Investor Presentaiton

4 Dec-19 10 12 8.3 8 00 9 4.6 Mar-20 Jun-20 Source: RBI, Avendus Spark Research Source: SIAM, Avendus Spark Research Sep-20 Tale of 2 India's continues Pre-Covid (CY19) Post-Covid (CY22) % Volume (in Value Volume Value Change '000) (Rs. bn) (in '000) (Rs. bn) vs. CY19 < Rs. 700,000 1,022 511 978 489 -4.3% > Rs. 700,000 1,781 2,137 2,679 3,215 50.5% Total 2,803 2,648 3,658 3,705 39.9% Dec-20 Non-priority sector Mar-21 Home loan outstanding (Rs. tn) 9.1 5.8 Jun-21 Sep-21 Dec-21 Mar-22 Priority sector 6.2 Jun-22 12.8 60 10.7 50 Sep-22 Dec-22 0 10 Sep-18 20 30 3 43 40 Dec-18 Mar-19 Jun-19 Sep-19 Source: Gol, Avendus Spark Research Ckotak Mutual Fund 23% 46% 33% Residential home sale (3 Year CAGR, %) Affordable + Mid-segment sales 33% Premium and luxury sales 32% 31% 26% 24% 23% 15% Ia adala 3% 1% 7% 9% -4% -5% Hyderabad Pune NCR Chennai MMR Bangalore Kolkata Tier-I Cities Dec-19 Mar-20 Featurephone Volume (mn) 54 Smartphone Volume (mn) 48 Jun-20 44 25 29.6 19 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 37 B2 Sep-22 Dec-22 15.0

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