Investor Presentaiton

Watertight underwriting aids in keeping asset quality in check SHRIRAM HOUSING FINANCE Q Legal & Title search Field investigation reports Bureau Checks (CIBIL + CRIF) Technical valuation of property PD by credit manager Independent Verifications at 6 levels Hunter checks + RCU team Decentralized credit function with multiple control points Exhaustive Analytics in collaboration with Bureaus Comprehensive Quant checks +ableau Part of TransUnion CIBIL EQUIFAX :experian. HIGH CRIF MARK Together to the next level Business Intelligence & Decision enabler Credit Information Report (CIR) Credit Insights platform Hunter - fraud prevention tool Data scrub for deeper analysis Scoring Models Proprietary Risk Calculation Matrix Encompasses objective parameters like LTV, FOIR 7 schemes to establish suitability Customer classification into low, medium & high-risk buckets Teams are empowered at the branch level to take ownership for underwriting decisions, leading to faster TAT & high-quality portfolio 18

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