Apollo Finvest (India) Limited has submitted a revised investor presentation to BSE Limited for the quarter ended December 31, 2025, after identifying and correcting typographical errors in key portfolio quality metrics. The digital-first NBFC filed the updated presentation under Regulation 30 of SEBI Listing Regulations on February 23, 2026.

Correction of Portfolio Quality Metrics

The company identified typographical errors in Slide 4 of its original investor presentation dated February 10, 2026, specifically relating to portfolio percentage figures for 30 PAR, 90 PAR, and GNPA percentage numbers. Apollo Finvest confirmed that no other financial numbers reported in the presentation were affected by these corrections.

Q3FY26 Financial Performance

The company reported strong financial metrics for the quarter ended December 31, 2025, demonstrating continued growth and profitability across key parameters.

Portfolio Quality and Risk Management

Apollo Finvest's portfolio quality metrics demonstrate strong risk management capabilities, with the company maintaining delinquency rates well below industry averages. The 30 PAR of 2.24% remains significantly lower than the industry average of 8.8%, while the 90 PAR of 2.07% outperforms the industry benchmark of 3.95%. The company's collection efficiency of 97.14% exceeds the industry standard of 91%.

The borrower profile reflects a prime customer segment with an average bureau score of 724 and average income of Rs. 18,000, supporting consistent repayment behavior and lower portfolio volatility.

Strategic Growth Initiatives

The company's retail book achieved remarkable growth of 189% quarter-on-quarter in Q3FY26, driven by strategic partnerships with proven fintech partners. Apollo Finvest has established collaborations with multiple fintech companies to scale its retail lending operations while maintaining strong governance standards.

The launch of Apollo Cash, the company's digital lending platform, has shown strong early adoption with over 35,000 organic downloads. The platform incorporates advanced underwriting capabilities, including Account Aggregator-led processes that have facilitated disbursements of over Rs. 30 crore through real-time, consent-based income data analysis.

Technology and Team Expansion

Apollo Finvest has strengthened its technological infrastructure through the Super Sonic lending engine, which advances underwriting, pricing, and fraud prevention through data-first systems. The platform utilizes 360-degree risk-based pricing driven by income and alternate data sources, including device data, SMS patterns, transaction analysis, and telecommunications indicators.

The company has expanded its team with experienced professionals from leading fintech organizations, building critical depth across data science, collections, finance, and technology functions to support scaled execution of its growth strategy.

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.