Investor Presentaiton

Diversified and Cost-Effective Funding Profile Number of lenders in each category Well diversified borrowing mix 54 53 51 11 11 13 11 7 14 42 6 23 24 30 24 16 20 20 12 16 1 1 2 9 7 8 4 9 6 7 4 3 1 2 18 2 15 12 14 12 7 10 FY15A FY16A FY17A FY18A FY19A FY20A Private Banks ■Public Banks ■ NBFCs FY21A Others Long Term Credit Rating A+ from both ICRA and CARE NIL Commercial Paper exposure Short Term Credit Rating A1+ from CARE FY22A 20 20 22 H1FY23 FIVE STAR Business Finance Limited Increased number of lending relationships from 30 + FY19 to 51 as of Sep 2022 Deepened relationships in the PSU and private bank category Lenders to the Company Select Public Sector Banks State Bank of India The Company does not use Short term borrowing to fund its long term assets Select Private Sector Banks Select Other Institutions ७ पंजाब नैशनल बैंक punjab national bank बैंक ऑफ़ बड़ौदा Bank of Baroda Union Bank of ind बैंक ऑफ़ इंडिया Bank of India Bank of Maharashtra RBL BANK kotak apno ka bank Kotak Mahindra Bank IndusInd Bank Bandhan Bank HDFC BANK ICICI Bank B BAJAJ Swedfund FINSERV ADITYA BIRLA HSBC DCB AU AXIS BANK YES BANK sf AU FINANCE SMALL BANK SUNDARAM FINANCE Chola Enter a better life TATA CAPITAL HeroFinCorp. Finance Made Easy responsAbility We only do what's right for you FINANCE 33 33

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