Investor Presentaiton

Mortgage Market in India ● . OTHER DEMAND DRIVERS HDFC 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 50% by 2030 . Interest Rates: Improved affordability through rising disposable incomes and lowest ever interest rates on home loans 13

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