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Investor Presentaiton

• • • • Griha Poorti – Leveraging Shriram Distribution Network - SHRIRAM HOUSING FINANCE "Griha Poorti" is designed to cross sell SHFL Home Loans through the Shriram Group's vast distribution network Shriram Group is among the most dominant financial services players in APTG and enjoys a huge affinity among our customer segment Our leadership team in APTG has been with us since over a decade with deep understanding of local markets and gives us tremendous speed and execution capabilities Cost synergies on account of leveraging Shriram Group branch network are immense Excellent financial metric on our existing book in APTG points towards the opportunity to build our franchise within the affordable Home Loan segment with superior yield & healthy fee income while maintaining low delinquency Under the program, we originate home loans through the Griha Poorti branches where origination and fulfillment done exclusively by own employees Phase1 (July-Dec 2021) - Completed • Launched across 178 SCUF branches in APTG, making SHFL the most widely distributed Affordable Housing Finance Company in the state Phase 2 (Jan'22-Apr'22) • Plan to activate 40 Griha Poorti Touchpoints in Gujarat in Q4 FY22; leveraging on group network • Aim to achieve 1000 Cr AUM from project 'Griha Poorti' by FY'23 7
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