Investor Presentation - Q1 FY23

Distribution Strategy 0-4 4-7 7-15 Contribution to India's GDP FY'21 (%) Existing branches - 93 • New branch locations - 50 Digital branches - 81 Pan India Distribution driven by strategic market selection & contiguous expansion 93 102 13 224 Geographic Expansion Branches Districts States/UT Touchpoints States/Territories Number of Percentage of gross loan assets as on Branches Districts Q1FY23 Q1FY22 FY22 FY21 Gujarat 22 22 35.0% 38.2% 36.0% 38.2% Maharashtra 18 16 15.7% 18.7% 16.1% 19.2% Tamil Nadu 18 19 12.6% 11.4% 12.2% 11.1% Business commenced in 13 new physical branches Karnataka 5 5 7.8% 8.9% 8.1% 9.1% Rajasthan 7 LO 5 5.8% 5.3% 5.7% 5.5% Increased presence in 4 new districts Telangana 7 7 8.0% 5.8% 7.5% 5.5% Madhya Pradesh 5 6 5.0% 4.5% 4.9% 4.4% Uttar Pradesh & 1 8 4.1% 3.0% 3.9% 2.9% Uttarakhand Haryana & NCR 1 2 0.8% 0.9% 0.9% 1.0% Chhattisgarh 2 4 1.6% 1.2% 1.5% 1.2% Andhra Pradesh 7 8 3.6% 2.2% 3.2% 1.9% Total 93 102 100.0% 100.0% 100.0% 100.0% States/UT include states/UT from where we source loans irrespective of physical presence of a branch in those states/UT Note: Source for Contribution of states to India's GDP: NSO, MOSPI Disclaimer :Map not to scale. All data, information and maps are provided "as is" without warranty or any representation of accuracy, timeliness or completeness 11 Investor Presentation - Q1 FY23 homefirst We'll take you home

View entire presentation