Investor Presentation - Q3 FY22

Collection Efficiency (1) Unique Customers (2) Collection Efficiency Healthy Leading Indicators Collection efficiency trending back to normal levels 97.6% 96.1% 97.8% 97.7% 98.5% 97.6% 97.2% 98.5% 98.0% 97.9% 97.4% 99.1% 96.3% 96.3% 96.9% 95.5% 96.3% 96.3% 96.4% 96.0% 96.9% I 94.7% 94.3% 94.0% 93.3% 95.0% Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Note: (1) Collection Efficiency =Total # of EMIS received in the month (including arrears of previous months) / Total # of loan accounts whose EMIS are due in the month (2) Unique customers =# of customers who made at least one payment in the month / Total # of Customers whose EMIs' are due in the month Investor Presentation -Q3 FY22 27 homefirst We'll take you home

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