Investor Presentaiton

Borrowings Profile - SHFL NHB now part of diverse lender base 28 PTC 1% Stable long-term funding * Debt Maturity Profile (INR Cr.) DA 17% Term Loans from Banks 59% <3 months 438 3-6 months 235 7-12 months 465 4,670 Cr. 1-3 years 2,260 NCD 11% NHB 12% 3-5 years 256 25 reputed >5 years 184 Banks & Fls Continuous Decline in Cost of Funds Cost of Funds (%) * Excludes Securitization (DA & PTC) 9.30% 9.13% 9.11% 8.95% 8.59% 8.41% 8.23% 7.91% 851 SHRIRAM City MONEY WHEN YOU NEED IT MOST Augmented by high credit ratings CRISIL An S&P Global Company AA (CWP#) India Ratings & Research A Fitch Group Company AA (Positive) CARE Ratings Professional Risk Opinion Debt raise trend Amount in INR Cr. # Credit Watch Positive 850 647 397 172 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 AA (CWP#) Increasing Net-worth 1,135 Cr. Comfortable CRAR 30.9% SHRIRAM HOUSING FINANCE

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