Aavas Financiers Limited

rs,

a, C-1, Block G, Bandra Kurla Complex, Mumbai – 400051 To, BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400001 Scrip Symbol: AAVAS Scrip Code: 541988 Dear Sir/Madam, Sub: I

₹ 234.5

utive Summary – FY26 Assets Customers Financial Performance Distribution Capital Structure ₹ 234.5 bn AUM ₹ 67.8 bn Disbursement 99.5% Retail Loans 65% | 35% HL | NHL 2,70,852 Active Loan Counts

₹ 67.8

FY26 Assets Customers Financial Performance Distribution Capital Structure ₹ 234.5 bn AUM ₹ 67.8 bn Disbursement 99.5% Retail Loans 65% | 35% HL | NHL 2,70,852 Active Loan Counts 61% | 39% Self

99.5%

Financial Performance Distribution Capital Structure ₹ 234.5 bn AUM ₹ 67.8 bn Disbursement 99.5% Retail Loans 65% | 35% HL | NHL 2,70,852 Active Loan Counts 61% | 39% Self-Employed | Salaried

65%

ance Distribution Capital Structure ₹ 234.5 bn AUM ₹ 67.8 bn Disbursement 99.5% Retail Loans 65% | 35% HL | NHL 2,70,852 Active Loan Counts 61% | 39% Self-Employed | Salaried ₹ 6,556 mn PAT*

35%

Distribution Capital Structure ₹ 234.5 bn AUM ₹ 67.8 bn Disbursement 99.5% Retail Loans 65% | 35% HL | NHL 2,70,852 Active Loan Counts 61% | 39% Self-Employed | Salaried ₹ 6,556 mn PAT* 12.82%

61%

n AUM ₹ 67.8 bn Disbursement 99.5% Retail Loans 65% | 35% HL | NHL 2,70,852 Active Loan Counts 61% | 39% Self-Employed | Salaried ₹ 6,556 mn PAT* 12.82% | 7.62% Yields | CoB 5.20% | 7.93% Spread

39%

₹ 67.8 bn Disbursement 99.5% Retail Loans 65% | 35% HL | NHL 2,70,852 Active Loan Counts 61% | 39% Self-Employed | Salaried ₹ 6,556 mn PAT* 12.82% | 7.62% Yields | CoB 5.20% | 7.93% Spread | NIM

₹ 6,556

Retail Loans 65% | 35% HL | NHL 2,70,852 Active Loan Counts 61% | 39% Self-Employed | Salaried ₹ 6,556 mn PAT* 12.82% | 7.62% Yields | CoB 5.20% | 7.93% Spread | NIM 435 Branches 15 States/UTs 7,649

12.82%

| 35% HL | NHL 2,70,852 Active Loan Counts 61% | 39% Self-Employed | Salaried ₹ 6,556 mn PAT* 12.82% | 7.62% Yields | CoB 5.20% | 7.93% Spread | NIM 435 Branches 15 States/UTs 7,649 Employees ₹ 5

7.62%

| NHL 2,70,852 Active Loan Counts 61% | 39% Self-Employed | Salaried ₹ 6,556 mn PAT* 12.82% | 7.62% Yields | CoB 5.20% | 7.93% Spread | NIM 435 Branches 15 States/UTs 7,649 Employees ₹ 50.5 bn N

5.20%

ive Loan Counts 61% | 39% Self-Employed | Salaried ₹ 6,556 mn PAT* 12.82% | 7.62% Yields | CoB 5.20% | 7.93% Spread | NIM 435 Branches 15 States/UTs 7,649 Employees ₹ 50.5 bn Net Worth 44.56% CRA

“✓AI-Powered Collections Voice BOT to automating outbound recovery workflows 4.6 4.7 4.8 4.3 Salesforce App Aavas Nirman Plus Aavas Referral App Customer App Key Transformation Partners 13 Aavas | Investor Presentation Q4 & FY26 192 0 0 251 211 214 41 56 149 205 210 241 219 238 244 210 223 240 Technology Transformation & AI Adoption Outcomes Login to Sanction TAT (days) Digital Led Business (Rs.”

“C/I = 43.22% | FY26 : 3.37% and 42.53% Excluding ESOP Cost (Q4FY25) : Adj.”

“Total Asset Aavas | Investor Presentation Q4 & FY26 192 0 0 251 211 214 41 56 149 205 210 241 219 238 244 210 223 240 35 65 143 236 38 51 Environmental, Social & Governance Extra Mile of Corporate Governance Robust Corporate Governance 3 women Directors of the Board.”

Mitra

1

Channel Partner

1

Direct

1

Ambassador

1

Connector

1

Digital

1

ATS

1

Income

1

LTV

1

Surplus

1

Digital

Website, WhatsApp, Chatbot, etc. Direct Channel Digital Connector Channel Partners Mitra & CSC 35 65 143 236 38 51 Focused on In-house Sourcing Four-tiered collection architecture Building Institutional Partnership for Lead generation 4 Pillars – Credit, Legal, Technical & RCU Right to Win Business Driven Technology Investment In-house & Mutually Exclusive Four Pillars Of Risk Institutional Underwriting Intelligence 1) Allied industries such as CA/CS/Tax Consultant, LIC Agent, Retired Banker, 2) Non-allied industries such as Lead Providers, Cement vendor, Notary, Lawyer, Stamp vendor Property Broker, Sanitary vendor, Paint shop, 12 Aavas | Investor Presentation Q4 & FY26 Building Contractor. 192 0 0 251 211 214 41 56 149 205 210 241 219 238 244 210 223 240 Major Technology Transformation Completed Guiding Principles 1 Be like a Bank by Technology Capabilities 2 Enable Sustainable Growth with Significant Operating Leverage 3 Create a Superior Customer Experience 35 65 143 236 38 51 Orig

ATS

₹1.02mn Upto ₹ 1.5 Mn ₹ 1.5 to ₹ 2.5 Mn ₹ 2.5 to ₹ 5.0 Mn 83% Above ₹ 5.0 Mn AUM by Income Category AUM by LTV (at Origination) 12% Average

LTV

55% 23% 37% Upto 40% >40% to 60% >60% 21 Aavas | Investor Presentation Q4 & FY26 192 0 0 251 211 214 41 56 149 205 210 241 219 238 244 210 223 240 35 65 143 236 38 51 Spreads, Margins and Yields Yield and Cost of Borrowings (%) 13.16% 12.66% 13.12% 13.13% 13.13% 12.82% 7.40% FY21 6.88% FY22 7.61% 8.07% 8.24% FY23 FY24 FY25 7.62% FY26 Yield 14.5% 14.0% 13.5% 13.0% 12.5% 12.0% 11.5% 11.0% 10.5% 13.13% 13.13% 13.08% 13.02% 12.82%* 8.24% 8.02% 7.85% 7.68% 7.62% Q4FY25 Cost of Borrowing Q1FY26 Q2FY26 Q3FY26 Q4FY26 9.5% 9.0% 8.5% 8.0% 7.5% 7.0% Spreads & Margins (%) 7.71% 5.76% 8.23% 8.28% 5.77% 5.51% 7.91% 7.64% 5.06% 4.89% 7.93% 5.20% 8.11% 4.89% 7.48% 5.11% 9.0% 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% 8.04% 8.01% 5.23% 5.34% 8.45% 5.20%* FY21 FY22 FY23 FY24 FY25 FY26 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Spread Net Interest Margin (NIM) 22 * Impact of 15 bps reduction in PLR w.e.f. Mar-26 Aavas | Investor Presentation Q4 & FY26 192 0 0 251 211 214 41 56 149 205 210 241 219 238 244

Surplus

13.62 18.93 18.64 23.14 21.55 37.08 35 65 143 236 38 51 52.25 211.86 Assets Liabilities 23.19 9.57 35.94 17.01 51.38 32.74 155.66 134.11 153.56 159.61 108.93 85.79 190.64 <3 months <6 months <1 year <3 years <5 years <7 years <10 years Liquidity Position Particulars (₹ mn) Cash & Cash Equivalents Un-availed CC Limits Documented & Un-availed Sanctions from Banks Total Liquidity Position As on Mar-26 Particulars (₹ mn ) 17,990 1,010 9,750 28,750 Opening Liquidity Add: Principal Collections & Surplus from Operations Less: Debt Repayments Closing Liquidity Q1FY27 Q2FY27 Q3FY27 Q4FY27 28,750 31,561 33,329 34,574 8,843 9,128 9,143 9,311 6,032 31,561 7,361 33,329 7,897 34,574 7,691 36,195 High-Quality Liquidity of ₹ 19,000 Mn ₹ 36,195 Mn of Surplus Funds* available for business 28 * without including any incremental sanctions Aavas | Investor Presentation Q4 & FY26 192 0 0 251 211 214 41 56 149 205 210 241 219 238 244 210 223 240 Financial Statements 35 65 143 236 38 51 Profit and Loss Statem