Investor Presentaiton

Competitive Spreads Portfolio Yield COB Spread Last 5 Years Net Interest Spread Movement Last 5 Quarters Business Updates Repricing schedule 25bps w.e.f 1st Jul'22 50bps w.e.f 1st Dec'22 50bps w.e.f 1st Apr 23 13.7% 13.4% 12.9% 13.0% 13.1% 12.8% 12.7% 13.0% 13.1% 12.3% Competitive Cost of Borrowing 8.8% 8.4% 8.0% 7.9% 8.0% 7.2% 7.4% 7.4% 6.9% 7.1% FY19 FY20 FY21 FY22 FY23 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 5.8% 5.8% 5.7% 5.5% 5.7% Origination yield for Q1FY24 stood at 13.6% * 5.6% 5.7% 5.0% 4.1% 3.9% FY19 FY20 FY21 FY22 FY23 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 * Loans originated for Co-Lending are excluded while computing Incremental Yield for Q1FY24 Home First Finance Company India Ltd. Investor Presentation - Q1 FY24 Marginal COB for Q1FY24 Overall: 7.6% Ex NHB: 8.8% 27 27

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