Investor Presentaiton

Contiguous Geographic Expansion Strategy Calibrated expansion strategy with a network of 346 branches Branch presence AUM (INR Bn) # states FY13 FY16 1 25 17 44 FY18 41 165 FY21 95 280 Aavas FINANCIERS LTD SAPNE AAPKE, SAATH HAMAARA FY23 FY18-23 CAGR 141 4 6 8 11 present in 13 % AUM Contribution of 90%+ 49% 46% 40% 38% largest state Focused on creating a diversified pan-India Affordable Housing Player 346 16% 28% Number of branches 20 20

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