Investor Presentaiton

• • e Home Loans: Indiabulls Integrated Home Loan Technology Platform Integrated Home Loan Technology Platform Social Media Integration Access to Source Data Indiabulls HOUSING FINANCE Customers Analytics Developers and DSAs Fee Generation 80 One app for all needs Automated underwriting Product personalisation Real-time access to GST, Bank Statements, tax info Shorter working capital cycles Cross-sell: Insurance, MFs Increased customer engagement and touch-points Collapse developer working capital cycle Enhanced DSA productivity and earning opportunities Operational Outcomes Customer delight: Reduced TAT. Round-the-clock access Enhanced productivity and operating efficiencies Proportion of self-employed segment maintained Manifold Operational Leverage Efficiency and Productivity Cost Reduction Seamless sourcing process. Low customer drop-out Time spent on travel vastly reduced Manual data entry eliminated saving 5 man-hours per file Credit can focus on appraisal and not data capture Save in manpower from automation of effort-intensive steps Vastly increased productivity of existing resources • Lower dependency on physical branches. Fewer needed. • Reduction in stationery, printing and document storage expenses Brand Recall and Reach Branchless reach to tier III and IV locations Unparalleled touch-of-button customer convenience Quick turnaround before competition has begun process Videos and multimedia tutorials and loan information Risk Management Reduction in operational risk from lesser human involvement Reduction in fraud risk: - Customer data validated from Aadhar and NSEDL Direct contact with IBH, no intermediaries Improved data quality and reduced human error Improved credit quality from focus on underwriting Risk of misplacing documents reduced 11

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