Investor Presentaiton

Maintaining Spreads · Cost of Funds (COF) maintained at 8.8% despite rising interest rate market • Marginal Cost of Funds for 9MFY24 is at 8.6% • In Q3FY24, variable rate loans were repriced upwards by 25bps Yield on AUM | Yield and COF is position as the end of relevant period/year. IndiaShelter Home Loans - Yield ~ COF Spread 14.8% 14.7% 14.8% 8.8% 8.8% 8.5% 6.3% 5.9% 6.0% Dec'22 Sep'23 Dec'23 18

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