Investor Presentation - Q4 FY22

89% 11%- Data Science backed centralized underwriting Risk Management Design Salaried customers Build detailed understanding of customer via field visits by RM In-depth understanding of operating geographies and property types Low under construction exposure and low LTV Tech-Led 100+ data points & digitally captured data for all customers 。 API integration with third party independent sources like Hunter, Perfios etc. All customer and internal communication, documents, photographs, videos available on a single cloud based system Centralised Consistency in underwriting Integrated CRM and Loan Management System on cloud based platform Proprietary Machine learning & Customer scoring models used for credit decision Loans approved within 48 hrs 92% For Q4 FY22 Low Under Construction Risk Q4FY22 ■EMI ■ Pre-EMI 38% 25% 17% LTV on Origination Q4FY22 57.2% 37% ■ <50% ■50-80% ■80%+ 48% 35% Low effective LTV on book ■ <50% Q4FY22 46.9% ■50-80% Note: "EMI❞ are loans where the construction is completed hence loan is fully disbursed and EMI on loan is being collected. "Pre-EMI" are loans where property is under construction hence loans are partially disbursed accordingly only interest is being collected from the customer. EMI collection will start once full disbursements happen. Investor Presentation - Q4 FY22 14 ■80%+ homefirst We'll take you home

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