HDFC Q3 FY22 Financial Highlights

TAX INCENTIVES HAVE LOWERED THE EFFECTIVE RATES ON MORTGAGES HDFC WITH YOU, RIGHT THROUGH FY 2021 FY 2002 FY 2000 Loan amount 3,230,000 3,230,000 3,230,000 Nominal Interest Rate (%) 6.70% 10.75% 13.25% Max deduction for interest allowed 200,000 150,000 75,000 Deduction on principal 150,000 20,000 20,000 Tax rate 30.90% 31.50% 34.50% Tenor (years) 20 20 20 Total amount paid per year 366,410 359,400 421,068 Interest component 216,410 347,225 427,975 Principal repaid 150,000 12,175 (6,907) Tax amount saved 108,150 53,550 32,775 Effective interest paid on home loan 108,260 293,675 395,200 Effective interest on home loan 3.4% 9.1% 12.2% 13

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