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Ref No: APTUS/05-MAY/2022-23To,BSE Limited,Phiroze Jeejeebhoy Towers,Dalal Street,Mumbai- 400001Scrip Code: 543335May 05, 2022To,National Stock Exchange of India Ltd.,Exchange Plaza, C-1, Block G,Bandra Kurla Complex,Bandra (E)Mumbai – 400 051Scrip Symbol: APTUSDear Sir/Madam,Sub: Investor Presentation on the audited Financial Results for the quarter and year endedMarch 31, 2022Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations,2015, as amended, please find enclosed herewith a copy of Investor Presentation of the Company on theaudited Financial Results for the 4th quarter and year ended March 31, 2022.This Investor Presentation is also available on the website of the Company at www.aptusindia.comPlease take this information on record.Thanking you,For Aptus Value Housing Finance India LimitedDigitally signed bySANINSANIN PANICKER2022.05.05PANICKER Date:16:32:41 05'30'Sanin PanickerCompany Secretary & Compliance OfficerMembership No: A32834

Aptus Value Housing Finance India LimitedInvestor Presentation Q4 FY221

Safe HarborThis 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 orsubscribe for any securities and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. Nooffering of securities of the Company will be made except by means of a statutory offering document containing detailed information about theCompany.This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Companymakes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairnessand reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that youmay consider material. Any liability in respect of the contents of, or any omission from, the Presentation is expressly excluded.This presentation contains certain forward looking statements concerning the Company’s future business prospects and business profitability, whichare subject to a number of risks and uncertainties and the actual results could materially differ from those in such forward looking statements. Therisks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding fluctuations in earnings, our abilityto manage growth, competition (both domestic and international), economic growth in India and abroad, ability to attract and retain highly skilledprofessionals, 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 doe not undertake to make any announcement in case any of theseforward looking statement become materially incorrect in future or update nay forward looking statements made from time to time by or on behalf ofthe Company.2Q4 Investor Presentation

BackgroundCommenced Operations in 2010from Chennai, TamilnaduRegulated by RBI and supervised by NHBRun by professionalmanagement team backed bystrong Founder Promoter andmarquee investors3Presence in 208 locationsQ4 Investor Presentation

Key Strengths1Leader in Attractive South Market2Superior Asset Quality3454Industry Leading ProfitabilityPresence in Large Underpenetrated MarketGood Governance, Management and AlignmentQ4 Investor Presentation

Snapshot - March 2022Assets under Management (AUM)DisbursementGross Stage 3 (*)Rs. 5180 CrRs. 519 Cr1.19 % 27% 55 bps 26% 8% 49 bps 14%SpreadOpex to AssetsProfit After Tax9.15 %2.53 %Rs. 110 Cr 26 bps-25 bps 39 %-9 bpsReturn on AssetsReturn on Equity8.00 %14.45 %YoYQoQConsistently maintained5-34 bps(*) – As per RBI circular dated 12 Nov 2021Consistently maintainedQ4 Investor Presentation 8 %

Diversified Loan Portfolio With Niche Customer FocusSecured Portfolio – Home Loans (HL) / Small Business Loans (SBL)HFCInsuranceloans 4%NBFCTop uploans 5%QuasiHomeLoans24%Small business loans(SBL)100%HomeLoans67%AUM – Rs.4492 CrSmall businessloans 20%LIG Customers75%Self Employed Borrowers72%Rural Focus68%Average Ticket Size Rs.10 lks 93%AUM - Rs. 688 CrConsolidatedTop up loans 5%Insuranceloans 4%Home Loans56%Quasi HomeLoans 15%6AUM – Rs.5180 CrQ4 Investor Presentation

100% In-House Operations Leading to Desired Business OutcomesFully In-House Team Pricing Power1,307 Sales232 Reduced TATCentralCreditLow Takeover7210 399Legal & technicalCollectionReduced Risk of FraudsQ4 Investor Presentation

Robust Underwriting, Monitoring and Collections Process100% In-HouseSourcingLead Generationthrough Ref app, Cust appSocial media208 Branches0%Sourcing fromDSA / Builders8LeveragingTechnologyStringent CreditUnderwritingRobust CollectionManagement SystemDigital Onboardingand KYCCash flowassessment15-24 monthsPre & PostDisbursementCredit verificationapp, property app andlegal app –Optimal leverage of technologyleading to efficient processingQ4 Investor PresentationCentralizedUnderwritingMonitoring earlydefault signs90 DPDLegal action /SARFAESI

Information & Technology : Key Enabler of GrowthLending SoftwareCustomer Relationship &ServiceEnd-to-end softwaresolution2954Customer OnboardingSales app, referral app, credit verfn.app and property appE-KYC, E-NachHuman resources managementsystem applicationAutomated CRM and customerservice requests31Human ResourcesCollections App,Payments automation via BharatBill Pay, Google Pay, Paytm etcQ4 Investor Presentation6Business Intelligence &Analytics“Power” analytics platform

ScalabilityBranch Productivity as on March 31, 2022AUM per Branch (Rs. Cr)# of BranchesPer Capita GDPCompared to nationalaverage of INR 157kGDP GrowthIndia average: elangana23Karnataka% of AUM as onFY 22Tamil Nadu8148%52%56%60%Andhra 3732.6No ofbranchesState48FY 21100%FY 2013.1FY 19Q4 Investor Presentation3.8 1 Year Old1-3Year Old 3 Year Old

1102986201020112012(*) – WestBridge, Malabar Sequoia, Steadview15920132522014100th BranchExpansion 4 StatesWestbridgeAUM Rs.100 CrFirst PE EquityIncorporationBecame ProfitableCompanyListedCustomers over 50000CAGR - 30%(5 Years)Equity from Marquee Investors (*)Scalable Operating Model5180406731832247141484651935820152016AUM Rs. CroresQ4 Investor Presentation201720182019202020212022

Resilient Model Across Economic CyclesGST ImplementationFY 18NBFC Liquidity Crisis Covid-19 (first wave)FY 20FY 21AUM %1.19%(#)ROA6.0%7.8%7.4%8.00%# – As per RBI circular dated 12 Nov 202112Covid-19 (Second wave)FY 22Q4 Investor Presentation

Strong ESG FocusFocus on financialinclusion75%LIG72%Improving LivingStandardsStrong CorporateGovernanceEmploymentNILin rural / semi-urbanareasMaterial Civil litigationSupportDiversified Experienceto borrowersof Board Members across academicand professional domainsSelf-employed40%New to Credit13Q4 Investor Presentation

Performance Highlights (Quarterly)Spread (%)Disbursement (Rs. Cr)AUM (Rs. Cr)51951804219.09%8.89%9.15%45448054482Q2 FY 22Q3 FY 22Q4 FY 22Q2 FY 22Q2 FY 22Q3 FY 22Gross NPA (%)PAT (Rs. Cr)1.53% (*)101Q3 FY 22Q4 FY 22Q4 FY 22ROA (%)1101.19% (*)857.82%8.00%7.43%0.81%Q2 FY 22Q2 FY 2214Q3 FY 22Q4 FY 22(*) NPA as per RBI circular dated 12 Nov 2021Q2 FY 22Q3 FY 22Q4 Investor PresentationQ4 FY 22Q3 FY 22Q4 FY 22

Performance Highlights (Year on Year)Spread (%)Disbursement (Rs. Cr)AUM (Rs. Cr)164151801298406726%27%Mar 20219.15%Mar 2022FY 218.60%FY 22FY 21PAT (Rs. Cr)Gross NPA (%)FY 22ROA (%)3701.19% (*)8.00%7.37%2670.70%Mar 20211539%Mar 2022(*) NPA as per RBI circular dated 12 Nov 2021FY 21Q4 Investor PresentationFY 22FY 21FY 22

Consistent NIMsYields/Cost of Borrowings (%)17.40%17.30%17.20%9.50%9.80%9.80%FY 18FY 19FY 2017.03%8.43%FY 2117.03%16.89%8.43%7.74%M AR 2 1FY 2216.99%16.95%16.89%7.96%7.86%8.00%JUN 21SEP 21DEC 2116.89%7.74%M AR 2 2Spread 60%FY 1816FY 19FY 20FY 21FY 22Mar 2021Q4 Investor PresentationJun 2021Sep 2021Dec 2021Mar 2022

Opex and ROAOpex 53%FY 18FY 19FY 20FY 21Mar 2021FY 22Jun 2021Sep 2021Dec 2021Mar 2022ROA (%)8.00%8.00%7.37%7.62%7.01%7.37%176.20%6.10%FY 18FY 19FY 20FY 21Mar 2021FY 22Q4 Investor Presentation7.43%7.30%Jun 2021Sep 2021Dec 2021Mar 2022

Asset QualityGross NPA (%)Net NPA .67%0.38%Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022(*) NPA as per RBI circular dated 12 Nov 2021Collection efficiency (%)30 DPD (%)100.78%Covid 2 28%94.98%Mar 202118Jun 2021Sep 2021Dec 2021Mar 2022Mar 2021Q4 Investor PresentationJun 2021Sep 2021Dec 2021Mar 2022

Robust Funding Management and Credit Profile20 Lender RelationshipsNo Exposureto Short termloan incl CPsOthers, 4%Banks, 50%NHB, 32%Avg. tenure ofborrowings(months) FY22FY21FY2084.783.383.2Others represents Securitisation Credit Rating (ICRA)– Upgraded to AA-from A Credit Rating(CARE) – A (outlook upgraded from stable to positive)19Q4 Investor PresentationPublic SectorPrivate SectorIFC,MF,14%DFIDiversified and Balanced Funding MixNHBInternational FinanceCorporationHDFC BankAxis BankFederal BankICICI BankSBIIndian BankBank of BarodaBank of India

ALM SurplusPosition as on 31 March 2022 (Rs.Cr)453 3 months3-6 months19616210347813931 to 3 years4355 to 7 years5267 to 10 98803 to 5 years 10 years4218743583756m to 1 yearSurplus440InflowsQ4 Investor Presentation

PresentationComfortable liquidity positionRs. CroresParticularsCash and Cash EquivalentsAs on 31 Mar2022Q1 FY 23547Opening Liquidity547Add:Undrawn Sanctions300Add: Principal repayments andsurplus from operations212254Less: Debt repayments195273Closing Liquidity864846 High cost loans being prepaid or renegotiated Rs.846 crores available for business upto Sep 202221Q2 FY 23Q4 Investor Presentation864

Key Growth StrategiesContinuedFocus sReduce Costof Borrowings22 Ticket Size in INR 0.5 – 1.5mn range Large headroom in new to credit, retail segment Maintain different templates of customer profiles to increase business while managing risks Contiguous expansion and increasing penetration Branch expansion in new markets – Odisha, Maharashtra, and Chhattisgarh Diversification of borrowing profile Continue to improve credit ratingsQ4 Investor Presentation

Experienced and Well Diversified BoardCMDM. AnandanChairman & Managing DirectorWestBridge Non-Executive Nominee DirectorsSumir ChadhaNominee Director - WestBridgeKP BalarajNominee Director - WestBridgeNon-Executive Independent DirectorsS. KrishnamurthyFormer MD and CEO, SBI LifeInsuranceK. M. MohandassPartner, KM Mohandass & Co.Krishnamurthy VijayanFormer MD, JPM AssetMgmt.Non-Executive Independent DirectorVG KannanFormer- MD, SBI23Mona KachhwahaDirector – Impact InvestorsCouncilNon-Executive DirectorsShailesh J. MehtaPartner, Granite Hill Capital PartnersQ4 Investor PresentationSuman BolinaExecutive Managing Partner, Sri Santhi Corp.