Investor Presentation - Q4 FY22

Our unique value proposition to our customers Who are our customers... Salaried and self-employed individuals 75%+ Customers with annual household income level less than 0.6 mn First time home buyers 33% customers are new to credit What do our customers need Home loan requirement primarily in the *0.5 -1.5 mn range (1) Access to formal housing finance o Minimal disruption to daily work routine What challenges do they face Inability to meet documentation requirements of traditional lenders Time consuming loan sanction process Dealing with middle men NPS 75 For Q4 FY22 Access Understanding customer's о needs via well educated & trained RMs Right-size the loan through a holistic evaluation of all formal/informal sources of income Alternative documents (Life insurance policies, property deeds etc.) used for evaluation Speed Our Value Proposition 48 Hr Turn Around Time for Approval Centralised & consistent underwriting Mobility solutions for our customers, employees and sales channels for quick and efficient processes and service Transparency Mandatory counselling sessions for customers on loan and insurance terms Digital access to loan documents for the customer No prepayment charges and easy prepayment options Service Home visits coupled with paperless process to ensure minimal disruption to daily customer routine Dedicated Service Manager for every customer Customer app for easy access to loan statements, prepayments and raising service requests Note: Data for the period Q4FY22 (1) 65%+ loans with Average ticket size between INR 0.5-1.5mn as of Q4FY22 11 Investor Presentation - Q4 FY22 home first We'll take you home

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