Investor Presentaiton

Distribution Strategy 0-4 4-7 7-15 Contribution to India's GDP FY'22 (%) Existing branches - 101 New branch locations - 47 Digital branches - 101 Pan India Distribution driven by strategic market selection & contiguous expansion 101 112 13 249 Geographic Expansion Branches Districts States/UT Touchpoints States/Territories Number of Percentage of gross loan assets as on Branches Districts Q2FY23 Q2FY22 FY22 FY21 Gujarat Maharashtra 22 19 Business commenced in 8 new physical branches Tamil Nadu Telangana 21 8 Andhra Pradesh 8 2 + 2 = ∞0 22 34.0% 37.5% 36.0% 38.2% 17 15.2% 17.7% 16.1% 19.2% 22 13.1% 11.8% 12.2% 11.1% 11 8.3% 6.3% 7.5% 5.5% 8 3.9% 2.5% 3.2% 1.9% Increased presence in 10 new districts Karnataka 6 6. 7.7% 8.7% 8.1% 9.1% Rajasthan 7 6 5.9% 5.5% 5.7% 5.5% Madhya Pradesh 5 6 5.0% 4.6% 4.9% 4.4% Uttar Pradesh & 2 8 4.4% 3.3% 3.9% 2.9% Uttarakhand Chhattisgarh 2 Haryana & NCR 1 +2 4 1.7% 1.2% 1.5% 1.2% 0.8% 0.9% 0.9% 1.0% Total 101 112 100.0% 100.0% 100.0% 100.0% States/UT include states/UT from where we source loans irrespective of physical presence of a branch in those states/UT Note: Source for Contribution of states to India's GDP: NSO, MOSPI Disclaimer :Map not to scale. All data, information and maps are provided "as is" without warranty or any representation of accuracy, timeliness or completeness 11 Investor Presentation - Q2 FY23 homefirst We'll take you home

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