HDFC Operational & Financial Highlights

Property Value (Rs. 100,000) & Affordability 60 50 40 40 IMPROVED AFFORDABILITY Best affordability in 2.5 decades Government support towards housing has helped improve affordability 30 21.7 20 20 10 Lī HDFC WITH YOU, RIGHT THROUGH 5.1 4.5 4.7 4.8 4.6 4.7 4.6 4.4 4.1 3.8 3.7 3.5 3.3 3.2 3.2 0 1995 1996 1997 1998 1999 2000 15.6 11.1 8.3 Property Cost Representation of property price estimates Based on customer data 2001 2002 6.6 5.9 2003 2004 5.3 5.1 4.7 2005 2006 2007 4.3 4.7 5.0 5.1 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Affordability Annual Income Affordability equals property prices by annual income 18.00 16.00 14.00 12.00 10.00 8.00 6.00 4.00 2.00 0.00 Annual Income (Rs. 100,000) 13

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