Investor Presentaiton

Robust Underwriting and Risk Management In-house BRE for analyzing 100+ fields for customer and collateral evaluation IndiaShelter Home Loans Customer Assessment ✓ Background and Business Vintage ✓ Neighbor & Reference Check ✓ Credit Bureau ✓ Lifestyle Indicators Cash Flow Assessment ✓ Business Discussion at Customer Premise ✓ Household visits for triangulation of income, expenses and savings ✓ Bank Statement Analysis ✓ Discussion on End-Use Collateral Evaluation Collateral Valuation ✓ Identification and Occupancy ✓ Geo-tagging/Radial Variances ✓ Local bylaws ✓ Marketability Legal Evaluation ✓ Title check - Legal Opinion ✓ Encumbrance - Title Search ✓ Docs. authenticity - Legal Vetting Controls in Place Risk Management Process ✓ In-house Business Rule Engine ✓ Centralized Risk Containment Unit ✓ Centralized Credit and Hindsight Control Unit ✓ Maker Checker at Critical Processes ✓ Every applicant/co- applicant must visit branch 51% 46% FOIR LTV1 98% SORP ~Rs.10 Lakhs ATS² 1 On AUM | 2- On disbursement 22

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