Investor Presentaiton

Process Excellence: Credit & Underwriting Evaluation of Profile and Property Risk • Collecting KYCS -Aadhar, PAN, Credit history checks with bureaus. Assessment of LTV, FOIR • Assessment of employment / business stability • Banking Flows, establishing surrogates • RCU/FI checks Assessment of Total Income (Individual & Household) • Verification of assets wherever applicable • Detailed cash flow assessment done . Legal & Technical checks • including income inflows and cost of running household/business Personal discussion with applicant and family member • Verification of assets wherever applicable Arriving at disposable income CREDIT & UNDERWRITING Evolving Underwriting Processes Building self learnings in the credit programs ✓ INDOSTAR Excluded from Portfolio ✓ Builder under Construction Plot + Construction • Continuous improvement in the underwriting process to factor in profile risk and property risk • Introducing centralized underwriting ✓ Balance Transfer + Top up . Property score card development under process 36

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