HDFC Business and ESG Overview

TAX INCENTIVES HAVE LOWERED THE EFFECTIVE RATES ON MORTGAGES HDFC WITH YOU, RIGHT THROUGH FY 2022 FY 2002 FY 2000 Loan amount 3,300,000 3,300,000 3,300,000 Nominal Interest Rate (%) 6.70% 10.75% 13.25% Max deduction for interest allowed 200,000 150,000 75,000 Deduction on principal 150,000 20,000 20,000 Tax rate 30.90% 31.50% 34.50% Tenor (years) 20 20 20 Total amount paid per year 371,100 359,400 421,068 Interest component 221,100 354,750 437,250 Principal repaid 150,000 4,650 (16,182) Tax amount saved 108,150 53,550 32,775 Effective interest paid on home loan 112,950 301,200 404,475 Effective interest on home loan 3.4% 9.1% 12.3% 17

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