Aptus Value Housing Finance India Limited — PPTs, 31-01-2025: Investor Presentation

**Financial Highlights:** Aptus Value Housing Finance reported AUM of ₹10,226 crore, reflecting a year-over-year growth of 27%. Disbursements for the nine months of FY25 stood at ₹2,540 crore, up 18%. Profit after tax for this period rose to ₹544 crore, marking a 22% increase compared to the previous year. The company's NIM was maintained at 12.94%, while ROE climbed to 18.54%.

**Strategic Initiatives and Growth Drivers:** The company continues strengthening its position in home loans and small business loans, aiming for expansion into new markets like Maharashtra and Odisha. The focus remains on enhancing digital capabilities through a fully integrated mobile-first loan origination system, leveraging AI and data-driven insights.

**Business Developments:** Aptus has recently been awarded 'India's Leading Housing Finance NBFC (Mid)' at the BFSI & FinTech Awards 2023, underscoring its industry presence. Additionally, the company has received a corporate agency license from IRDA to enhance its offerings.

**Market Position and Competitive Advantage:** The firm operates 298 branches across six states, emphasizing its governance and strong management, which contribute to its industry-leading profitability.

**Investor Implications:** With robust financial performance, a positive growth trajectory, and strategic market expansions, Aptus presents a favorable outlook for investors, especially as it capitalizes on the underpenetrated housing finance market.