HDFC Business and ESG Overview

Property Value (Rs. 100,000) & Affordability IMPROVED AFFORDABILITY Best affordability in 2.5 decades Government support towards housing has helped improve affordability 60 50 40 40 30 21.7 20 20 10 10 Lī HDFC WITH YOU, RIGHT THROUGH 18.00 16.00 14.00 12.00 10.00 8.00 6.00 4.00 2.00 0.00 2009 2010 2011 2012 Affordability Annual Income Affordability equals property prices by annual income 2013 2014 2015 2016 2017 2018 5.1 4.5 4.7 4.8 4.6 4.7 4.6 4.4 4.1 3.8 3.7 3.5 3.3 3.2 3.2 2019 2020 2021 2022 0 1995 1996 1997 1998 1999 2000 15.6 11.1 8.3 Property Cost Representation of property price estimates Based on customer data 2001 2002 6.6 5.9 2003 2004 5.3 5.1 4.7 2005 2006 2007 4.3 4.7 5.0 5.1 2008 Annual Income (Rs. 100,000) 14

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