#1Investor Presentation Q3 FY'22 Results SHRIRAM HOUSING FINANCE#2Shriram Housing Finance Limited - An Introduction AUM INR 4,606 Cr. 33% Product Split 67% HL NHL SHRIRAM HOUSING FINANCE Geographic footprint ATS¹ Net Worth 15 States 85 Branches INR 16.0 Lacs 178 Griha Poorti Offices (GPOs) Technology-enabled processes for efficiency and improved decision making Geographically widespread branch network for sourcing Strong leadership team driving quality portfolio growth One of the few HFCS in India straddling across segments and products Part of financial services conglomerate with 40+ years of experience E Note: All data as of Q3'22; ¹Based on Retail Portfolio ex. Mumbai & Delhi Ο 000 D SHRIRAM HOUSING FINANCE 商 INR 1,135 Cr. (INR 806 Cr. as on Sep-21) Healthy loan book with outstanding performance Granular HL focused portfolio 2#3Top Management with more than 200+ years cumulative Financial Services experience Ravi Subramanian, MD & CEO ■ With Shriram Group since 2010 ■ Joined SHFL in Nov-2018 ☐ 28 years in Banking & FS MBA from IIM Bangalore Team at helm since Jan-2019 SHRIRAM HOUSING FINANCE Experience HSBC ANZ ANZ Citi IBM (R) GS Agarwal Chief Financial Officer Work Exp: 29 years MAGMA SREI Invaller daam Srei Infrastructure Finance Limited One of the strongest management teams in the HFC space Nagendra Singh Chief Business Officer Work Exp: 22 years EQUIFAX HSBC CITI Umesh Waghade Business Head - CF Work Exp: 20 years InCred Bonow With Confi Standard Chartered Shivram J Chief Risk Officer Work Exp: 24 years RELIANCE Commercial Finance B BAJAJ FINSERV Citi Satinder Sidhu Head Collections - Work Exp: 21 years RELIANCE Commercial Finance IIFL citi Sandeep Ranjan Chief Digital Officer Work Exp: 21 years Fullerton India IIFL Christopher R Head Audit - Work Exp: 23 years राष्ट्रीय आवास बैंक NATIONAL HOUSING BANK Oriental Bank of Commerce Easwaran K Head - HR Work Exp: 27 years DAMAC LIVERY BARCLAYS عزیزی بانک Azizi Bank بنك مسقط BankMuscat 3#4The journey so far - A decade of calibrated growth Initial Phase Transformation Phase Jul-13 First Round of equity infusion completed by SCUF & Valiant Aug-11 Registered as HFC under National Housing Board Nov-10 Commencement of business Nov-18 Oct-14 AUM INR 500 Cr. Sep-15 AUM INR 1,000 Cr. New Management takes over Nov-20 AUM INR 3,000 Cr. | Apr-19 Rated AA by CRISIL SHRIRAM HOUSING FINANCE May-21 Capital Infusion by SCUF INR 200 Cr. Oct-21 Capital Infusion by SCUF INR 300 Cr. Dec-19 AUM INR 2,000 Cr. Dec-21 Disbursed 5,000+ Cr. in Transformation phase Jul-21 | | AUM INR 4,000 Cr. 4#5Highest ever origination since inception and lowest Stage-3 % since Mar-14 SHRIRAM HOUSING FINANCE AUM 4,606 Cr. (Loan book: 3,890 Cr.) Strong growth momentum continued with YoY Growth * Disbursals 768 Cr. (Q2'22: 633 Cr.) Highest ever quarterly origination since inception of 47% 2.47% including impact of RBI Circular dated 12th Nov'21 Stage-3 Assets 1.49% (on AUM) (1.72% on Loan Book)* Lowest Stage-3 % since Mar-14; Improved 23 bps QoQ Collection Efficiency 100.3% (on count of EMIS collected) Collection Efficiency Highest in last 18 months; despite macro uncertainties 5#6Realigned distribution with focus on increasing business from South; reflected through increased disbursal contribution in Q3'22 7% 3% 11% Retail AUM (as on Dec'21) 0.2% 1% 15% 3% 3% 0.3% 22% 13% 11% Focus States Core markets for SHFL - Aim to become market leaders by going deep and wide in these geographies New Geographies Growing presence in top 3-5 locations in these markets Disbursals (zone-wise) FY'21 SHRIRAM HOUSING FINANCE Q3'22 2% 19% 8% 1% 3% 10% 6% 0.4% 15% 19% 4% 2% 3% 2% 0.3% 0.1% 26% 8% 10% 25% 11% 8% 7% Non Focus States We will sustain the business in 3% these states Q3 Disbursal AUM Portfolio New Book * FY'21 Branches Q3'22 % % Stage-3 % Stage 3 % West 42% 45% 66 88% 87% 0.91% 0.27% South 22% 30% 11 8% 7% 1.82% 0.51% North 34% 23% 8 4% 6% 10.28% 0.70% East 2% 2% * Cases sourced from Jan 1, 2019 onwards 9%#7• • • • Griha Poorti – Leveraging Shriram Distribution Network - SHRIRAM HOUSING FINANCE "Griha Poorti" is designed to cross sell SHFL Home Loans through the Shriram Group's vast distribution network Shriram Group is among the most dominant financial services players in APTG and enjoys a huge affinity among our customer segment Our leadership team in APTG has been with us since over a decade with deep understanding of local markets and gives us tremendous speed and execution capabilities Cost synergies on account of leveraging Shriram Group branch network are immense Excellent financial metric on our existing book in APTG points towards the opportunity to build our franchise within the affordable Home Loan segment with superior yield & healthy fee income while maintaining low delinquency Under the program, we originate home loans through the Griha Poorti branches where origination and fulfillment done exclusively by own employees Phase1 (July-Dec 2021) - Completed • Launched across 178 SCUF branches in APTG, making SHFL the most widely distributed Affordable Housing Finance Company in the state Phase 2 (Jan'22-Apr'22) • Plan to activate 40 Griha Poorti Touchpoints in Gujarat in Q4 FY22; leveraging on group network • Aim to achieve 1000 Cr AUM from project 'Griha Poorti' by FY'23 7#8Griha Poorti now contributes 11% of quarterly Home Loan originations SHRIRAM HOUSING FINANCE Contribution in Disbursals HL 2% 4% 6% 11% Retail 1% 3% 5% 7% Q4'21 Q1'22 Q2'22 Q3'22 Key Features: 100% Direct Sourcing (NIL cost of acquisition) Granular Portfolio (Focus on HL) All 178 distribution points activated Profitable Franchise (ROI: 13.2% | PF: 1.40%) Griha Poorti as a feeder for Branch distribution : 5 GP locations to be upgraded to Full branches in Q4 - Nizamabad, Mahbubnagar, Khammam, Kakinada and Cudappah#9Investing in our growth: building with a long term vision: Focus on south. Branch Network Expansion in South Most of the expansion happening in H2'22 SHRIRAM HOUSING FINANCE Griha Poorti: Expanding footprint in Gujarat now 218 Mar-21 Mar-22 P 21 9 Tamil Nadu 10 10 16 14 14 11 Karnataka AP-TG Sales Manpower Distribution - beefing up distribution in South Mar'21 Dec'21 152 246 314 225 376 ■South Rest of India Mar'22 P 544 42 14 110 178 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22P Activated all targeted 178 Griha Poorti locations in APTG. Expanding Griha Poorti to Gujarat - 40 locations to be activated by March Expansion of distribution network in TN and Karnataka kick- started Planned investment of ~15 Cr on account of above expansion in FY21-22; benefits to accrue in next financial year#10Digital footprint - SHFL Home Loans App Customer Name PRASHANT NARAYAN DERHANDE 19 17 Home Branch Locator Refer a friend Write to Us Apply Loan, Locate Branches, Calculators (EMI& eligibility RO Contact Us 1109 m EMI Calculator To clar Eligibility Calculator По сиво серому -75% Disbursal Request Total Undisbursed Amount 300000 Amount Requested by Builder Other Services Amount to be Disbursed Tranche Stage Of Construction Ready Intended Disbursement Date Disbursement request Upload Previous Buildor Payment Receipt Do You have Bulder Demand Letter NO Remarks Y A O О INCOME TAX CERTIFICATE FINANCIAL YEAR 2020-2021 Dovniced Download Interest PREVIOUS FINANCIAL YEAR STATEMENT FINANCIAL YEAR 2010 2000 Download FINANCIAL YEAR 2018-2019 Download FINANCIAL YEAR 2017-2018 Download Certificates update mobile No and email address Seamless Access SHFL Home Loans View Loan Service Payment Request SHRIRAM HOUSING FINANCE Mobile No based login for all accounts Hi, Shriram SHRIRAM HOUSING FINANCE Forgot Password 1 Set Culo PON Login using another d 10,000+ Download Custom Name View all loan account details Number sf Loans BALANCE TRANSFER ANNUNDE 58THUMB001945 2 PRASHANT NARAYAN DESHPANDE Status Fully Disund INMOUNT €1,88,000.00 NEW DETALS Status Fully Disbursed TOPUP LOAN GANNUMBER STUHM945 OWN MOUNT 74. VIEW DETALLS Tired of shifting house every year? ← EMI PAYMENT Pay EMI & charges PRASHANT +1070 Total Due 62,029.00 Payment Using o Huy AirPay Deon Car/NetBanking/Welld 3,900+ Active Users (90 days) 62029 IOS & Android PAY 10 10#11Highly scalable tech platform encompassing all aspects of loan lifecycle SHRIRAM HOUSING FINANCE Settlement & Product Management >> Marketing >> Sales and Distribution >> Loan Origination Loan Maintenance >> Collection Management >> Recovery Management Sales / LOS / LMS / Collections - Core Banking Solution Workflow Engine for Business Process Management Corporate Website Customer Relationship Management Mobile B2B App / Payment Aggregators Document Management System Customer Portal / B2C App With on tap + access + ☐ 11#12Strategic tie-ups to complement in-house capabilities at key points in disbursal process SHRIRAM HOUSING FINANCE Process Loan application 1 Eligibility check V 1 Eligibility check karza TECHNOLOGIES Video KYC tool >>>softcell 2 Novel Patterns Redefining fimits Bank Statement Analyzer Work Apps 1 V Document collection V Loan processing V Loan approval Disbursement V (2) Document collection NEWGEN 3 Loan management 4 Cash management 4 5 V Cash management V Customer service BBPS BHARAT BILL PAYMENT SYSTEM Document Mgmt. System 3 Bureau Integration Video PD tool NEWGEN Paperless Procesing Contactless & cashless collection (5) Customer service </> gupshup Smart messaging platform 12#13Business Highlights SHRIRAM HOUSING FINANCE#14AUM grew by 47% YoY on back of strong disbursements SHFL Buyout 1,005 595 24 366 Disbursement Trend Impact of 2nd wave of COVID 221 Values in Cr. 3,138 768 633 46 571 639 0 221 627 722 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 SHRIRAM HOUSING FINANCE Values in Cr. AUM Trend 47% 4,606 4,255 3,929 3,910 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Disbursals grew by 29% YoY from 595 Cr. to 768 Cr.; and 21% QoQ from 633 Cr. to 768 Cr.; Highest quarterly origination since inception 14#15Origination yields improved by 10 bps to 12.50%" in Q3'22 driven by increased contribution of Griha Poorti Disbursement Yield @ Origination * Product Mix @ Portfolio SHRIRAM HOUSING FINANCE 12.1% _ 12.0% 12.1% 12.1% 12.2% 4.0% 3.7% 3.3% 3.9% 4.3% 0.5% 5.1% 11.6% 13.2% 12.8% 12.8% 12.9% 28.9% 28.9% 27.5% 12.7% 35.0% 33.2% 27.8% 11.8% 11.9% 11.9% 12.1% Dec-20 6.0% 5.5% 5.3% 5.3% 6.4% 6.9% 62.4% 61.7% 62.8% 61.2% 54.4% 56.8% Dec-21 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 HL Top up LAP CF CL Mar-21 Jun-21 Sep-21 NHL -Sourcing Yield HL * Excl. Processing Fees # Including Processing Fees, the yield increases by ~30 bps 15#16SHRIRAM HOUSING FINANCE ATS of the Retail Portfolio remained stable Average Ticket Size (Retail Portfolio) * Ticket Range - Retail Portfolio (on count) Values in Lacs Over 100L 1% 50-100L 4% 15.7 15.6 15.4 15.7 16.0 35-50L 5% Retail Base 23,670 25-35L 9% 15-25L 19% Upto 15L 62% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 81% of total retail customers have ticket size below 25L; Retail customers contributed 99% of Live base as on Dec-21 * Excluding Mumbai & Delhi; ATS including Mumbai & Delhi is ~17.9L 16#17Portfolio Snapshot Disbursal Snapshot - Q3'22 Building a superior quality loan book with demonstrated ability to underwrite diverse set of customers Product CIBIL SHRIRAM HOUSING FINANCE Customer Category 11% 40% 60% Average 739 80% 17% 83% 9% 14% 33% 67% Average 733 21% 76% 79% 10% HL NHL New to credit <700 >700 ■Salaried Non-Salaried 1 17#18Watertight underwriting aids in keeping asset quality in check SHRIRAM HOUSING FINANCE Q Legal & Title search Field investigation reports Bureau Checks (CIBIL + CRIF) Technical valuation of property PD by credit manager Independent Verifications at 6 levels Hunter checks + RCU team Decentralized credit function with multiple control points Exhaustive Analytics in collaboration with Bureaus Comprehensive Quant checks +ableau Part of TransUnion CIBIL EQUIFAX :experian. HIGH CRIF MARK Together to the next level Business Intelligence & Decision enabler Credit Information Report (CIR) Credit Insights platform Hunter - fraud prevention tool Data scrub for deeper analysis Scoring Models Proprietary Risk Calculation Matrix Encompasses objective parameters like LTV, FOIR 7 schemes to establish suitability Customer classification into low, medium & high-risk buckets Teams are empowered at the branch level to take ownership for underwriting decisions, leading to faster TAT & high-quality portfolio 18#19Driven by new book, overall portfolio quality continues to improve Current SHRIRAM HOUSING FINANCE Amount in Cr. 11.12% 10.37% 8.24% 7.24% 7.29% 1+ DPD 349 285 406 351 336 7.05% 6.44% 5.29% 4.87% 4.21% 30+ DPD 221 191 252 225 194 2.04% 2.08% 1.67% 1.72% 1.49% 90+ DPD 64 Dec-20 66 81 73 69 Mar-21 Jun-21 Sep-21 Dec-21 Note: Based on Assets under Management#20Collection Efficiency continues to be high despite macro uncertainties. December was the best month in over 18 months. Collection Efficiency SHRIRAM HOUSING FINANCE Amount Restructured cases Count of EMIs due # of EMIS - Unique LANS 8.3% 101.9% 99.2% 0.9% 100.8% 99.7% 98.6% 0.4% 7.1% 0.3% 100.3% 0.2% 96.8% 0.2% 97.2% 0.0% 94.0% 99.9% 100.2% 1.8% 96.7% 96.8% 97.0% 96.7% 97.2% 99.4% 98.1% 95.5% 98.3% 99.5% 99.7% 99.5% 97.0% 97.5% 96.8% 98.0% 93.6% 93.7% 92.3% Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jun-21 Collection Efficiency Amount Count of EMIs due ■Restructured cases 99.8% 99.0% 0.8% 1.2% 99.6% 99.2% 0.4% 99.2% 0.3% 1.0% 99.4% 0.1% Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 # of EMIS - Unique LANS 98.9% 0.1% 98.7% 0.0% 97.7% 99.6% 99.7% 99.2% 99.3% 99.2% 99.3% 98.8% 99.1% 0.3% 98.7% 98.6% 98.7% 98.7% 98.9% 98.9% 98.8% 98.3% 98.6% 98.1% 97.8% 98.2% 97.4% Jun-21 Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 CE = Total amount collected (including OD EMI) / Total Billing for the month CE = Total # of EMIs collected (including OD EMI) / Total # of EMIs due for the month CE = Total # of EMIS collected / Total # of EMIs due for the month for each unique loan#21Gross Stage 1 & 2 ECL Provision Stage 1 & 2 Net Stage 1 & 2 ECL Provision % Stage 1 & 2 Gross Stage 3 (Regular) Gross Stage 3 (RBI Circular dated 12th Nov'21) Expected Credit Loss (ECL) Provision (Stage-wise) Classification of the Assets based on the ECL computation under Ind AS: Particulars (INR Crore) 31-Dec-21 30-Sep-21 3,794.3 SHRIRAM HOUSING FINANCE Values in Cr. 31-Dec-20 3,650.6 2,577.2 26.4 26.6 21.5 3,767.9 3,624.0 2,555.7 0.7% 0.7% 0.8% 66.9 71.3 63.4 29.2 Gross Stage 3 96.1 71.3 63.4 ECL Provision Stage 3 (Regular) 15.1 16.2 12.9 ECL Provision Stage 3 (RBI Circular dated 12th Nov'21) 4.2 Net Stage 3 76.8 55.1 50.5 Coverage Ratio % Stage 3 20.0% 22.7% 20.3% Gross Assets 3,890.4 3,721.9 2,640.6 Total Provision (Including Special COVID Provision) 54.2 49.8 Net Assets 3,836.2 3,672.1 Total Provision (including COVID Provision) / Gross Assets (%) 1.4% 1.3% 47.4 2,593.2 1.8% Provision Coverage Ratio (%) 56.4% 69.8% 74.8% Note: ECL Provision of 4.2 Cr INR made on loans classified as Stage-3 on account of RBI Circular against regular ECL requirement of 0.60 Cr#22Robust liability franchise while maintaining low cost of funds Diverse lender base Stable long-term funding * 4,092 Cr. DA 17.4% NCD 12.7% PTC 1.4% O 63.2% Debt Maturity Profile (INR Cr.) Term Loans from <3 months 303 Banks 3-6 months 315 7-12 months 397 1-3 years 1,986 3-5 years 219 NHB 5.4% 23 reputed Banks & Fls >5 years 103 Consistent Decline in Cost of Funds Cost of Funds (%) * Excludes Securitization (DA & PTC) 9.50% 9.30% 9.13% 9.11% 8.95% 8.59% 8.41% 8.23% Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 SHRIRAM HOUSING FINANCE Augmented by high credit ratings CRISIL An S&P Global Company AA (CWP#) India Ratings & Research A Fitch Group Company AA (Positive) ARE Ratings Professional Risk Opinion # Credit Watch Positive Debt raise trend Low marginal cost of funds 851 719 Raised INR 647 Cr. at 6.84% during Q3'22 AA (CWP#) Amount in INR Cr. 647 397 172 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21#23Direct Assignment used rationally as a Long-term, Stable and Diversified funding tool SHRIRAM HOUSING FINANCE FY'19-20: 294 Cr. 118 176 FY'20-21: 304 Cr. 83 177 9M'22: 311 Cr. 52 45 37 222 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Improved portfolio quality coupled with high collection efficiency leads to good demand for our HL and LAP Portfolio ➤ Plan to maintain 15-20% of the total AUM as off-book#24Comfortably placed asset liability profile in all maturity buckets SHRIRAM HOUSING FINANCE Values in Cr. Months 1-30 days 1-3 M 3-6 M 6-12 M 1-3 yrs 3-5 yrs > 5 yrs Total Total Inflow 109 378 339 549 1,534 788 942 4,639 Total Outflow 54 294 329 410 1,532 665 1,355 4,639 Cumulative Outflow 54 348 677 1,087 2,619 3,285 4,639 Mismatch 55 84 10 139 2 122 -412 Mismatch (%) 102.5% 24.2% 1.5% 12.8% 0.1% 3.7% -8.9% Cumulative Mismatch 55 139 149 289 290 412 0 Cumulative Mismatch (%) 102.5% 40.1% 22.1% 26.6% 11.1% 12.6% 0.0% ✓ The Company follows Behavioral maturity pattern for preparation of ALM ✓ The Company is comfortably placed and gaps/mismatch are within Board approved ALM policy as per the above time buckets ✓ There is no Cumulative Mismatch in any of the buckets ✓ For preparation of ALM report runoff % of 2.50% has been taken for bucketing of advances#25Healthy financial performance with steady growth in profits SHRIRAM HOUSING FINANCE Values in Cr. (In Rs Crs.) Q-o-Q Comparison Y-o-Y Comparison Y-o-Y Comparison Q3'22 9m YTD'22 Financials Q2'22 A QOQ Q3'21 ΔΥΟΥ 9m YTD'21 ΔΥΟΥ Loan Book 3890 3722 4.5% 2641 47.3% 3890 2641 47.3% Disbursals 768 633 21.4% 595 29.0% 1622 1190 36.3% Total Income 157.8 129.6 21.8% 130.2 21.2% 404.0 315.0 28.3% Interest Income 108.1 103.8 4.1% 77.2 40.2% 308.1 218.6 40.9% Net gain on Assignment 27.7 6.6 nm 40.7 (32.0)% 42.3 64.9 (34.8)% Other Income 21.9 19.2 14.5% 12.3 78.8% 53.7 31.5 70.2% Interest Expense 70.3 70.1 0.2% 53.4 31.7% 210.3 147.4 42.7% NIM 87.5 59.5 47.2% 76.8 13.9% 193.7 167.6 15.6% Operating Cost 43.0* * 35.8 20.2% 29.8 44.1% 109.3 79.8 36.9% - Personnel Costs 22.3 19.3 15.2% 16.2 37.6% 60.7 46.7 30.0% - Other Costs 20.7 16.4 26.1% 13.7 51.7% 48.6 33.1 46.7% Profit before provisions & tax 44.5 23.7 87.8% 46.9 (5.2)% 84.4 87.8 (3.8)% Provisions & write-offs 6.1 -1.8 nm 13.5 (54.5)% 5.7 17.8 (68.0)% PBT 38.4 25.5 50.8% 33.5 14.6% 78.8 70.0 12.5% Taxes 9.8 6.7 46.5% 9.2 6.4% 20.5 21.8 (6.1)% PAT 28.6 18.8 52.3% 24.3 17.7% 58.3 48.2 20.9% * Expenses include ~4.5 Cr investment in Grihapoorti (~2.5 Cr in Q2'22), benefits to accrue in the coming quarters Note: As per IND-AS#26Focus on delivering sustainable returns by optimizing operational efficiencies Yield on Assets Interest Expenses 20.4% 12.0% 16.4% 6.4% 15.2% 1.2% 13.7% 0.9% 14.4% 0.7% 2.9% 14.8% 1.5% 8.3% 8.1% 8.2% 7.8% 7.3% 7.7% 14.0% 13.9% 12.8% 13.7% 13.6% 13.2% Dec-20 Mar-21 Jun-21 Sep-21 Dec-2119M'22 Operating Income Gain on assignment III NIM SHRIRAM HOUSING FINANCE 9.1% 7.0% 6.6% 7.1% 5.5% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 19M'22 Dec-20 Mar-21 Jun-21 Sep-21 Dec-2119M'22 Total Income Operating Expenses ROA 3.8% 4.7% 4.8% 4.5% 4.0% I 4.0% 3.6% 0.5% I 0.3% 0.3% 3.0% 2.1% 2.1% 1.9% 1.3% 3.7% 4.0% 3.7% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 | 9M'22 Investment in Griha Poorti ~4.5 Cr in Q3'22 (~2.5 Cr. in Q2'22) Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 | 9M'22 Note: All numbers are calculated as % of Avg. Loan book, ROE as % of Avg. Net-worth 17.5% ROE 11.7% 10.1% 9.4% 8.8% 6.4% Dec-20 Mar-21 Jun-21 Sep-21 Dec-219M'22 A#27Significant improvement in Bounce % from Jan-21 onwards SHRIRAM HOUSING FINANCE 18.4% 17.6% 17.5% 17.4% 16.9% 14.2% 13.9% 14.1% 14.3% 13.8% 16.5% 13.1% 12.3% 12.6% 10.6% 10.6% 10.8% 9.8% 10.0% 10.4% 10.8% 9.8% 13.5% 13.3% 10.2% 9.8% Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jan-22 Note: Current Bucket bounces -Portfolio --Cases sourced from Jan-19 onwards Witnessed lowest Portfolio bounce of 13.3% in Jan-22 over last 13 months; down by 24% YoY Increase in Nov-21 was due to continuous holiday (amid Diwali) and presentation day being Sunday#28Significantly low $ 90+ DPD DPD on the on the loans sourced since Jan-19 SHRIRAM HOUSING FINANCE Period Disb. AUM 3M 6M 9M 12M 15M 30M Q1'13 16 1 - - - 1.8% 3.6% Q2'13 23 2 - - - 0.6% 3.7% 0.5% Q3'13 30 2 - - - 0.4% 2.2% 3.2% Q4'13 45 3 - - 0.4% 0.6% 1.7% Q1'14 40 4 - - 0.4% 1.5% 2.4% 2.4% Q2'14 55 6 - 0.2% 2.7% 2.8% 3.6% 5.5% 5.5% 5.9% 18M 21M 24M 27M 4.7% 4.7% 5.5% 4.7% 7.0% 6.8% 7.4% 8.4% 3.9% 5.2% 5.5% 5.3% 5.8% 6.1% 5.3% 7.1% 4.0% 6.1% 5.1% 5.5% 5.8% 5.2% 4.9% 4.7% 3.6% 4.0% 3.0% 2.9% 2.9% 2.5% 2.9% 3.3% 4.2% 3.4% 3.8% 5.3% 33M 2.6% 2.7% 3.3% 3.8% 5.2% 4.2% 6.4% 5.5% Q3'14 69 7 - - - 1.3% 2.9% 3.1% 4.7% 4.4% 5.1% 5.5% 6.3% 5.7% 7.2% Q4'14 73 10 - - Q1'15 77 9 - Q2'15 119 13 - Q3'15 125 17 - Q4'15 181 24 - Q1'16 185 18 - Q2'16 170 26 - Q3'16 165 31 - - Q4'16 273 45 - 0.1% Q1'17 321 46 Q2'17 Q3'17 ཁབ 332 51 - - 184 35 - - Q4'17 128 27 - - Q1'18 137 Q2'18 121 40 41 - - 0.2% Q3'18 165 62 - - - Q4'18 336 99 - 0.1% Q1'19 233 Q2'19 91 - 249 109 - - 0.1% 0.5% 1.0% 1.2% 0.0% 0.2% 0.9% 1.2% 1.1% 0.6% 0.6% 0.7% 0.1% Q3'19 11 2 - - - 2.4% - Q4'19 265 129 - - - 0.0% Q1'20 243 98 123 - - Q2'20 Q3'20 386 48 - - - - - - 223 - - - - Q4'20 400 239 - - 0.3% 0.4% 0.3% 0.3% 0.3% 0.4% 0.4% 0.4% 0.4% 3.0% 0.9% 0.6% 0.9% 5.1% 4.9% 3.1% 1.9% 2.2% 2.0% 1.7% 1.7% 1.3% 3.3% 4.5% 1.6% 1.2% 2.2% 2.2% 2.2% 2.2% 2.3% 1.9% 5.5% 2.7% 1.2% 1.9% 1.3% 1.1% 1.9% 0.2% 6.3% 1.7% 2.2% 2.0% 1.8% 1.8% 1.9% 1.7% 0.5% 0.6% 2.1% 2.2% 1.7% 1.7% 1.5% 1.8% 1.7% 0.9% 1.1% 1.1% 0.3% 2.6% 2.7% 3.9% 4.3% 5.6% 5.4% 7.9% 7.0% 6.6% 4.1% 3.9% 2.5% 2.5% 1.9% 1.9% 2.0% 0.6% 0.5% 0.7% 0.8% 0.9% 1.5% 2.4% 3.2% 4.2% 4.1% 6.5% 6.1% 6.4% 2.2% 2.9% 1.8% 2.2% 1.5% 2.2% 2.7% 1.1% 0.5% 1.1% 1.7% 2.2% 0.3% 0.6% 1.3% 1.8% 3.7% 3.9% 6.5% 5.4% 7.3% 2.3% 3.0% 2.7% 2.7% 1.9% 1.8% 1.7% 0.5% 0.5% 0.9% 0.6% 0.9% 0.8% 0.8% 0.9% 0.5% 0.3% 1.7% 1.9% 3.3% 4.0% 7.1% 5.9% 6.3% 1.8% 2.6% 2.2% 2.2% 2.0% 2.1% 2.5% 0.8% 0.7% 1.1% 1.2% 1.1% 1.3% 1.3% 1.3% 1.0% 1.1% 1.2% 1.2% 1.0% 0.1% 1.9% 2.1% 3.9% 4.0% 8.5% 1.8% 2.8% 3.0% 2.6% 2.6% 2.6% 2.1% 0.6% 0.6% 0.4% 0.4% 0.4% 0.3% 0.3% 0.4% 0.4% 0.6% 0.7% 0.7% 0.7% 0.1% 0.2% 1.8% 2.3% 3.7% 2.1% 2.9% 3.5% 2.7% 3.4% 2.7% 3.2% 0.9% 1.2% 1.0% 1.0% 1.2% 0.6% 0.6% 0.6% 0.4% 0.4% 0.6% 0.6% 0.5% 0.4% 3.1% 3.3% 6.2% 3.7% 5.3% 5.2% 6.0% 6.0% 6.7% 5.6% 2.5% 2.3% 2.1% 1.8% 2.0% 2.0% 2.1% 2.1% 2.3% 2.4% 2.7% 2.3% 1.1% 0.4% 2.3% 5.0% 2.1% 3.8% 3.6% 3.0% 3.2% 3.5% 2.6% 0.4% 0.6% 0.7% 0.9% 1.2% 1.3% 1.3% 2.2% 1.8% 2.4% 2.6% 2.8% 0.8% 1.9% 3.0% 5.7% 5.7% 6.8% 4.4% 5.3% 4.3% 1.5% 0.6% 1.0% 0.6% 0.6% 0.4% 0.4% 0.6% 1.5% 1.6% 2.0% 1.5% 1.5% 0.6% 1.1% 2.3% 2.7% 4.7% 4.3% 5.3% 4.9% 2.8% 2.7% 2.7% 2.9% 3.2% 3.2% 3.2% 3.2% 3.7% 3.6% 4.0% 3.6% 3.6% 0.9% 3.2% 3.0% 4.3% 5.2% 6.3% 7.8% 4.6% 2.7% 2.2% 2.4% 2.4% 2.2% 2.1% 2.2% 1.9% 2.4% 1.8% 2.0% 1.7% 1.0% 1.9% 2.4% 3.1% 5.2% 3.0% 1.3% 1.0% 0.8% 1.3% 1.4% 0.9% 0.9% 1.1% 1.6% 1.4% 1.7% 1.1% 1.2% 0.7% 1.8% 1.5% 3.8% 3.7% 0.3% 2.7% 3.2% 1.0% 1.0% 0.8% 0.8% 1.0% 1.1% 1.5% 1.0% 1.2% 0.9% 0.5% 1.3% 1.0% 1.6% 2.4% 2.1% 1.8% 1.5% 1.2% 1.2% 1.3% 2.0% 2.0% 2.5% 2.2% 1.8% 0.2% 1.6% 0.5% 1.2% 1.7% 1.8% 2.0% 2.3% 2.3% 2.4% 1.5% 2.0% 2.3% 1.9% 1.9% 0.4% 0.9% 1.0% 1.7% 1.2% 1.3% 1.1% 1.6% 4.3% 4.2% 4.9% 2.6% 2.6% 0.2% 0.6% 0.5% 0.9% 1.0% 1.0% 1.0% 0.9% 1.2% 1.5% 2.0% 1.5% 1.5% 0.9% 0.7% 1.8% 1.6% 1.5% 1.2% 1.4% 1.7% 1.8% 1.8% 2.1% 1.5% 1.4% 1.5% 1.5% 0.4% 0.6% 0.5% 0.5% 0.1% 0.3% 0.4% 0.1% 0.3% 0.3% 36M 39M 42M 45M 48M 51M 54M 57M 60M 63M 66M 69M 72M 75M 78M 81M 84M 7.3% 6.7% 9.1% 8.5% 7.3% 6.1% 5.6% 5.4% 2.4% 5.3% 87M 90M 93M 96M 99M 0.4% 0.3% - - 0.6% 0.5% 0.5% 0.8% 0.5% 0.5% 0.5% 0.5% 0.4% 0.2% 0.4% 0.4% 0.2% 0.3% 0.4% 0.4% 0.7% 0.7% 0.9% 0.5% 0.6% 0.6% 0.5% 0.6% 0.6% 0.2% 0.4% 0.6% 0.9% 0.9% 0.9% 1.0% 0.1% 0.1% 0.1% 0.1% 0.1% 1.0% 0.9% 0.9% 1.0% 1.1% 1.3% 1.7% 1.4% 1.3% 2.0% 2.1% 2.4% 1.9% 1.0% 1.4% 1.0% 0.8% 0.4% 0.5% 0.5% 0.5% - 0.1% 0.3% 0.3% 0.3% 0.3% 0.3% 1.3% 1.4% 1.3% 1.4% 1.4% 1.4% 0.1% 0.2% 0.2% 0.3% 0.2% 0.3% 102M 105M 108M 111M 114M 117M 0.3% 2.0% 0.3% 1.0% 1.1% 0.1% 0.9% 0.1% 0.7% 0.9% 0.9% 0.7% 0.7% 2.2% Lowest Highest Q1'21 77 49 0.0% 0.0% 0.7% 1.8% 1.2% Q2'21 517 Q3'21 595 Q4'21 1,005 365 427 - - 805 - - Q1'22 221 Q2'22 633 Q3'22 768 178 520 681 0.0% 0.2% - 0.0% 0.0% 0.2% 0.2% - 0.4% 0.5% 0.1% 82% of AUM has 90+ DPD of 0.28% - -- Total 9,077 4,606 Robust credit underwriting and focused collection strategy helped taming overall 90+ DPD % by 120 bps; from 2.7% in Dec-19 to 1.5% in Dec-21 A#29Disclaimer For any further information, please contact G.S. Agarwal CFO, Shriram Housing Finance Ltd. [email protected] SHRIR M HOUSING FINANCE This presentation is for information purposes only and does not constitute an offer, solicitation or advertisement with respect to the purchase or sale of any security of 'Shriram Housing Finance Limited' (the "Company") and no part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This presentation is not a complete description of the Company. Certain statements in the presentation contain words or phrases that are forward looking statements. All forward-looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant forward looking statement. Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation, and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. The information in this presentation is subject to change without notice, its accuracy is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Company. We do not have any obligation to, and do not intend to, update or otherwise revise any statements reflecting circumstances arising after the date of this presentation or to reflect the occurrence of underlying events, even if the underlying assumptions do not come to fruition. All information contained in this presentation has been prepared solely by the Company. No information contained herein has been independently verified by anyone else. No representation or warranty (express or implied) of any nature is made nor is any responsibility or liability of any kind accepted with respect to the truthfulness, completeness or accuracy of any information, projection, representation or warranty (expressed or implied) or omissions in this presentation. Neither the Company nor anyone else accepts any liability whatsoever for any loss, howsoever, arising from any use or reliance on this presentation or its contents or otherwise arising in connection therewith. This presentation may not be used, reproduced, copied, distributed, shared, or disseminated in any other manner. The distribution of this document in certain jurisdictions may be restricted by law and persons into whose possession this presentation comes should inform themselves about, and observe, any such restrictions.