Investor Presentaiton

Robust liability franchise while maintaining low cost of funds Diverse lender base Stable long-term funding * 4,092 Cr. DA 17.4% NCD 12.7% PTC 1.4% O 63.2% Debt Maturity Profile (INR Cr.) Term Loans from <3 months 303 Banks 3-6 months 315 7-12 months 397 1-3 years 1,986 3-5 years 219 NHB 5.4% 23 reputed Banks & Fls >5 years 103 Consistent Decline in Cost of Funds Cost of Funds (%) * Excludes Securitization (DA & PTC) 9.50% 9.30% 9.13% 9.11% 8.95% 8.59% 8.41% 8.23% Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 SHRIRAM HOUSING FINANCE Augmented by high credit ratings CRISIL An S&P Global Company AA (CWP#) India Ratings & Research A Fitch Group Company AA (Positive) ARE Ratings Professional Risk Opinion # Credit Watch Positive Debt raise trend Low marginal cost of funds 851 719 Raised INR 647 Cr. at 6.84% during Q3'22 AA (CWP#) Amount in INR Cr. 647 397 172 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21

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