Analysts/Institutional Investor Meet/Con. Call Updates

Ref No: APTUS/04-NOV/2026-27 November 04, 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: Investor Presentation on the Unaudited financial results for the second quarter ended September 30, 2026. Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith a copy of the Investor Presentation of the Company on the Unaudited Financial Results for the second Quarter ended September 30, 2026. This Investor Presentation is also available on the website of the Company at https://www.aptusindia.com/investors-presentation/. Please take this information on record. Thanking you, For Aptus Value Housing Finance India Limited Sanin Panicker Company Secretary & Compliance Officer Aptus Value Housing Finance India Ltd. 8B, Doshi Towers, 205, Poonamallee High Road, Kilpauk, Chennai-600 010. Tel: 044-4565000. E-mail: cs@aptusindia.com CIN: L65922TN2009PLC073881 www.aptusindia.com Aptus Value Housing Finance India Limited Investor Presentation | Q2/H1 FY27 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 subscribe for any securities and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containingdetailed informationabout 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, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omissionfrom, the Presentation is expressly excluded. This presentation contains certain forward-looking statements concerning the Company’s future business prospects and business profitability, which are subject to a number of risks and uncertainties and the actual results could materially differ from those in such forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties 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 on contracts, our ability to manage our international operations, government policies and action regulations, interest and other fiscal costs generally prevailing in the economy. The Company does not undertake to make any announcement in case any of these forward-looking statement become materially incorrect in future or update any forward-looking statements made from time to time by or on behalf of the Company. Snapshot: H1 FY27 (Consolidated) Business Distribution Asset Quality Capital Profitability ₹ 2,206 Cr 1.99 L 1.68% ₹ 5,467 Cr ₹ 715 Cr Disbursement Customers GNPA Net-Worth PPoP +27% +16% +13 bps +17% +17% ₹ 14,177 Cr 4,220 1.27% 69.2% ₹ 528 Cr AUM Employees NNPA CRAR PAT +20% +14% +10 bps - +19% 17.0% 397 25.00% 8.1% 7.7% Yield Branches PCR CoB RoA -30 bps +76 - -40 bps -13 bps 8.9% 7 1.03% AA 20.1% (ICRA) Stable / Spread States & UTs ECL AA RoE (CARE) Stable +10 bps - - Credit Rating +10 bps Snapshot: H1 FY27 (Aptus Value Housing Finance: Standalone-HFC) Business Asset Quality Capital & Funding Profitability ₹ 10,086 Cr 1.48% ₹ 4,547 Cr ₹ 509 Cr AUM GNPA Net-Worth PPoP* +20% -5 bps +13% +10% ₹ 1,526 Cr 1.12% 7.9% ₹ 393 Cr Disbursement NNPA CoB PAT* +35% -4 bps -105 bps +10% 15.9% 25 bps 8.0% 8.1% Yield Credit Cost Spread RoA -10 bps -8 bps +95 bps -62 bps * PPoPand PAT of H1FY26 includes ₹25 Cr of dividend income received from the NBFC subsidiary Snapshot: H1 FY27 (Aptus Finance: NBFC) Business Asset Quality Capital & Funding Profitability ₹ 4,091 Cr 2.17% ₹ 1,078 Cr ₹ 205 Cr AUM GNPA Net-Worth PPoP +22% +58 bps +38% +21% ₹ 680 Cr 1.63% 8.1% ₹ 135 Cr Disbursement NNPA CoB PAT +12% +43 bps -49 bps +18% 19.6% 169 bps 11.5% 6.8% Yield Credit Cost Spread RoA -15 bps +74 bps +34 bps -42 bps About Us Organizational Overview Technology, Risk, Underwriting & Collections Business Highlights Financials, Treasury & Capital Management Sustainability Introduction Operating through a distinct HFC and NBFC structure, catering to diversecustomersegments Focused on Self-employed borrowers in Tier-II/III/IV locations Providing home and small business loans to primarily self-employed customersinsemi-urbanareasforpast16years RegulatedbyRBIandNHB. 81% 1.99L 75% Run by professionalmanagementbackedbystrong Board,Founder Promoterandmarqueeinvestors. Self-Employed Customers LIG Enhancing momentum in Maharashtra and Odisha, while sustaining leadership in the South to strengthen the growth trajectory 6&1 397 4,220 State & UTs Branches Employees Sustainablereturnprofilesupportedbyadiversifiedproductmixand variedcustomerincomeprofiles 14,177 Crossed 13,107 ₹10,000 Cr AUM 10,865 Listed on Stock Exchanges & Rating Upgraded to 8,722 Profitable ICRA AA-Stable 6,738 5,180 4,086 3,179 2,247 1,414 0 29 86 159 252 358 519 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1 FY27 )rC₹( *MUA Our Journey CAGR Sustained Rating Upgrade from CARE 26% 20%+RoE and ICRA to AA FY 21 –FY 26 Since Q1 FY26 Incorporated Expanded to 100th 4 States Branch * Consolidated basis 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 Liability Base and Mix Of Varied Products and Improved Credit Rating Customers 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 ATSacross • Credit focused organization segment contiguous growth and segments. • Focus on productivity in • Diversified product, Income deep penetration • Pursue alternate channels existing branches through Streamfrom HL and SBL • Contiguous expansion in via connectors, digital better employee retention • Ticket size in ₹8–20L range new markets –Maharashtra marketing,Customer and • Focus on Credit Cost and in HL and SME and Odisha Bandhu Apps Opex • Different categories of • Increase Market Share in • Explore opportunities to • Continue to pursue customer profilesdesigned existing markets introduce new lending reduced cost of funds, products to grow business while diversified sources of effectively managing risk funding and rating upgrades Historical Performance (Consolidated) Particulars FY 21 FY 22 FY 23 FY 24 FY 25 FY26 H1 FY26 H1 FY27 CAGR No. of Branches (#) 190 208 231 262 300 339 321 397 No. of Customers (#) 58,069 83,565 1,07,146 1,33,499 1,61,597 1,87,889 1,71,761 1,99,047 Disbursements 1,298 1,641 2,395 3,127 3,604 4,009 1,738 2,206 AUM 4,068 5,180 6,738 8,722 10,865 13,107 11,767 14,177 26% Total Income 655 840 1,135 1,409 1,799 2,246 1,084 1,245 Interest Expenses (207) (209) (276) (388) (541) (648) (325) (342) Net Income Margin 449 632 [Showing first 8,000 characters — download PDF for full document]