Investor Presentaiton

Executive Summary | Q1FY24 y-o-y q-o-q Assets Under Management (AUM) * 77,759 Mn +33.3% -10 bps Spread(2) +8.0% 5.7% Q1FY24 Highlights Disbursement *8,952 Mn +35.4% +3.0% Cost to Income Gross Stage 3 / POS (GNPA %) 1.6(1) In line with RBI circular dated 12 Nov 2021 1.0% prior to such classification -50 bps 0 bps DPD 30+/POS % 36.3% 2.9 -60 bps +20 bps +50 bps +190 bps +20 bps Return On Assets (ROA) Opex to Assets +20 bps 3.1% +20 bps Profit After Tax (PAT) 691 Mn +34.9% +8.0% 0 bps 3.9% 0 bps (1) Pursuant to the RBI circular dated 12 Nov 2021 - "Prudential norms on Income Recognition, Asset Classification and Provisioning (IRACP) pertaining to Advances - Clarifications", the Company has aligned its definition of default and taken steps to comply with the norms/ changes for regulatory reporting, as applicable. Such alignment has resulted in classification of loans amounting to 399.55 millions as Gross Stage 3 (GNPA) as at Jun'23 in accordance with regulatory requirements. Gross Stage 3 prior to such classification for Jun'23 is 1.0%. (2) As per IGAAP Home First Finance Company India Ltd. Investor Presentation - Q1 FY24 03

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