Investor Presentaiton

Diversified funding profile at competitive Cost of Borrowing DA & Co-lending NCD NHB Refinance NBFC Public Sector Banks Pvt Sector Banks Borrowings Mix and Cost of Borrowing trend 39,322 40,039 40,150 Jun'21 Sep'21 Dec'21 44,919 Mar'22 48,387 Jun'22 Business Updates 52,281 58,009 59,556 68,215 Total Borrowings (Mn) (1) Sep'22 Dec'22 Mar'23 Jun'23 23% 25% 23% 22% 21% 19% 19% 17% COB% 22% (Represents quarterly avg.) 4% 6% 3% 3% 6% 6% 6% 5% 4% 15% 22% 26% 25% 21% 17% Long Term Credit Rating ICRA AA- 'Stable' CARE AA- 'Stable' 24% 23% 27% 2% 2% 3% 8.0% 3% 7.9% 3% India Ratings AA- 'Stable 1% 2% 2% 2% 22% 20% 24% 7.4% 26% 7.2% 7.1% 7.2% 7.2% 7.1% 24% 24% 22% 22% 25% 6.9% Short term rating A1+ (ICRA and India Ratings) 21% >>> 21% Jun'21 Sep'21 20% Dec'21 23% Mar'22 25% Jun'22 32% Our banking relationships Sep'22 32% Dec'22 32% Mar'23 32% State Central Public Bank of India Bank of Union Bank HDFC Bank ICICI Bank Axis Bank India Private South Indian Bank Karur Karnataka Bank J & K Bank Vyas Bank DCB Bank Sector Sector NBFC Bajaj Finance Bank Bank IDBI Bank Bank of India Indian Bank Federal Bank Kotak Mahindra HSBC Bank Qatar Shinhan CSB National Yes Bank Bank Bank Bank 14,775.6 Mn outstanding 20+ lines (1) Total Borrowings includes Off book Direct Assignment and Co-Lending Home First Finance Company India Ltd. Validation by NHB - Single largest lender with 2,800 Mn NCD investment by IFC - a step towards sustainability and green financing Investor Presentation - Q1 FY24 Jun'23 ZERO borrowing through commercial papers Diversified banking relationships with 26 lending partners = 31

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