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Investor Presentaiton

Scalable Retail-focussed Asset-Light Business Model Indiabulls HOUSING FINANCE • . . With co-lending partnerships in place, retail disbursal growth has gained momentum in FY22 The Company disbursed retail loans of 325 Cr through co-lending in the month of Sep-21. This will scale up to 500 Cr of monthly disbursals by Dec-21 and 800 Cr of monthly disbursals by Mar-22 IBH has co-lending agreements with: - HDFC Ltd., Central Bank of India, Yes Bank, Punjab & Sind Bank & Indian Bank for home loans RBL Bank, Central Bank of India, Canara Bank and Punjab & Sind Bank for secured MSME loans Co-Lending partnerships will enable IBH to cater to a wide gamut of customers across geographies, ticket-size and yield spectrum Company will continue with its strategy of letting high-ticket Commercial Real Estate [CRE] loans and Business loans run off/ re-finance 10
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