Investor Presentaiton

Associates and Subsidiaries HDFC CREDILA . HDFC holds 100% in HDFC Credila • • HDFC HDFC Credila is a non-banking finance company and was the first Indian lender to exclusively focus on education loans The company lends to under-graduate and post-graduate students studying in India or abroad As at September 30, 2021 - Profit After Tax (as per Ind AS): Rs. 941 mn - 28% growth Cumulative loans disbursed: Rs. 144 bn Loan book outstanding as at September 30, 2021: Rs. 77 bn • 38% of the loan book is collateralised Gross non-performing assets: 0.19% 41

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