Investor Presentaiton

7 furtisments HELYEL Home First Finance Company India Ltd. Tech focus underpinning high productivity HDFC securities Click. Invest. Grow. YEARS The moat for HFFC is its ability to make technology driven process right from sourcing to collections. It has lowest number of branches among the peer group. More than 60% of the loans are being generated from connectors (individuals such as insurance agents, chartered accountants, tax practitioners, local retail outlets, building material suppliers etc.). They work on commission basis and use the Connector App for lead generation. Further, the centralized cloud-based platform helps in processing loan at a lower turn-around time and transaction cost. For collection management, the company has also built the digital platform. This tech focus helps the company in achieving higher productivity. Higher employee productivity (AUM/Employee) drives higher branch productivity (AUM/Branch), which in turns brings industry leading profitability. During the quarter the digital initiatives continue to see further progress. It has now launched electronic stamp paper, e-signatures and e-NACH across all branches. The company also has a centralized underwriting process which reduces any chances of fraud or inconsistency in underwriting. High employee productivity In Rs. Cr 6 5.8 High branch productivity In Rs. Cr 57.5 2.7 2.1 2.1 15.2 41.8 33.8 33.8 21.4 Home First Aadhar Motilal HF Aavas Aptus Home First Aadhar Motilal HF Aavas Aptus ■AUM/Employee AUM/Branch Disbursement/Branch Favorable environment India's low mortgage penetration, favorable demographics and constant government push have already created structural upswing for the affordable housing segment. Moreover since last few months there has been a revival in demand for housing due to attractive prices, lower interest rates, lower stamp duties, and other benefits. Home sales volume across eight major cities in India jumped significantly. The improved sales momentum has lifted confidence among realty developers who have new offerings. The housing inventory is around seven year low. Industry experts believe that it is not only pent-up demand that will push growth but the country is going through a RETAILRESEARCH CRETAIRES

View entire presentation