Q1FY23 Financial Results

TAX INCENTIVES HAVE LOWERED THE EFFECTIVE RATES ON MORTGAGES Loan amount HDFC WITH YOU, RIGHT THROUGH FY 2023 FY 2002 FY 2000 3,570,000 3,570,000 3,570,000 Nominal Interest Rate (%) 7.55% 10.75% 13.25% Max deduction for interest allowed 200,000 150,000 75,000 Deduction on principal 150,000 20,000 20,000 Tax rate 34.32% 31.50% 34.50% Tenor (years) 20 20 20 Total amount paid per year 419,535 434,928 509,556 Interest component 269,535 383,775 473,025 Principal repaid 150,000 51,153 36,531 Tax amount saved 120,120 53,550 32,775 Effective interest paid on home loan 149,415 330,225 440,250 Effective interest on home loan 4.2% 9.3% 12.3% 16

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