Investor Presentaiton

Key Target Areas Key Target Areas Business Plan Status INDOSTAR . • • Opportunity to scale-up used CV disbursement due to both increased growth in used CV segment and our small base Leverage our existing reach by increasing penetration to field/site to enhance customer connect either directly or through DSAs and Dealers Growth of affordable housing book with a clear mandate to the team to focus on priority sector lending (PSL) within the LAP portfolio • Increase in Disbursement level from Q3 2023 Targeting & working for average monthly disbursements of 350 Cr. plus in FY 24 overall and much higher going forward Product Mix • Focus on used CV vehicles targeting high yield • Explore product line expansion to car, MUV, Tractor, CE, 2W & 3W • target first-time borrower and drivers transitioning to first-time owners • Actively pursue competition analysis to find niche and white-spaces Diversify methods of sourcing through truck addas & DSA networks, to Increase efficiencies through automation in sales and collections • Drive asset growth and continue to focus on reduction of costs • Reducing OPEX • • Right size the team. Focus on improving sales productivity metrics Improve/Focus on branch Productivity/ Profitability. • Targeting used CV with avg. ticket size of 6-8 Lakhs with 18% yield due to higher penetration in used CV market Affordable housing finance with avg. ticket size of 8 lakhs with ~15% yield, with increased focus on Tier 3 & 4 geographies Reduction in OPEX continues to be primary focus Decision Making & Empowering Branches Digitalization to enable quicker decision making at Branch levels with increased ownership and credibility on Branch Heads and employees to improve customer delivery efficiencies • Indo Mitra App and IndoStar Connect launched for improving efficiencies • Delegation of power at Branch level with ownership Open two-way communication channels IndoStar aims to benefit from the high growth in the used cargo LCVs by increasing penetration of rural markets with its branch network relocation 13

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