Aptus Value Housing Finance India Ltd

Meeting Details

• Board meeting scheduled for Wednesday, November 04, 2026.

Key Agenda Items

• Approval of unaudited standalone and consolidated Q2 & H1 results for Sep 30, 2026.
• Proposal for first interim dividend for FY 2026-27; fix record date if declared.
• Record date for interim dividend set as Friday, November 13, 2026.

Other Notes

• Trading window closed from Oct 01, 2026 until 48 hours after declaration of Q2/H1 results.

Aptus Value Housing Finance India Ltd — Trading window closed from October 01, 2026 until 48 (fortyeight) hours after the declaration and submission of the unaudited financial results of the Company for the first half year ended September 30, 2026

Meeting Details

• Date: September 04, 2026; virtual investor/analyst meeting with Carnelian Asset Management.

Participants

• Company participants: not disclosed.

Purpose

• Purpose: discussion based on publicly available information; UPSI not intended.

Additional Notes

• Investor Presentation uploaded on company website; intimated to stock exchanges.

Capital / Securities

• Aptus approved allotment of 12,500 equity shares under the Aptus Employee Stock Option on Aug 31, 2026.
• Paid-up capital increased from Rs 1,00,16,35,472 to Rs 1,00,16,60,472.
• New shares total 50,08,30,236 equity shares, face value Rs 2 each.
• New shares rank pari-passu with existing equity shares.
• Company is completing listing formalities for the newly allotted securities.

Meeting Details

• Investor/Analyst meeting with Theleme India Fund; virtual; date September 2, 2026; time not disclosed.

Participants

• Company officials (management) to participate; specific roles not disclosed.

Purpose

• Discussion based on publicly available information; investor presentation uploaded.

Additional Notes

• Investor Presentation uploaded on website; host/exigencies may cause schedule changes.

Meeting Details

• Date: August 24, 2026.
• Type/Mode: Physical, One-on-One meeting.
• Venue: Chennai.
• Event: Investor/Analyst meeting hosted by Aptus Value Housing Finance India Ltd.

Participants

• Company participant: Company Secretary & Compliance Officer.

Purpose

• Purpose: Investor/Analyst meeting to discuss publicly available information.

Additional Notes

• Investor Presentation uploaded on company website and intimated to exchanges.
• Discussions will be based on publicly available information.

Transcript details

• Aptus Value Housing Finance India's Q1 FY26 earnings-call transcript covers quarter ended June 30, 2026.
• The call took place on Saturday, August 01, 2026.
• Transcript is available on Aptus' website.
• Management confirmed no unpublished price sensitive information was shared.

AGM Details

• Date and mode: 04 August 2026, via video conferencing.
• Attendance: 46 attendees via VC.

Key Resolutions and Results

• Resolution 1 (Ordinary): Adoption of financial statements; passed with majority support.
• Resolution 2 (Ordinary): Re-appointment of Ms Mona Kachhwaha as Independent Director; approved.
• Resolution 3 (Ordinary): Fixing borrowing limits; approved.
• Resolution 4 (Ordinary): Creation of charge/mortgage on assets; approved.
• Resolution 5 (Ordinary): Private placement of debentures approved.
• Resolution 6 (Ordinary): Aptus ESOP 2026 plan approved.
• Resolution 7 (Special): ESOP grant to subsidiary employees approved.

Director Changes

• Independent director Mona Kachhwaha reappointed; term not specified.

Business Overview

• Aptus Value Housing Finance focuses on retail housing finance with HL and SBL segments.
• Ticket sizes ₹8–20 lakh in HL and SME lending.
• Omni-channel sourcing, fully digital LOS, and in-house underwriting underpin growth.
• Risk-managed growth with 60+ customer profiles and centralized processing.

Key Operational Highlights

• 90% of loans approved within 72 hours.
• 100% in-house sourcing; multi-channel lead generation via Cust Bandhu apps, social media, and 372 branches.
• Mobile-first digital LOS with real-time APIs and OCR for faster onboarding.
• LTVs around 40% to support prudent risk management.
• Centralized underwriting and 60+ templates for risk profiling.
• 90 DPD monitored with 12–18 month risk horizon.

Financial Performance

• Q1 FY27 performance highlights presented; no explicit revenue or PAT figures in the chunk.
• Yield, spread, and opex to average AUM metrics showcased (values not disclosed).
• Surplus liquidity of ₹2,119.5 Cr available through December 2026.

Capital Structure & Liquidity

• No exposure to short-term CPs; 30+ lender relationships highlighted.
• Lower LTVs at ~40% and ongoing rating upgrade efforts.
• Relationships with public sector banks highlighted.

Strategic Priorities & Outlook

• Contiguous expansion in Maharashtra and Odisha; increase market share in existing markets.
• Strengthen sourcing via connectors, digital marketing, and Bandhu app.
• Explore opportunities to introduce new lending products.
• Fully digital LOS and mobile-first onboarding; focus on cost/credit efficiency.

Risks & Mitigation

• Credit risk managed via stage-wise disbursement and 60+ risk templates.
• Lower LTVs (~40%) as a risk mitigation.
• Cost optimization to support liquidity.

Governance & Leadership

• Independent Directors constitute the board.
• P. Balaji serves as Managing Director.
• Sanjay Mittal appointed Chief Financial Officer.
• John Vijayan appointed Chief Risk Officer.
• N. Srikanth appointed Senior Vice President – HR.
• ESOP plan implemented to retain employees.