Investor Presentation - Q1 FY23

Data Science Backed Centralised Underwriting Risk Management Design Tech-Led Centralised 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 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 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 48hrs 90% For Q1FY23 11% 89% Q1FY23 Investor Presentation - Q1 FY23 - 26% Low Under Construction Risk 36% 17% LTV on Origination EMI Pre-EMI 37% Q1FY23 56.6% ■Less than 50% 50-80% Above 80% 47% 37% 13 Q1FY23 46.8% Low effective LTV on book ■Less than 50% 50-80% ■Above 80% homefirst We'll take you home

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