Investor Presentaiton

Credit Rating remains Strong Key Rating Drivers Demonstrated support from majority shareholders, Brookfield & Everstone Strong capitalisation with healthy net worth base Increased granularity of loan book owing to retail focus, albeit low seasoning Continued strong performance of housing finance subsidiary Strong Credit Ratings Borrowing Type Rating Firm Ratings CRISIL AA (-) Term Loans CARE A+ CRISIL AA (-) Redeemable NCDs CARE A+ CPS CRISIL / CARE A1 (+) INDOSTAR Note: CARE ratings outlook have been changed to "Stable" from "under watch with Negative Implications". Long term rating by CARE is applicable only for IndoStar Capital Finance Limited. CRISIL while re-affirming the AA- Credit Rating, has modified the Outlook from "Rating Watch with Negative Implications" to AA-/Negative. CRISIL rated long-term rating at AA-/Negative and short-term rating at A1+ on 28th July 2023 (Rating watch with negative implications removed). ⚫ CARE re-affirmed long-term rating to A+, short term rating re-affirmed at A1+ on 1st April 2023 24 14

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