Investor Presentaiton

furtisments HELYEL Home First Finance Company India Ltd. 6 HDFC securities 20 Click. Invest. Grow. YEARS rating of the stock. This also brings the risk of change of ownership, which, if it happens, could change business functioning drastically while also impact its stock price significantly. Lack of long term strategic promoters is a weakness. Low RoE Due to excessive capitalisation (tier-1 at 55%) and despite 2.5% RoAs, RoEs will be modest at ~11%. Company Background: Home First Finance Company India Limited (HFFC) is a technology driven affordable housing finance company that targets first time home buyers in low and middle-income groups. It primarily offers housing loans for the purchase or construction of homes. 92% of book comprise of housing loans with average ticket size of Rs.10 lakh. The Company has deep penetration in the largest housing finance market with network of 72 branches across 76 districts in 12 states and 1 union territory in India, with a significant presence in urbanized regions in the states of Gujarat, Maharashtra, Karnataka and Tamil Nadu. The company has diversified lead generating channels with wide network of connectors. Ownership Structure TRUE NORTH FUND V LLP 12% 7% 8% 11% AETHER (MAURITIUS) LIMITED (GIC) 20% 29% 13% ORANGE CLOVE INVESTMENTS B.V (WARBURG PINCUS) BESSEMER INDIA CAPITAL HOLDINGS II LTD MFS, AIFs & Insurance Cos. Fils & FPs Public & Others FRETAILRES RETAILRESEARCH

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