Investor Presentaiton

Financial Snapshot - 10 years Particulars IndiaShelter Home Loans FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 CAGR (%) Operational Branches 31 33 47 61 64 81 86 115 130 183 States 4 5 7 8 8 12 12 15 15 15 Active Live Accounts 5,304 8,552 12,823 15,730 20,117 24,354 27,602 33,607 43,328 58,552 Employees 255 254 420 523 740 1,126 1,219 1,576 2,200 2,709 Disbursements 77 146 225 236 404 566 551 895 1,295 1,964 43% AUM 117 41 228 399 548 801 1,178 1,520 2,199 3,073 4,359 49% Financial Net Total Income 14 19 45 71 91 Operating Expenses 12 16 33 37 57 Credit Cost 0 Profit before Tax 1 Profit after Tax 1 Networth 62 65 OF WN - 1 1 2 3 2 11 32 32 3 8 21 22 263 351 568 8 W ± w ± Ñ 156 218 312 398 80 85 133 182 12 20 12 14 64 113 167 202 47 87 128 155 69% 848 937 1,076 1,241 40% Ratios Cost to Income 88.6% 84.6% 72.9% 52.4% 62.3% 63.5% 51.5% 39.1% 42.7% 45.7% GNPA 0.2% 0.2% 0.3% 0.7% 1.3% 1.4% 1.3% 1.9% 2.1% 1.1% ROA 1.3% 1.7% 2.6% 4.0% 2.9% 2.7% 3.0% 4.1% 4.5% 4.1% Leverage 1.7 2.9 2.0 1.7 1.7 1.7 1.9 2.4 2.8 3.2 RoE 2.3% 5.0% CRAR 83.2% 44.0% 5.2% 122.2% 6.7% 109.0% 4.9% 4.4% 5.7% 9.8% 12.8% 13.4% 100.6% 91.2% 81.1% 71.5% 55.9% 52.7% 35

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