Investor Presentaiton

Consistently Maintained 5%+ Spread over the Last 8 Years Yields, Cost of Borrowings and Spreads (%) Yields (%) COB (%) Spreads (%) Total CAR Aavas FINANCIERS LTD SAPNE AAPKE, SAATH HAMAARA Strong track record of self funding growth INR cr. Period Up to FY16 Up to FY23 Difference 27.5% 46.7% 61.6% 67.8% 55.9% 54.4% 51.9% 46.9% Total Share Capital Cumulative 151 1,410 1,258 15.12% 14.72% 13.99% 13.75% 13.63% 13.16% 13.12% 12.65% Retained Earnings and Profit Cumulative 52 1,860 1,808 10.48% 9.51% AUM 8.63% 8.74% 8.44% 7.40% 7.61% 6.88% Consistent Spreads 5.36% 5.76% 5.77% 5.51% Liabilities 5.22% 5.01% 5.19% 4.64% Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 As of 1,680 14,167 12,487 As of 1,463 9,841 8,377 Internal accruals and liabilities sourced through strong relationships with lenders have adequately funded growth 17

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