Investor Presentation - Q1 FY23

COVID Experience What is their story? Who are they? Meet Our Customers Formal Salaried Customer 1 Age: 44 Location: KR Puram (suburbs of Bangalore) ER 5 ON Ви DER FUL 72% Salaried Informal Salaried Customer 2 Age: 32 / Location: Sayan (suburbs of Surat) 28% Self Employed Self Employed Customer 3 Age: 36/Location: Avadi (suburbs of Chennai) Momas Chai 20/- Chikaloda 100 Gme 25/ Chishus Pakoda L 102 C 40/- A CHI chen Lolly Pep 40/- Teacher with several years of experience and monthly family income of 49,000 Salary credit in bank was 19,348 with additional income through private tuitions in cash Husband is a maintenance officer earning 13,000 p.m Assessment based on total income (salary + tuition income) unlike traditional financiers who will consider only salary income Home Loan sanctioned: 1.5mn at Rol of 13% and 17,600 EMI of Resilient. Has not missed a single payment Diamond polisher for 10+ years with monthly family income of $29,000 Cash salary of $20,000 p.m. His wife earned a salary of 9,000 also in cash. Found it challenging to approach a bank for a housing loan due to cash income Workplace verification to confirm income sources along with discussions with owner / boss to assess expertise, craftsmanship and job stability Home Loan sanctioned: 0.8mn at Rol of 13.5% and EMI of 9,700 - Resilient. Has not missed a single payment through COVID and is regular with his payments.. Owns an iron fabricating shop for 15 years with monthly income of 40,000 Faced difficulty with lengthy documentation process at banks; taking time out of his workshop meant loss of a day's business Door step service and workplace verification to confirm scale of business, reference checks with neighboring shops and home verification Home Loan sanctioned: 0.93mn at Rol of 14.5% and EMI of 11,900 (loan sanction in 4 hours from submission of documents) He has been resilient through COVID wave1. However, he's been impacted by COVID wave 2 and lagging behind with 1 EMI overdue. - through COVID and is regular with her payments. Data for the period Q1FY23 Investor Presentation - Q1 FY23 09 home first We'll take you home

View entire presentation