Investor Presentation - Q4 FY22

What is their story? Who are they? Experience COVID Formal Salaried Customer 1 Age: 44 / Location: KR Puram (suburbs of Bangalore) ER ON DER FUL 72% Salaried Informal Salaried Customer 2 Age: 32 / Location: Sayan (suburbs of Surat) 27% Self employed Meet our customers Self Employed Customer 3 Age: 36/Location: Avadi (suburbs of Chennai) -20/- Chicksakoda 100 Gme Chilus Pakoda RL 103 Oms 25/ A 40/- CHI chen Lolly Pep Cop 40/- Teacher with several years of experience and monthly family income of ₹49,000 Salary credit in bank was 19,348 with additional income through private tuitions in cash Husband is a maintenance officer earning *13,000 p.m Assessment based on total income (salary + tuition income) unlike traditional financiers who will consider only salary income Home Loan sanctioned: 1.5mn at Rol of 13% and EMI of 17,600 Resilient. Has not missed a single payment through COVID and is regular with her payments. Diamond polisher for 10+ years with monthly family income of 29,000 o Cash salary of 20,000 p.m. His wife earned a salary of 9,000 also in cash. Found it challenging to approach a bank for a housing loan due to cash income Workplace verification to confirm income sources along with discussions with owner / boss to assess expertise, craftsmanship and job stability Home Loan sanctioned: 0.8mn at Rol of 13.5% and EMI of ₹9,700 Resilient. Has not missed a single payment through COVID and is regular with his payments. Owns an iron fabricating shop for 15 years with monthly income of 40,000 o Faced difficulty with lengthy documentation process at banks; taking time out of his workshop meant loss of a day's business Door step service and workplace verification to confirm scale of business, reference checks with neighboring shops and home verification Home Loan sanctioned: 0.93mn at Rol of 14.5% and EMI of 11,900 (loan sanction in 4 hours from submission of documents) He has been resilient through COVID wave1. However, he's been impacted by COVID wave 2 and lagging behind with 2 EMIs overdue. Data for the period Q4FY22 Investor Presentation - Q4 FY22 10 homefirst We'll take you home

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