Investor Presentation

Ref. No. AAVAS/SEC/2026-27/2927 Date: July 21, 2026 To, To, The National Stock Exchange of India Limited BSE Limited Exchange Plaza, C-1, Block G, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Dalal Street, Mumbai – 400051 Mumbai – 400001 Scrip Symbol: AAVAS Scrip Code: 541988 Dear Sir/Madam, Sub: Investor Presentation on the Unaudited Financial Results for the Quarter ended June 30, 2026. Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 please find enclosed herewith a copy of Investor Presentation of the Company on the Unaudited Financial Results for the Quarter ended June 30, 2026. The above information will also be made available on the website of the Company and can be accessed https://www.aavas.in/investor-relations/investor-intimation. Date and time of occurrence of event/information: July 21, 2026 and Board Meeting concluded at 04:34 P.M. You are requested to take the above on record. Thanking You, For AAVAS FINANCIERS LIMITED SAURABH SHARMA COMPANY SECRETARY & COMPLIANCE OFFICER (ACS-60350) Enclosed: a/a LANRETNI 192 35 0 65 0 143 Investor Presentation Q1FY27 People. Performance. Perseverance. 192 35 Safe Harbour 0 65 0 143 This presentation and the accompanying slides (the “Presentation”), which have been prepared by Aavas Financiers Ltd. (the “Company”), without any specific objectives and solely for 214 information purposes and do not constitute directly or indirectly any advertisement, advise, offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form 51 the basis or be relied on in connection with any contract or binding commitment whatsoever. 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 omission from, this Presentation is expressly excluded. Further, this presentation is being made on uniform basis and no selective disclosure of the same have been made by the Company. Potential investors must make their own assessment of the relevance, accuracy and adequacy of the information contained in this presentation and must make such independent investigations as they may consider necessary or appropriate for investment purposes. This presentation contains certain forward-looking statements concerning the Company’s future business prospects, market opportunities 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. These statements can be recognized using words such as 238 “expects,” “plans,” “will,” “estimates,” “projects,” “marks,” “believe” or other words of similar meaning. 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, micro and macro geo-political issues, 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 actions 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 statements become materially incorrect in future or update any forward-looking statements made from time to time by or on behalf of the Company. Any reliance placed on this presentation by 240 any person for its investment strategy shall be at his own risk. 2 Investor Presentation Q1FY27 192 35 Executive Summary – Q1FY27 0 65 0 143 Financial Capital Customers Distribution Assets Performance Structure 99.6% 440 ₹ 239.3 bn ₹ 1,713 mn ₹ 52.2 bn Retail Loans Branches AUM PAT* Net Worth 62% | 38% 15 ₹ 16.1 bn 12.70% | 7.64% 44.66% Self-Employed | States/UTs Disbursement Yield | CoB CRAR Salaried ₹ 14.7 bn | 7.74% 64% | 36% 54% 260+ 5.06% | 7.70% Incre. Borrowings HL | NHL EWS & LIG Districts Spread | NIM (Amt.| Rate) 83% 7,706 ₹ 1.0 mn 43.7% | 3.37% Floating Rate <15 lakhs Ticket Size Employees ATS on AUM C/I | Opex Ratio Borrowings 2,75,869 2,600+ 55.4% 1.11% | 0.71% 35+ Active Loan Counts Towns covered Average LTV GNPA | NNPA # Lenders 4,15,000+ 80%+ 3.19% | 13.34% AA Floating Rate Assets Families Served Branch in Tier 3+ ROA | ROE Long term ratings 3 *PAT Includes OCI Investor Presentation Q1FY27 192 35 Management Commentary on Q1FY27 0 65 0 143 We have started the year on a strong note. During the quarter, we disbursed loans worth Rs. 16.1 bn, delivering robust growth of 41% 251 YoY. This performance was driven by a strong pickup in volumes, meaningful improvement in resource productivity, and healthy 38% 236 211 YoY growth in the Home Loan segment. As we move ahead, our priorities are accelerating customer acquisition, improving 38 214 productivity, driving higher revenue per resource, enhancing branch profitability, and increasing operating leverage. The quarter 51 reflects the early benefits of our focused execution strategy and provides a solid foundation for the rest of the year. With clear accountability across functions and strong alignment throughout the organization, we are embedding greater execution focus, discipline and rigor into every layer of the business underpinned by a firm commitment to strong governance. This collective ambition is anchored in a simple philosophy: “People. Performance. Perseverance.” Our AUM grew by 15.4% YoY to Rs. 239.3 bn as on Jun-26. Encouragingly, our monthly AUM addition improved by nearly 50% YoY during the quarter, enabling us to achieve in three months what previously took close to five months. Net profit grew 23% YoY to Rs. 1.71 bn, supported by 18% YoY growth in NII, a 22-bps YoY improvement in NIM to 7.70% and 9-bps YoY improvement in Opex Ratio to 3.37%. The cost-to-income ratio improved sharply by 254-bps YoY to 43.7%, providing encouraging evidence that our initiatives are beginning to translate into stronger operating performance. We expanded our network to 440 branch locations. We continue to maintain pristine asset quality. With our 1+DPD at 3.76% as of Jun-26, improved by 39-bps YoY. Similarly, our GNPA 219 improved by 11 bps YoY to 1.11%, while NNPA improved by 13 bps YoY to 0.71%. These outcomes reflect the discipline of our risk 238 architecture including the underwriting framework and reinforce our commitment to building a portfolio anchored in quality, resilience, 244 and prudent risk-adjusted returns. In line with our commitment to promoting sustainable housing, we have cumulatively funded over 700 green homes, establishing ourselves as a leader in green housing segment. 4 Investor Presentation Q1FY27 192 35 Key Performance Highlights – Q1FY27 0 65 0 143 Disbursement (₹ mn) 1+ DPD (%) AUM (₹ mn) +41% 214 +15% -39 bps 239,306 16,139 4.15% 207,397 3.76% 11,454 Jun-25 Jun-26 Q1FY26 Q1FY27 Jun-25 Jun-26 NIM (%) Opex to Assets (%) PAT (₹ mn) +22 bps -9 bps +23% 1,713 238 3.46% 7.70% 3.37% 1,392 7.48% Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 5 Investor Presentation Q1FY27 192 35 Pillars of Strength 0 65 0 143 Strong Institutional Diverse Geographical In-house Execution Model Diversified Customer Base Framework Distribution Professional Management Experienced Board of Diversified Shareholding Future ready Tech Team Directors Base Platform 6 Investor Presentation Q1FY27 192 35 People. Performance. Perseverance 0 65 0 143 251 People Performance Perseverance Operational Excellence Ownership [Showing first 8,000 characters — download PDF for full document]