Q1FY23 Financial Results

HDFC WITH YOU, RIGHT THROUGH OTHER DEMAND DRIVERS • Favourable Demographics: 66% of India's population is below 35 years of age, hence large potential for home loans • Nuclear Households: Rise in the number of households with a shift towards nuclear families • Urbanisation: Currently 32% of the Indian population reside in cities; estimated to be 40% by 2030 Interest Rates: Improved affordability through rising disposable incomes and relatively low interest rates on home loans 17

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