Investor Presentaiton

Our Unique Value Proposition to Our Customers Who are our customers What do our customers need What challenges do they face Salaried and self-employed individuals 75%+ Customers with annual household income level less than 0.6 mn comprising 72% of AUM First time home buyers 30% customers are new to credit contributing to 23% of AUM Home loan requirement primarily in the 0.5-1.5 mn range Access to formal housing finance (1) Minimal disruption to daily work routine Inability to meet documentation requirements of traditional lenders Time consuming loan sanction process Dealing with middle men NPS 82 For Q2FY23 Our Value Proposition Access Understanding customer's needs via well educated & trained RMs Right-size the loan through a holistic evaluation of all formal/informal sources of income Alternative documents (Life insurance policies, property deeds etc.) used for evaluation Speed 48 Hr Turn Around Time for Approval Centralised & consistent underwriting Mobility solutions for our customers, employees and sales channels for quick and efficient processes and service Note: Data for the period Q2FY23 (1) -63% loans with Average ticket size between INR 0.5-1.5mn as of Q2FY23 Investor Presentation - Q2 FY23 10 10 Transparency Mandatory counselling sessions for customers on loan and insurance terms Digital access to loan documents for the customer No prepayment charges and easy prepayment options Service Home visits coupled with paperless process to ensure minimal disruption to daily customer routine Dedicated Service Manager for every customer Customer app for easy access to loan statements, prepayments and raising service requests homefirst We'll take you home

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