Investor Presentaiton

Sound Credit Indicators DPD 1+ / POS DPD 30+/POS % Business Updates Stage 3/POS Stage 2/POS 6.2% 5.3% 5.0% 4.7% 4.4% 4.4% 4.3% 4.0% 4.0% 3.2% Asset quality at 4.1% 3.7% 3.5% 3.3% 11110 3.0% healthy levels 1.8% 2.7% 2.7% 2.9% 2.0% 2.3% 2.1% 1.9% 1.7% 1.8% 1.6% 1.6% 1.6% 0.8% 1.0% 2.3% 1.4% 1.4% 0.9% 0.9% 1.1% 1.4% 1.2% 1.1% 1.3% Mar'19 Mar'20 Mar'21 Mar'22 Mar'23 Jun 22 Sep'22 Dec'22 Mar'23 Jun'23 Mar'19 Mar'20 Mar'21 Mar'22 Mar'23 Jun 22 Sep'22 Dec'22 Mar'23 Jun'23 Gross Stage 3 / POS (GNPA) % Net Stage 3 / Net POS (NNPA) % Re-classification due to RBI circular Re-classification due to RBI circular 2.3% 1.8% 2.1% 1.7% 1.9% 1.8% 1.0% 1.6% 0.9% 1.0% 0.7% 1.8% 0.8% 0.7% 1.4% 1.6% 1.6% 0.7% 0.6% 1.3% 1.2% 0.9% 1.1% 0.8% 1.1% 1.1% 0.8% 0.7% 0.6% 0.8% 0.5% 0.6% 0.6% 0.6% 1.3% 0.9% 1.2% 1.1% 1.1% 0.9% 1.0% 0.9% 0.9% 0.7% 0.7% 0.6% 0.5% 0.5% Mar'19 Mar'20 Mar'21 Mar'22 Mar'23 Jun 22 Sep 22 Dec'22 Mar'23 Jun'23 Mar'19 Mar'20 Mar'21 Mar'22 Mar'23 Jun 22 Sep'22 Dec'22 Mar 23 Jun'23 Pursuant to the RBI circular dated 12 Nov 2021 - "Prudential norms on Income Recognition, Asset Classification and Provisioning (IRACP) pertaining to Advances - Clarifications", the Company has aligned its definition of default and taken steps to comply with the norms/ changes for regulatory reporting, as applicable. Such alignment has resulted in classification of loans amounting to ₹399.55 millions as Gross Stage 3 (GNPA) as at Jun'23 in accordance with regulatory requirements. Home First Finance Company India Ltd. Investor Presentation - Q1 FY24 30

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