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Aptus Value Housing Finance India LimitedInvestor Presentation | Q2/H1 FY27 1
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This presentation and the accompanying slides (the “Presentation”) which have been prepared byAptus Value Housing FinanceIndia Limited(the “Company”) have been prepared solely for information purposes and do not constitute any offer,recommendation or invitation to purchase or subscribe for any securities and shall not form the basis or be relied on in connectionwith any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by meansof a statutory offering document containing detailed information about the company.This Presentation has been prepared by the Company based on information and data which the Company considers reliable,but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, thetruth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be allinclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, orany omission from, the Presentation is expressly excluded.This presentation contains certain forward-looking statements concerning the Company’s future business prospects and businessprofitability, which are subject to a number of risks and uncertainties and the actual results could materially differ from those insuch forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks anduncertainties regarding fluctuations in earnings, our ability to manage growth, competition (both domestic and international),economic growth in India and abroad, ability to attract and retain highly skilled professionals, time and cost over runs oncontracts, our ability to manage our international operations, government policies and action regulations, interest and otherfiscal costs generally prevailing in the economy. The Company does not undertake to make any announcement in case any ofthese forward-looking statement become materially incorrect in future or update any forward-looking statements made fromtime to time by or on behalf of the Company.2 Safe Harbor
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BusinessDisbursementCustomersDistributionAsset QualityGNPANet-WorthCapitalPPoPProfitabilityEmployeesNNPACRARPATBranchesPCRCoBRoAStates & UTsECLCredit RatingRoEAUMYieldSpread YoY+27%+16%+13 bps+17%+17%+20%+14%+10 bps-+19%-30 bps+76--40 bps-13 bps+10 bps-- +10 bps ₹ 2,206 Cr 1.99 L 1.68%₹ 5,467 Cr ₹ 715 Cr₹ 14,177 Cr 4,220 1.27%69.2% ₹ 528 Cr17.0% 397 25.00%8.1% 7.7%8.9% 7 1.03%AA (ICRA) Stable /AA (CARE) Stable20.1%3 Snapshot: H1 FY27(Consolidated)
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BusinessAUMDisbursementYield+20%+35%-10 bps₹ 10,086 Cr₹ 1,526 Cr15.9% Snapshot: H1 FY27(Aptus Value Housing Finance: Standalone-HFC)YoYAsset QualityGNPANNPACredit Cost-5 bps-4 bps-8 bps1.48%1.12%25 bpsCapital & FundingNet-WorthCoBSpread+13%-105 bps+95 bps₹ 4,547 Cr7.9%8.0%ProfitabilityPPoP*PAT*RoA+10%+10%-62 bps₹ 509 Cr₹ 393 Cr8.1%4* PPoP and PAT of H1FY26 includes ₹25 Cr of dividend income received from the NBFC subsidiary
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BusinessAUMDisbursementYield+22%+12%-15 bps₹ 4,091 Cr₹ 680 Cr19.6% Snapshot: H1 FY27(Aptus Finance: NBFC)YoYAsset QualityGNPANNPACredit Cost+58 bps+43 bps+74 bps2.17%1.63%169 bpsCapital & FundingNet-WorthCoBSpread+38%-49 bps+34 bps₹ 1,078 Cr8.1%11.5%ProfitabilityPPoPPATRoA+21%+18%-42 bps₹ 205 Cr₹ 135 Cr6.8%5
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About UsOrganizational OverviewTechnology, Risk, Underwriting & CollectionsBusiness HighlightsFinancials, Treasury & Capital Management Sustainability
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Operating through a distinct HFC and NBFC structure, catering todiverse customer segmentsProviding home and small business loans to primarily self-employedcustomers in semi-urban areas for past 16 yearsEnhancing momentum in Maharashtra and Odisha, while sustaining leadership in the South to strengthen the growth trajectorySustainable return profile supported by a diversified product mix andvaried customer income profiles 7Regulated by RBI and NHB.Run by professional management backed by strong Board, FounderPromoter and marquee investors. 81%Self-EmployedFocused on Self-employed borrowersin Tier-II/III/IV locations1.99LCustomers75%LIG6&1State & UTs397Branches4,220Employees Introduction
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029861592523585198461,4142,2473,1794,0865,1806,7388,72210,86513,10714,177 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1 FY27Profitable Listed on Stock Exchanges & Rating Upgraded toICRA AA- Stable Crossed ₹10,000 Cr AUMAUM*(₹Cr)Expanded to 4 States100thBranchIncorporatedRating Upgrade from CARE and ICRA to AA 8 CAGR26%FY 21 – FY 26 * Consolidated basis Sustained20%+RoESince Q1 FY26 Our Journey
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Unique Customer Value PropositionAdvanced Technology CapabilitiesDiversified Liability Base and Improved Credit RatingBuilding the Next Phase of Growth Outside South IndiaFully In-house, Cost-efficient ModelGood Asset Quality and Credit DisciplineSustainable Returns through a Mix Of Varied Products and CustomersStrong Governance and Professional Management 9 Key Strengths
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10 Continued Focus on HL & Strengthen focus on SBL•Large headroom in retail segment•Diversified product, Income Streamfrom HL and SBL•Ticket size in ₹8 – 20L range in HL and SME•Different categories of customer profilesdesigned to grow business while effectively managing risk•Pursue the strategy of contiguous growth and deep penetration•Contiguous expansion in new markets – Maharashtra and Odisha•Increase Market Share in existing marketsStrengthen Sourcing & Product Portfolio•Increase ATSacross segments.•Pursue alternate channelsvia connectors, digital marketing,Customer and Bandhu Apps•Explore opportunities to introduce new lending productsDeepen presence in existing states and expand into newer marketsContinued focus on productivity & Credit Cost•Credit focused organization•Focus on productivity in existing branches through better employee retention•Focus on Credit Cost and Opex•Continue to pursue reduced cost of funds, diversified sources of funding and rating upgrades Key Growth Strategies
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11 CAGRH1 FY27H1 FY26FY26FY 25 FY 24FY 23FY 22FY 21Particulars397321339300262231208190No. of Branches (#)1,99,0471,71,7611,87,8891,61,5971,33,4991,07,14683,56558,069No. of Customers (#)2,2061,7384,0093,6043,1272,3951,6411,298Disbursements 26%14,17711,76713,10710,8658,7226,7385,1804,068AUM1,2451,0842,2461,7991,4091,135840655Total Income(342)(325)(648)(541)(388)(276)(209)(207)Interest Expenses 29%9047581,5981,2581,021859632449Net Income Margin(189)(150)(324)(255)(207)(165)(117)(98)Operating Expenses(45)(29)(62)(28)(22)(40)(34)(6)ECL Prov ./Write -Off's 6695801,211975793654480345Profit Before Tax29%528446943751612503370267Profit After TaxRatios (%)13.2%13.4%13.3%13.0%13.4%13.9%13.7%12.4%NIM to Assets2.8%2.7%2.7%2.6%2.7%2.8%2.5%2.7%Opex to Assets15.2%13.8%14.4%14.2%14.6%14.6%13.9%15.3%Cost to Total Income0.7%0.5%0.5%0.3%0.3%0.7%0.8%0.2%Credit Cost to Assets 9.8%10.2%10.1%10.0%10.4%10.5%10.4%9.5%Return on Assets (PBT)7.7%7.9%7.9%7.7%8.0%8.4%8.0%7.4%Return on Assets (PAT)1.68%1.55%1.52%1.19%1.07%1.15%1.19%0.70%GNPA1.27%1.17%1.15%0.89%0.80%0.86%0.88%0.49%NNPA20.1%20.0%20.1%18.8%17.3%16.3%14.5%14.5%ROE ₹Cr Note : GNPA for FY21 as per old RBI norms. Asset Ratio based on Avg. AUM. CAGR is computed for the period FY 21 to FY26. Historical Performance(Consolidated)
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About UsOrganizational OverviewTechnology, Risk, Underwriting & CollectionsBusiness HighlightsFinancials, Treasury & Capital ManagementSustainability
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Average Ticket Size (₹Lakh)Average Ticket Size (₹Lakh)Average Tenure (Years)Average Tenure (Years) Average LTVAverage LTV%%Key customer TraitKey customer TraitTarget SegmentTarget Segment Home loanSelf-employedLow/Middle Income FamiliesTier-2/3/4 cities9.79.5First time home buyers inperipheries of Tier-2/3/4 cities Quasi Home Loan Self-occupied residential property Home construction/purchaseTier-2/3/4 cities9.49.3Proceeds primarily used for home construction/purchase Small Business LoanSelf-employedPrimarily used for business purposeTier-2/3/4 cities9.19.0~45%Loans for New business/Business expansion 13 Granular Book With Niche Customer Focus
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14 AUM (Split)*H1FY27FY26FY 25 State43%43%42%Andhra Pradesh30%31%33%Tamil Nadu18%17%16%Telangana7%8%8%Karnataka2%1%0%Odisha & Maharashtra14,17713,10710,865Total AUM (Rs Cr)9236143862713Contiguous Branch Expansion StrategyWe 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 delinquency trends are analyzed to assess borrower repayment behaviors.Branch additions will largely be focused on the new markets like Maharashtra and Odisha, in addition to the underserved pockets of the states like Telangana and Andhra Pradesh.Avg. AUM /Br. (₹Cr) *Branches (#)Vintage3.279<1 Year19.1801-3 Year52.1238>3 YearContiguous Branch ExpansionWe opened 58 branches during H1 FY27, of which 25 became operational in Q2 FY27Map not to scale* Consolidated basis Distribution
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Fully In-House Team.. 2,382393382811252 BusinessOriginationCreditLegal & technicalCollectionHO / Operations Pricing Power01030204…Leading to Desired Business OutcomesReduced TATLow TakeoverReduced Operational Risk 15 Fully In-house Model
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About UsOrganizational OverviewTechnology, Risk, Underwriting & CollectionsBusiness HighlightsFinancials, Treasury & Capital ManagementSustainability
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17 Customer OnboardingA mobile-first fully integrated digital LOS for customer on-boarding.Lead Management / Sanctions / DisbursementsHuman ResourcesHuman resources managementsystem application - Employee travel/conveyance settlements fully automatedDigital MarketingLead generation through Campaigns. Brand, Product and service awareness.Lead Enrichment Customer Relationship & ServiceAutomated CRM and customerservice requestsCollections AppVoice Bots, Pre-due & Post-due calling, Digital collection through CRM, Payments Automation via Bharat Bill Pay, Google Pay, Paytm etc.Business Intelligence & Analytics“Power BI” Analytics Platform.ML-based bounce predictionLending SoftwareEnd-to-end software solution Our Tech Partners Credit UnderwritingCredit bureau, Account aggregator,ULI framework, Deed verification, Property location, Technology Landscape
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Mobile-First Fully Digital LOS 18 Omni – ChannelLead Sourcing Digital On-boardingE-KYC/C-KYCOCRBank A/c verification CreditAccount AggregatorCIC (Credit Information Companies)TechnicalIdentification, Geo-tagging and Dimensions of PropertyOn-Field Technical valuation report LegalDigital AgreementsDisbursementsE-NachE-SignUPI MandatesCustomer AppExisting Customer Referralsthrough customer service APPBandhu AppReferral `App to generateleads Unifying constructionECO SystemDigital MarketingLead generation via SocialMedia & Digital MarketingConnector ChannelLead generated via the newlylaunched connectors channelOrganic-Sourcing –Digital LOSIn-house Sourcing through our sales executives 78.2%11.7%10.1%
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19 Fully Digital LOS Complete lead lifecycle visibility Key FeaturesAuto lead allocation systemDigital application & docs. uploadIntegrated APIs for CKYC, UPI, E-NACHLower cheque bounce ratesImproved collections & complianceFaster TAT & process disciplineReal-time analytics dashboards Technology Update
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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•Technology-enabled underwriting supported by an integrated credit evaluation platform. •Integration of credit scorecard with lendingapplication for easiercredit evaluation•Analyzing profiles behavior for continuous improvement of parameters through machine learning forbetter & faster creditdecisioningTech - Intervention•Consistency in underwriting with expertise in state- wise analysis along with linguistic skills•Effective training, knowledge sharing and monitoring process•Quick adoption to process changeCentralized ProcessingLoans approved within 72 hrs> 90 % 20 Risk & Data Science Backed Centralized Underwriting
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21 •Cust app, Bandhu app•Social media•397 Branches•Connector ChannelLead Generation throughDigital Onboarding and KYCEnhanced Cash Flow AssessmentDetailed assessment of income stability and repayment capacity, including pre- and post-disbursement100% In-House SourcingLeveraging Technology•A mobile-first fully integrated digital LOS for customer on-boarding.•Integration of Real-time APIs, OCR, and Account aggregator enable an improved response time and efficient processing.•Ensuring minimal data entry at all stages and concurrent processing of credit, technical and legal. Stringent Credit UnderwritingComprehensive Credit EvaluationIn-depth analysis of credit bureau records, banking transactions and existing repayment obligationsIndependent Property Due DiligenceDetailed legal, technical and title verification to ensure property eligibility and adequate collateral coverageCentralised Credit DecisioningStrengthened policy compliance, fraud detection and independent assessment of credit proposalsStrengthening NBFC UnderwritingEnhanced credit assessment and risk controls to reinforce portfolio quality within the NBFC business Robust Underwriting
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22 <18 MONTHSSALES TEAMSales-led responsibility for loans within the first 18 monthsSOFT BUCKET / FIRST BOUNCECRM - COLLECTION~25-member centralized tele-calling team with digital payment follow-upsHARD BUCKET / OVERDUEFIELD COLLECTION TEAMDedicated officers drive on-ground engagement and overdue resolutionNPA ACCOUNTSLEGAL RECOVERYSpecialist team pursuing NPA resolution, including SARFAESI actionSTRENGTHENED COLLECTION HIERARCHYFIELD COLLECTIONSCollection AVP›State Collection Manager›Cluster Team Leader / Manager›Field Collection OfficersLEGAL RECOVERYHO Vice Presidents ›State LegalRecoveryManager›Cluster Legal Recovery ManagerMulti-layered collection framework COLLECTION STRATEGYStrengthened Collection Infrastructure
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About UsOrganizational OverviewTechnology, Risk, Underwriting & CollectionsBusiness HighlightsFinancials, Treasury & Capital ManagementSustainability
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67%26%4%3%Home LoansQuasi Home LoansInsurance LoansTop up Loans 100%Small Business Loans &Non-HLsHFCAUM : ₹10,086 Cr NBFCAUM : ₹4,091 Cr 75%LIG Customers81%Largely Self Employed Customers86%RuralFocus24 Secured Portfolio – Home Loans (HL) / Small Business Loans (SBL)Diverse Products for Niche Segment
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25 Disbursements (₹Cr)963 1,153 Q2 FY26 Q2 FY27227267Q2 FY26 Q2 FY277.9%7.7%Q2 FY26 Q2 FY27ROE (%)20.0%20.1%Q2 FY26 Q2 FY27PAT (₹Cr) ROA (%)11,76714,177Q2 FY26 Q2 FY27AUM (₹Cr)+20%+18%-18 bps+8 bps+20%YoYQoQGross NPA (%)1.55%1.68%Q2 FY26 Q2 FY27+13 bpsPerformance Highlights : Q2 FY27(Consolidated)
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Spread (%)17.0%16.9%17.0%17.3%17.4%17.2%8.4%7.7%8.1%8.6%8.7%8.3%FY 21 FY 22 FY 23 FY 24 FY 25 FY 2617.3%17.2%17.1%17.1%17.0%8.4%8.3%8.1%8.0%8.1%Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY278.6%9.2%8.9%8.7%8.7%8.9%FY 21 FY 22 FY 23 FY 24 FY 25 FY 268.9%8.9% 9.0% 9.0%8.9%Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 YieldCost of Borrowings 26 Yield, CoB & Spread(Consolidated)
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Cost to Total Income (%)15.3%13.9%14.6% 14.6%14.2%14.4%FY 21 FY 22 FY 23 FY 24 FY 25 FY 2613.8%15.0% 15.0%14.8%15.5%Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY2727 2.8%2.5%2.8% 2.7%2.6%2.7%FY 21 FY 22 FY 23 FY 24 FY 25 FY 262.7% 2.8% 2.8% 2.7% 2.8%Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27Opex to Average AUM (%)Efficient Operating Cost Model(Consolidated)
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1.55%1.56%1.52%1.70%1.68%Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27Gross NPA (%)1.17%1.18%1.15%1.29%1.27%Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27Net NPA (%)99.36%99.10%100.50%98.52%98.35%Q2 FY26Q3 FY26Q4 FY26Q1 FY27Q2 FY27Collection efficiency (%)6.34%6.48%6.21%6.87%7.08%Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY2730 + DPD (%)28 Asset Quality(Consolidated)
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29 ₹CrParticularsAs on30-Sep-25As on30-June-26As on30-Sep-26176.9215.3217.8Gross Stage 31.5%1.7%1.7%% portfolio in Stage 344.253.854.5ECL Provision Stage 3132.7161.5163.4Net Stage 325.00%25.00%25.00%Provision coverage ratio (PCR)546.6656.5699.9Gross Stage 24.8%5.2%5.4%% portfolio in stage 241.248.550.7ECL Provision Stage 2505.4608.1649.2Net Stage 27.54%7.38%7.24%Provision coverage ratio (PCR)10,689.111,819.012,049.0Gross Stage 193.7%93.1%92.9%% portfolio in stage 132.127.928.6ECL Provision Stage 110,657.011,791.112,020.4Net Stage 10.30%0.24%0.24%Provision coverage ratio (PCR)11,412.612,690.812,966.7Total Loan Book117.5130.2133.7ECL Provision1.0%1.0%1.0%Provision coverage ratio (PCR) Provision for Expected Credit Loss (ECL)(Consolidated)
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About UsOrganizational OverviewTechnology, Risk, Underwriting & CollectionsBusiness HighlightsFinancials, Treasury & Capital ManagementSustainability
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31 ₹CrH1 FY27VsH1 FY26H1 FY26H1 FY27Q2 FY26Q2 FY27Particulars9421,080473551Interest Income82985049Net Gain on derecognition of financial instruments60673134Fee and Other Income(325)(342)(165)(172)Interest Expenses19%758904389463Net Income Margin(150)(189)(76)(99)Operating Expenses(29)(45)(18)(24)Credit Cost580669294340Profit Before Tax(134)(141)(68)(73)Prov. For Tax19%446528227267Profit After Tax Statement of Profit and Loss(Consolidated)
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32 ₹CrH1 FY27VsH1 FY26H1 FY26H1 FY27Q2 FY26Q2 FY27Particulars650753324380Interest Income57594128Net Gain on derecognition of financial instruments75525127Fee and Other Income* (228)(226)(115)(113)Interest Expenses15%554637301322Net Income Margin(90)(128)(45)(62)Operating Expenses(14)(12)(5)(6)Credit Cost450497252254Profit Before Tax(94)(103)(50)(53)Prov. For Tax10%357393202201Profit After Tax*Fee and other income of Q2 FY26 and H1FY26 includes ₹25 Cr of dividend income received from the NBFC subsidiary Statement of Profit and Loss(Aptus Value Housing Finance: Standalone-HFC)
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33 ₹CrH1 FY27VsH1 FY26H1 FY26H1 FY27Q2 FY26Q2 FY27Particulars306331155172Interest Income2539921Net Gain on derecognition of financial instruments111668Fee and Other Income(112)(120)(57)(61)Interest Expenses16%230266113140Net Income Margin(60)(61)(32)(37)Operating Expenses(15)(33)(13)(17)Credit Cost1551726886Profit Before Tax(40)(37)(18)(19)Prov. For Tax18%1141355067Profit After Tax Statement of Profit and Loss (Aptus Finance: NBFC)
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34 ₹CrAs on30-Sep-25As on30-Sep-26Particulars Liabilities & Equity100 100Share capital 4,5575,367Reserves &surplus 4,657 5,467Net worth 7,284 8.386Borrowings 83 104Other Liabilities & Provisions 12,023 13,957Total Liabilities & EquityAssets11,243 12,768Loan Assets 9 11Fixed Assets 563 731Liquid Assets -Bank FD's /MF's etc 102 325Financial Assets 105 122Non Financial Assets 12,023 13,957Total Assets Balance sheet(Consolidated)
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* Ratio on Avg. AUM # Ratio on Avg. Networth35 H1 FY26H1 FY27Particulars17.4%16.5%Revenue from Operations1.4%1.4%Net Gain on derecognition of financial instruments0.4%0.3%Other Income19.2%18.3%Total Revenue(5.8%)(5.0%)Interest Expenses13.4%13.2%Net Income Margin(2.7%)(2.8%)Operating Expenses(0.5%)(0.7%)Credit Cost10.2%9.8%Profit Before Tax - RoA7.9%7.7%Profit After Tax - RoA* 20.0%20.1%Profit After Tax - RoE# RoA Tree (based on Avg AUM)(Consolidated)
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63.7%18.1%11.0%7.2%Credit Rating(ICRA) – AA Stable(CARE) – AA Stable36 Diversified and Balanced FundingMix*Sources of funds mix(%)FY24FY 25 FY26H1 FY27Avg. Tenure of Borrowings (Months)* 80.180.280.180.0Term LoansNCDsSecuritization /Direct AssignmentNHB26+ Lender RelationshipsNo Exposure to Short term loan incl CPsRefinancePrivate SectorBanksPublic SectorBanks Mutual Funds Insurance PTC : 8.3%DA :9.8%* Consolidated basis Robust Funding Management and Credit Profile
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Position as on 30thSep 202637493 3,139 4,599 5,835 6,290 1,735 924 1,940 202 798 1,117 2,668 5,100 1,670 883 1,406 >10years7-10 Years5-7 Years3-5 Years1-3 Years6m -1 Year3-6 Months<3 Months OutflowsInflows Surplus53341651,1903,1673,4822,341291 (₹Cr)Asset and Liability Maturity Pattern(Consolidated)
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A. Liquidity* As on30-Sep-26Particulars731Cash & Cash equivalents1,028Unavailed Sanctions from Banks1,759TotalB. Capital Adequacy# Q4 FY27Q3 FY27Particulars1,8151,759Opening Liquidity1,0511,044Add:Loan repayment & Surplus from Operations882988Less:Debt repayments & Other Outflows1,9841,815Closing LiquidityCapital Adequacy as on 30th Sep 2026 – 69.2%(₹Cr) 38 ₹1,984 CrSurplus available for business up to March 2027* Consolidated basis |# For Aptus Value Housing Finance: Standalone-HFC Comfortable Liquidity Position/ Capital Adequacy
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27.8%30.5%23.9%17.8%DIIsPublic & OthersFounder Promoter – M. AnandanFIIs & FPIsShareholding as on 30th Sep’26 39 Diverse Investor BaseHolding (%)Founder Promoter23.9M. AnandanHolding (%)DIIs8.1SBI MF3.6Kotak MF2.8Aditya Birla MF2.5Bandhan MF1.3Nippon MF1.2Tata AIG1.0ICICI Pru MFHolding (%)FIIs & FPIs5.2Malabar 3.4Capital Research 3.2Vanguard US 3.1Govt. Pension Fund Norway 2.6Arohi2.6Aberdeen 2.0Theleme1.6Blackrock US 1.2Border to Coast
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About UsOrganizational OverviewTechnology, Risk, Underwriting & CollectionsBusiness HighlightsFinancials, Treasury & Capital ManagementSustainability
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41 SustainabilityFinancial InclusionUnderserved borrowersExpanding access in smaller towns Sustainable PracticesDigital processesResource conservation initiatives Customer-Centric Social ImpactBorrower empowermentTransparent lending processes Employee WelfareSafe work environmentCareer progression opportunities Strong Corporate GovernanceBoard oversight & structuresTransparent practices Regulatory & Risk ComplianceRBI/NHB ComplianceRisk Management CRISIL ESG Rating : Strong
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Digital Initiatives for a Greener Tomorrowe-Stamping & e-NACHDigital agreements Auto-debit feature e-KYC & e-SignatureFaster onboardingPaperless verification BandhuAppField operations digitized and streamlined CustomerAppLoan journey managed digitally and end-to-end HRMS PlatformEmployee lifecycle managed digitally 100%94.1%Q2 FY27% of Digital Collections92.5%Q2 FY27% of Digital Agreements 99.5%Q2 FY27% of Customers on App 42 85.3%Q2 FY27% Account Aggregator PenetrationE-Nach Mandate
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Building Social Capital Financial Inclusion•Expanding financial access in underserved markets•Empowering self-employed individuals and small businesses•Serving low-income households across Tier II–IV markets•Enabling homeownership through affordable housing finance•Expanding access to quality education and healthcare•Strengthening essential community infrastructure•Supporting digital literacy and skill development•Improving educational access for disadvantaged children•Addressing critical infrastructure gaps in underserved communities•Enhancing access to essential public services through community infrastructure development Corporate SocialResponsibility•Empowering women through income-generating opportunities•Supporting entrepreneurship among marginalised communities•Enabling self-employment for persons with disabilities•Improving financial independence through livelihood initiatives•Creating sustainable economic opportunities Sustainable Livelihoods Self-employed75%LIG4381%
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Creating Lasting ImpactEducation UpliftmentStrengthening educational infrastructure in rural communitiesExpanding classrooms and learning facilitiesDigital literacy and vocational training for womenImproving school accessibility through transportation supportSupporting education and welfare of tribal studentsEnhancing residential and academic facilitiesStrengthening digital and interactive learning infrastructureSupporting nutritional needs of government school children44
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Enabling Better HealthCommunity DevelopmentStrengthening neonatal and critical care infrastructureProvision of advanced medical equipment for specialized treatmentUpgradation of diagnostic and clinical laboratory facilitiesEnhancing pediatric and newborn healthcare servicesImproving access to quality healthcare for underserved communitiesSupporting medical outreach and community health initiativesModernization of public healthcare infrastructureStrengthening hospital capabilities for patient care
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Strong Governance CultureCorporate Governance•Diverse board with tech, finance, risk expertise•Our board enhances corporate visibility, image, and governance, building trust with external stakeholders.•Our board ensures robust risk management and provides objective oversight across the organization.•We have board-approved policies to promote transparency, responsibility, and accountability.(Link to the policies) Resilient & Compliant Leadership•Dedicated CRO for risk identification and mitigation•CCO monitors compliance regularly and thoroughly•Independent internal audit function•Regular branch and business audits•Experienced leadership across business, IT, legal, HR•Clean track record with zero loan defaults•No audit qualifications in financial reports•No restatement of financial statements reported CommitteesBoard Level•Audit•Nomination and Remuneration•Corporate Social Responsibility •IT Strategy Committee•Risk Management Committee•Resourcing and Business•Stakeholders Relationship•Related Party TransactionsManagement •ALCO•Grievance Redressal•Internal complaints (POSH)•IT steering•IT security•Wilful defaulter identification•Wilful defaulter review•Special committee for fraud risk management 46
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47 Strong Corporate Governance, Distinguished Board Managing Director Non-Executive Independent Directors Mona KachhwahaDirector –Ujjivan SFB, UC Investment ManagementNon-Executive Independent Directors Managing DirectorAnand RaghavanFormer partner –Ernst & YoungFormer VP –Sundaram Finance Natarajan RamasubramanianFormer GM, RBISubba Rao Former CEO Cholamandalam MS Risk Services ChairmanM. AnandanExecutive ChairmanMukul MathurFounder & Partner –ZeroT Plus Technologies, Former VP - IBMP. BalajiManaging Director
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48 Experienced Professional Management P. BalajiManaging Director30+ yrs of experienceSeveral years of experience infinancial Servicesincluding HFC C.T. ManoharanED & Chief Business Officer30+ yrs of experienceRich experience in housing finance industry across sales, channel and distribution management V. KrishnaswamiChief Technology Officer25+ yrs of experienceExperience in strategizing and implementing taltechnology solutions, IT designs and infrastructure John VijayanChief Risk Officer30+ yrs of experience Naveen Kumar RVice President – Operations & Compliance14+ yrs of experienceExperience in Housing Finance Industry specific to Operations, Customer Service, Portfolio analytics and LOS/LMSVijayaraghavan KannanHead Internal Audit15+ yrs of experienceExperience in Audit & Assurance, Tax, Regulatory compliances and Risk management Srinivasan KVice President – Credit20+ yrs of experienceRich experience in areas of Credit & Risk Management, Fraud Control and operations in retail finance Krishna Kishore SVice President – Risk & Operations15+ yrs of experienceExperience in areas of Credit & underwriting, Portfolio and Risk management of Mortgage productsSanjay MittalChief Financial Officer20+ yrs of experienceExperience in Finance, Accounts, Treasury, Investor Relation, Corporate Strategy & Planning Experience in Financial Services in the areas of Risk Management, Internal Audit , Operations & FinanceN. SrikanthSr. Vice President – HR30+ yrs of experienceExperience in HR planning, recruitment, training, induction, employee relations and engagementSundara Kumar VSr. Vice President – Legal, Technical & Receivables25+ yrs of experienceLegal experience in Mortgage finance,SARFAESI and arbitration procedures in management of collections
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THANK YOU 49 For further information, please contact:Investor Relations – Aptus Value Housing Financeinvestorrelations@aptusindia.com