Investor Presentation - Q1 FY23

Healthy Leading Indicators Collection Efficiency (1) Unique Customers (2) Collection Efficiency Collection efficiency trending back to normal levels 99.4% 99.4% 97.8% 98.5% 97.6% 97.2% 98.0% 97.9% 99.1% 97.4% 98.0% 96.3% 96.3% 96.4% 96.0% 96.9% %96.6% 96.9% 97.2% 96.9% 94.7% 94.3% 94.0% 93.3% 95.0% 95.5% 98.2%97.2% 98.4% 97.1% Apr-21 May-21 Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Note: (1) Collection Efficiency =Total # of EMIs received in the month (including arrears of previous months) / Total # of loan accounts whose EMIs are due in the month (2) Unique customers =# of customers who made at least one payment in the month / Total # of Customers whose EMIs' are due in the month Investor Presentation - Q1 FY23 28 home first We'll take you home

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