Aptus Value Housing Finance India Limited · NSE:APTUS
Aptus Value Housing Finance India — Q1 FY27 Earnings Presentation
47 slides from Aptus Value Housing Finance India's earnings presentation, Jul 31, 2026
Slide 1: Exchange filing cover letter
Ref No: APTUS/17-JUL/2026-27 July 31, 2026 To, To, BSE Limited, National Stock Exchange of India Ltd., Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Mumbai- 400001 Bandra (E) Scrip Code: 543335 Mumbai 400 051 Scrip Symbol: APTUS Dear Sir/Madam, Sub: Inv
Slide 2: Aptus Value Housing Finance India Limited Investor Presentation Q1 FY27
Aptus Value Housing Finance India Limited Investor Presentation | Q] FY27
Slide 3: 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 subscr
Slide 4: Snapshot: Q1 FY27
Snapshot: Q1 FY27 [_sunes _ [Patten eset EE emery | ans =) = 13,648 Cr 1.93 L 1.70% = 5,198 Cr 2 351 Cr AUM Customers GNPA Net-Worth PPoP Ge) am Gee @&) as £5) as & (— \ >) >) 2 1,053 Cr 4,094 1.29% 70.0% = 261 Cr Disbursement Employees NNPA CRAR* PAT = Ca G5) | Ga) Ca X TaN JN DN SN wy, \ \ >) >) 1
Slide 5: Organizational Overview
APTUS® Organizational Overview Technology, Risk, Underwriting & Collections Sustainability APTUS*
Slide 6: Introduction
— ©@©00€ Introduction Providing home and small business loans to primarily self-employed customers in semi-urban areas for past 16 years Focused on home loan for the first time buyers. Regulated by RBI and NHB. Run by professional management backed by strong Board, Founder Promoter and marquee inves
Slide 7: Our Journey
Our Journey CAGR 26% FY 21-FY 26 100'h Branch 13,648 Crossed 10,000 Cr AUM 8,722 Profitable Crossed 20% RoE 6,738 WESTBRIDGE|""""™ 5,180 4,086 3,179 2,247 1,414 846 358 519 29 86 159 252 — — 7 |_| Z |_| . , , Z . ; , FY20 FY22 FY21 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY23 FY24 FY25 FY26 Q1
Slide 8: Key Strengths
Key Strengths Building the Next Phase of Growth Outside South India \ Advanced Technology Capabilities x APTUS® 7 NE Diversified Liability Base and Improved Credit Rating
Slide 9: Key Growth Strategies
Key Growth Strategies (— Continued focus on productivity & (— Continued ( Deepen > (— Strengthen Focus on HL & presence in Sourcing & Strengthen existing states Product ° . ° focus on SBL and expand into Portfolio Credit Cost newer markets + Large headroom in retail * Pursue the strategy of * Increa
Slide 10: Historical Performance
Historical Performance =Cr Particulars FY 21 FY 22 FY 23 FY 24 FY 25 FY26 Ql 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,
Slide 11: Technology, Risk, Underwriting & Collections
APTUS® Organizational Overview Technology, Risk, Underwriting & Collections Sustainability APTUS*
Slide 12: Granular Book With Niche Customer Focus
Granular Book With Niche Customer Focus Target i. Segment Average Ticket Size (% Lakh) Average Tenure (Years) Average LTV Key customer Trait Self-employed (- Self-occupied residential property) ( Self-employed ) Low/Middle Income Families Home construction/purchase Primarily used for business purpos
Slide 13: Contiguous Branch Expansion
Contiguous Branch Expansion
Slide 14: Fully In-House Team
13 Fully In-House Team.. o oll!) (0 2,362 382 325 787 238 Fully In-house Model Business Origination Credit Legal & technical Collection HO / Operations 01 02 Pricing Reduced Power TAT ake 23 «€©6(CP o4 Low Reduced Takeover Operational Risk ...Leading to Desired Business Outcomes @ 7X nPTus®
Slide 15: Technology, Risk, Underwriting & Collections
APTUS® Organizational Overview Technology, Risk, Underwriting & Collections Sustainability APTUS*
Slide 16: Technology Landscape
Technology Landscape Customer Relationship Digital Marketing & Service Lead generation through Campaigns. Brand, Product and service awareness. Lead Enrichment Automated CRM and customer Xx service requests @ @ 7X aptus® Q Business Intelligence & Analytics Customer Onboarding A mobile-first fully in
Slide 17: Mobile-First Fully Digital LOS
16 Mobile-First Fully Digital LOS Omni - Channel Lead Sourcing Credit Account Aggregator CIC (Credit Information Companies) Legal Digital Agreements Customer App Existing Customer Referrals through customer service APP Bandhu App Referral “App to generate leads Unifying construction ECO System Digit
Slide 18: Fully Digital LOS Technology Update
17 Technology Update y_V...\7... WV. Complete Auto lead Digital Integrated lead lifecycle allocation application & APIs for KYC, visibility system docs. upload UPI, E-NACH Real-time Improved Faster TAT & collections & process Lower analytics dashboards cheque bounce rates compliance discipline
Slide 19: Risk & Data Science Backed Centralized Underwriting
18 Risk & Data Science Backed Centralized Underwriting ‘R Risk Management * Comprehensive customer profiling based on 60+ predefined customer profile templates. + Stage-wise disbursement through technical visits + Multiple touch points to ensure thorough verification in underwriting process G Tech -
Slide 20: Robust Underwriting and Collections
19 Robust Underwriting and Collections 100% In-House Sourcing Lead Generation through * Cust app, Bandhu app + Social media 372 Branches * Connector Channel Stringent Credit Underwriting Cash flow assessment Pre & Post Disbursement Centralized Underwriting Lower LTVs at ~40% Leveraging Technology Di
Slide 21: Sustainability
APTUS® Organizational Overview Technology, Risk, Underwriting & Collections Sustainability APTUS*
Slide 22: Diverse Products for Niche Segment
Diverse Products for Niche Segment Secured Portfolio- Home Loans (HL) / Small Business Loans (SBL) m Home Loans = Quasi Home Loans . @ Small Business Loans & Non-HLs m Insurance Loans Top up Loans 100% AUM: 29,736 Cr AUM : 23,912 Cr LIG Largely Self Employed Rural 78% Customers 80% ) Customers 85% F
Slide 23: PAT, Disbursements, ROA and Gross NPA
22 Ql FY26 Ql FY27 PAT (2Cr) 261 219 Ql FY26 Ql FY27 Disbursements (%Cr) 1,053 ; | Ql FY26 Ql FY27 ROA (%) 7.9% 7.8% Gross NPA (%) 1.70% 1.49% Ql FY26 Ql FY27 @ 7X NPTUs®
Slide 24: Yield, CoB & Spread
Yield, CoB & Spread Yield =#—= Cost of Borrowings =—# —_— > De en aL >) (nn a >) | I | 17.0% 16.9% 17.0% 17.38% 174% 17.2% | | 17.4% 17.3% 17.2% 17.1% 17.1% =— = —" a —d ! o o- Oo a ] I | | 84% 7.7% 81% 86% 87% 3m | | 8.6% 8.4% 8.3% 8.1% 8.0% | | — = = | - - —i —o | | ! | | 1 | ! \___FY21FY22_—FY23—
Slide 25: Efficient Operating Cost Model
24 Efficient Operating Cost Model Ql FY27 Ql FY27 Opex to Average AUM (%) —_ _ hi i -an.)|6lUR —_—_ i. | ._ ~~ a. 7 — ina | 2.8% ng, © 2.8% = 2.7% 0.6% = 2.7% 2.7% 2.7% 2.8% 2.8% | 1 Il | 1 | I | | | | | | \ | | | | | | 1 | FY21 FY22 0 «-FY23°FY24 = FY25 FY 26 } | QLFY26 = Q2FY26 = Q3FY26 = QA FY26
Slide 26: Asset Quality
25 Asset Quality Ql FY27 98.52% Gross NPA (%) 1.49% —«*195% = 1.56% 1.50% QIFY26 Q2FY26 Q3FY26 Q4FY26 Collection efficiency (%) 99.12% 99.36% 99.10% — 100.50% QIFY26 Q2FY26 Q3FY26 Q4FY26 Ql FY27 Net NPA (%) 1.29% 1.17% 1.18% 1.15% Q2FY26 Q3FY26 Q4FY26 QI FY27 30 + DPD (%) 6.87% 6.34% 6.48% 6.21% : Q
Slide 27: 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 28: Sustainability
APTUS® Organizational Overview Technology, Risk, Underwriting & Collections Sustainability APTUS*
Slide 29: Consolidated Statement of Profit and Loss
Consolidated Statement of Profit and Loss ZCr Q1 FY27 Particulars Q1 FY27 Q1 FY26 Q4FY26 =Vs Q1 FY26 1,995 Interest Income 548 475 529 12a NekCononcerecoortionet ay 129 Fee and Other Income 32 29 36 (648) Interest Expenses (170) (160) = (160) 1,598 Net Income Margin 441 370 434 19% (324) Operating E
Slide 30: Consolidated Balance sheet
29 Consolidated Balance sheet @Cr As on As on Particulars 30-June-26 30-June-25 Share capital 100 100 Reserves &surplus 5,098 4,315 Net worth 5,198 4,415 Borrowings 8,236 7,101 Other Liabilities & Provisions ]27 77 Total Liabilities & Equity 13,561 11,592 ae Loan Assets 12,586 10,824 Fixed Assets 10
Slide 31: ROA Tree (based on Avg AUM)
30 ROA Tree (based on Avg AUM) Particulars Ql FY27 Ql FY26 Revenue from Operations 17.1% 17.3% Net Gain on derecognition of financial instruments 0.9% 1.1% 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%)
Slide 32: 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 Acicr 4 Niopon ints NCDs —— Term Loans Securitization / Direct Assignment [it HDFC BANK t PTC : 9.6% | Sector DA80% | once BS
Slide 33: Asset and Liability Maturity Pattern
<3 Months 3-6 Months 6m -1 Year ]-3 Years 3-5 Years 5-7 Years 7-10 Years >10years 32 Asset and Liability Maturity Pattern 1,209 ] 0 1,232 i 101 j 629 Position as on 30' June 2026 758 0 1,934 251) 2,758 m Outflows mlnflows 4,038 5,148 5,714 (2Cr) Surplus 549 292 304 638 2,637 2,861 2,078 528 @ 7X PT
Slide 34: 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
Slide 35: Fixed Vs Floating (Assets Vs. Liabilities)
Fixed Vs Floating (Assets Vs. Liabilities) Loan Assets & Borrowings (%Cr) 30! June 2026 12,691 12,691 Floating Rate Lending Floating Rate Borrowings Fixed Rate Borrowings Fixed Rate Lending Equity Loan Assets Borrowing/Equity = Equity mFixed = Floating Introduce Hybrid Rate Loan Products alongside e
Slide 36: Diverse Investor Base
Diverse Investor Base 1 Founder Promoter —_ Holding (% i Shareholding as on 24 July'26 H 9 (%) Fils & FPls Holding (7%) 1 | M. Anandan 23.9 H Malabar 5.4 Public & ! aT 4 i Fi Others ~N Dils 1 . olding (%) Govt. Pension Fund Norway 3.2 i | | SBI MF 9.4 I Vanguard US 3.1 | | Kotak MF 48 ! Capital Rese
Slide 37: Organizational Overview
Organizational Overview APTUS*
Slide 38: Sustainability
37 Sustainability Financial Inclusion Sustainable Practices Customer-Cenitric Social Impact v Underserved borrowers v Expanding access in Tier 2, 3, 4 towns v Digital processes v Resource conservation initiatives v Borrower empowerment v Transparent lending processes Ne J Ne J Ne / Employee Welfare
Slide 39: Digital adoption metrics
eee Waki. Lz - > iZ arn Lal _-: iam \ i % of Digital Collections ‘ c % of Digital Agreements | H % of Customers on App | i % Account Aggregator | \ I HI Ny Penetration ! ! H H 99.5% | | %, | I | 94.1% i 92.1% Hl t 82.5% rr if ih | I I i i | I I HT I | I I I l I I I \ | ! f f i | I 1 FY27 | 1 FY27 |
Slide 40: Building Social Capital
Building Social Capital / Financial inclusion * Promoting financial access in underserved areas * Empowering informal sector workers and small businesses * Focused on Tier 2, 3, and 4 locations 80% Self-employed 73% (— Corporate Social »~ Responsibility + Strengthening access to inclusive and qualit
Slide 41: Creating Lasting Impact
40 Creating Lasting Impact voew (v 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 strengtheni
Slide 42: 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 7X NPTUS®
Slide 43: Strong Governance Culture
Ne 42 Strong Governance Culture /— Committees >» Board Level . . . Audit Nomination and Remuneration Corporate Social Responsibility IT Strategy Committee Risk Management Committee Resourcing and Business Stakeholders Relationship Related Party Transactions Management . . . . . . ALCO Grievance Redr
Slide 44: Annexures
Annexures
Slide 45: Board of Directors
Non-Executive Non-Executive Independent Independent Directors Directors Chairman Managing Director Managing Director
Slide 46: Experienced Professional Management
Experienced Professional Management C.T. Manoharan ED & Chief Business Officer 30+ yrs of experience Rich experience in housing finance industry across sales, channel and distribution management V. Krishnaswami Chief Technology Officer 25+ yrs of experience Experience in strategizing and implementin
Slide 47: For further information, please contact
For further information, please contact: Investor Relations - Aptus Value Housing Finance investorrelations@aptusindia.com APTUS®
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