Investor Presentaiton

5 Optimizing Cost of Borrowing & Liquidity Position PFL Standalone P Two notch increase in credit rating to AA+/Stable by CARE 9.10% Assigned AA+/Stable credit rating by CRISIL 8.00% Average Cost of Borrowing (PFL) 7.50% Credit rating upgraded to AAA/Stable by CARE 7.16% 7.54% 6.97% Repo rate hike → 40 bps in May 50 bps in June 50 bps 50 bps 35 bps in Aug in Sep in Dec Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q3FY23 Dynamic liability management Expansion of lenders / subscribers Maintaining adequate liquidity Enabling growth at optimum cost of borrowing Optimum mix of instruments & diversified sources leading to competitive cost of borrowing Onboarded new Mutual Funds, Banks & Corporate lenders *3,168 cr of liquidity surplus 17

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