diverse Investor Base
Diverse Investor Base Founder Promoter Holding (%) FIIs & FPIs Holding (%) Shareholding as on 24th July’26 M. Anandan 23.9 Malabar 5.4 Public & Others DIIs DIIs Holding (%) Govt. Pension Fund Norway 3.2 SBI MF 9.4 Vanguard US 3.1 16.1% 30.2% Kotak MF 4.8 Capital Research 2.7 Aditya Birla MF 2.8 Aber
Slide 36: Sustainability
About Us Organizational Overview Technology, Risk, Underwriting & Collections Financials, Treasury & Capital Management Business Highlights Sustainability 36
Slide 37: Sustainability
Sustainability Financial Inclusion Sustainable Practices Customer-Centric Social Impact ✓ Underserved borrowers ✓ Digital processes ✓ Borrower empowerment ✓ Expanding access in Tier 2, 3, 4 towns ✓ Resource conservation initiatives ✓ Transparent lending processes Employee Welfare Strong Corporate Go
Slide 38: Digital Initiatives for a Greener Tomorrow
Digital Initiatives for a Greener Tomorrow % of Digital Collections % of Digital Agreements % of Customers on App % Account Aggregator Penetration 99.5% 94.1% 92.1% 82.5% E-Nach Mandate 100% Q1 FY27 Q1 FY27 Q1 FY27 Q1 FY27 e-KYC & e-Stamping & Customer Bandhu HRMS Platform e-Signature e-NACH App App
Slide 39: Building Social Capital
Building Social Capital Financial Inclusion Corporate Social Employee Welfare Responsibility • Promoting financial • Strengthening access to • Hiring local talent in access in underserved inclusive and quality rural and semi-urban areas education areas • Empowering informal • Building employability
Slide 40: Creating Lasting Impact
Creating Lasting Impact Education Upliftment ➢ Tribal education empowerment ➢ Learning environment ➢ enhancement ➢ Classroom infrastructure expansion ➢ Student mobility solutions ➢ Residential campus development ➢ Interactive learning facilities ➢ Teacher welfare support ➢ Educational ecosystem stre
Slide 41: Enabling Better Health
Enabling Better Health Community Development ➢ Critical care infrastructure ➢ Advanced medical equipment ➢ Neonatal care enhancement ➢ Clinical laboratory modernization ➢ Organ transplant support ➢ Mobile healthcare outreach ➢ Patient care excellence ➢ Sustainable hospital infrastructure
Slide 42: Strong Governance Culture
Strong Governance Culture Committees Corporate Governance Resilient & Compliant Board Level Leadership • Audit • Diverse board with tech, • Nomination and Remuneration • Dedicated CRO for risk finance, risk expertise • Corporate Social Responsibility identification and mitigation • Our board enhance
Slide 43: Annexures
Annexures 43
Slide 44: Strong Corporate Governance, Distinguished Board
Strong Corporate Governance, Distinguished Board Chairman Managing M. Anandan Director Executive Chairman Non-Executive Independent Anand Raghavan Natarajan Mona Kachhwaha Ramasubramanian Former partner – Director –Ujjivan SFB, Directors Ernst & Young Former GM, RBI UC Investment Former VP – Managem
Slide 45: Experienced Professional Management
Experienced Professional Management P. Balaji Several years of experience in financial Services Managing Director including HFC 30+ yrs of experience C.T. Manoharan Sanjay Mittal ED & Chief Business Officer Chief Financial Officer 30+ yrs of experience 20+ yrs of experience Rich experience in housin
Slide 46: Thank You
46 THANK YOU For further information, please contact: Investor Relations – Aptus Value Housing Finance investorrelations@aptusindia.com
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