Apollo finvest (India) Limited has released its investor presentation for the quarter ended December 31, 2025, showcasing strong financial performance and strategic progress. The digital-first NBFC demonstrated robust growth across multiple operational metrics while maintaining disciplined portfolio quality.

Financial Performance Highlights

The company delivered solid financial results for Q3FY26, with key metrics reflecting sustained profitability and operational efficiency.

The company's lean team structure continues to deliver high revenue efficiency, with income per employee reaching Rs. 0.17 crore. The 32.71% year-on-year growth in profit before tax demonstrates accelerating profitability, while the 38.94% net profit margin reflects disciplined cost management.

Portfolio Quality and Risk Management

Apollo Finvest maintained strong portfolio health indicators, consistently outperforming industry benchmarks across key risk metrics.

The company's borrower mix reflects a prime, credit-aware customer segment with an average bureau score of 724 and stable average income of Rs. 18,000, underpinning consistent repayment behavior and lower portfolio volatility.

Strategic Growth Initiatives

Partnership-Driven Retail Expansion

The company's retail book achieved remarkable 189% quarter-on-quarter growth in Q3FY26, driven by strategic partnerships with proven fintech platforms. Apollo Finvest has selectively partnered with high-quality fintechs including moneyview, weRize, branch, snapmint, mPokket, and others, focusing on partners with strong governance and seasoned portfolios.

Apollo Cash Digital Platform

The company launched Apollo Cash, its digital lending platform designed for financial inclusion. Key achievements include:

• Strong early adoption with 35,000+ organic downloads at launch
• Data-driven, digital-native platform built for scale
• Focus on driving financial inclusion through technology

Technology and Risk Infrastructure

Advanced Underwriting Systems

Apollo Finvest has implemented sophisticated underwriting and risk management systems:

Account Aggregator-Led Underwriting:

• Shifted from static bank PDFs to real-time, consent-based income data
• Rs. 30+ crore already disbursed via AA-led underwriting

360° Risk-Based Pricing:

• Pricing driven by income and alternate data beyond bureau scores
• Incorporates device data, SMS patterns, transaction patterns, app usage, and telco indicators

Fraud Prevention:

• Real-time fraud screening using IP, device finger-printing, and geolocation
• Blacklisted pincodes and staged identities blocked pre-disbursal

Team Expansion and Capabilities

The company has strengthened its team with 24 new hires bringing deep lending experience from leading fintechs including FLEXILOANS, caspian, branch, ftcash, Aditya Birla Capital, and Lendenclub. The expansion has built critical depth across data science, collections, finance, and technology functions to support the next phase of scaled execution.

Apollo Finvest (India) Ltd has announced that its Board of Directors will convene on February 03, 2026, to review and approve the company's quarterly financial performance. The meeting has been scheduled in accordance with regulatory requirements under SEBI Listing Regulations.

Board Meeting Details

The company has formally notified BSE Limited about the upcoming board meeting, which will primarily focus on reviewing the financial results for the third quarter of fiscal year 2026. The meeting agenda includes consideration and approval of unaudited financial results for the quarter ended December 31, 2025, subject to limited review by the company's statutory auditors.

Trading Window Restrictions

In compliance with SEBI's Prohibition of Insider Trading Regulations, 2015, and the company's internal Code of Conduct, Apollo Finvest has implemented trading restrictions for designated persons. The trading window for dealing in the company's listed equity shares has been closed for designated persons and their immediate relatives.

Regulatory Compliance

The board meeting notification has been issued pursuant to Regulation 29(1) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The company has confirmed that this intimation will be made available on its official website at www.apollofinvest.com for stakeholder access.

The notification was signed by Mikhil Innani, Managing Director & CEO (DIN: 02710749), and submitted to BSE Limited on January 29, 2026. The company trades on BSE under scrip code 512437 and maintains its registered office in Andheri West, Mumbai, Maharashtra.