Aptus Value Housing Finance India Limited

We are an entirely retail focussed housing finance company primarily serving low and middle income self-employed customers in the rural and semi-urban markets of India. According to the CRISIL Report, our Company had the highest RoA of 6.3% among the Peer Set during the financial year 2020. We are one of the largest housing finance companies in south India in terms of AUM, as of December 31, 2020. (Source: CRISIL Report) Our AUM has increased from ₹14,167.36 million, as of March 31, 2018 to ₹37,909.31 million, as of December 31, 2020, at a CAGR of 38.83%. Further, according to the CRISIL Report, we had the second-lowest-cost to income ratio among the Peer Set during the financial year 2020. Our Operating Expenses to Net The income Ratio for the nine months ended December 31, 2020 was 21.72%. Since the inception of our Company, we have not restructured any loans or written-off any loans receivable and as of December 31, 2020, our Gross NPAs expressed as a percentage of our Gross Loan Assets was 0.77%. During the nine months ended December 31, 2020 and the financial years 2020, 2019 and 2018, our Credit Costs to Average Total Assets was 0.09%, 0.11%, 0.06% and 0.07%, respectively.