Investor Presentaiton

Collection Efficiency Particulars (crs) Jul-22 INDOSTAR EMI Billing EMI collected 226 191 Overdue/Prepayments collections 118 Collection efficiency Total Collection % 309 136.7% Aug-22 205 178 88 267 130.3% Sep-22 214 186 108 294 137.5% Oct-22 203 172 79 251 123.5% Nov-22 222 172 165 337 151.8% Dec-22 260 219 130 349 134.1% Jan-23 221 180 117 297 134.3% Feb-23 269 178 102 280 104.1% Mar-23 239 195 147 342 142.9% Apr-23 237 175 207 383 161.5% May-23 242 185 149 334 138.1% Jun-23 270 205 118 323 119.4% Q1FY23 725 605 708 1,312 181.0% Q2FY23 645 556 314 870 134.9% Q3FY23 685 563 374 937 136.7% Q4FY23 729 553 365 918 126.0% FY23 2,784 2,276 1,762 4,038 145.0% Q1FY24 749 565 475 1,040 138.8% EMI collection efficiency in Q1FY24 for Commercial Vehicle loan portfolio is 90% and Housing Finance loan portfolio is 94 % Collection Efficiency = Total Collection/EMI Billing 21

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